Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Ameris Bank
Ameris Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
166
-26.2% vs 2024Originations
$29.9M
Loans x average loanAverage loan
$179,819
Average interest rate
6.79%
Denial rate
17%
Home only share
1%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 255 | 166 | $29.9M | $179,819 | 6.79% | 17% | 1% |
| 2024 | 333 | 225 | $41.4M | $183,978 | 6.96% | 14% | 1% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| FL | 56 | $9.2M | $163,393 | 6.78% | 19% | 0% |
| GA | 53 | $8.5M | $161,226 | 6.97% | 17% | 4% |
| SC | 37 | $8.1M | $219,324 | 6.62% | 17% | 0% |
| TN | 7 | $1.2M | $172,143 | 7.07% | 0% | 0% |
| AL | 6 | $910,000 | $151,667 | 6.5% | 22% | 0% |
| NC | 4 | $970,000 | $242,500 | 6.06% | 13% | 0% |
| VA | 3 | $955,000 | $318,333 | 6.54% | 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.