Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › GUARDIAN CREDIT UNION
GUARDIAN CREDIT UNION
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
10
+25.0% vs 2024Originations
$830,000
Loans x average loanAverage loan
$83,000
Average interest rate
9.55%
Denial rate
77%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 56 | 10 | $830,000 | $83,000 | 9.55% | 77% | 0% |
| 2024 | 68 | 8 | $480,000 | $60,000 | 10.44% | 69% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AL | 10 | $830,000 | $83,000 | 9.55% | 77% | 0% |
Data source: Home Mortgage Disclosure Act (HMDA). Public annual data from the FFIEC and CFPB, loans reported with a manufactured home construction method. Informational only, not a recommendation of any lender.