Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Gardner Financial Services
Gardner Financial Services
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
93
+57.6% vs 2024Originations
$20.7M
Loans x average loanAverage loan
$222,204
Average interest rate
6.77%
Denial rate
4%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 138 | 93 | $20.7M | $222,204 | 6.77% | 4% | 0% |
| 2024 | 79 | 59 | $13.0M | $220,932 | 6.67% | 1% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AZ | 41 | $10.3M | $251,585 | 6.89% | 3% | 0% |
| TX | 27 | $5.4M | $198,704 | 6.57% | 5% | 0% |
| FL | 9 | $2.0M | $221,667 | 7.03% | 7% | 0% |
| OK | 6 | $770,000 | $128,333 | 6.6% | 0% | 0% |
| SC | 4 | $1.2M | $292,500 | 7% | 0% | 0% |
| KS | 3 | $635,000 | $211,667 | 6.42% | 0% | 0% |
| UT | 2 | $300,000 | $150,000 | 6.63% | 0% | 0% |
| GA | 1 | $115,000 | $115,000 | 6.38% | 0% | 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.