Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Community Bank of Mississippi
Community Bank of Mississippi
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
257
+29.8% vs 2024Originations
$22.2M
Loans x average loanAverage loan
$86,556
Average interest rate
9.64%
Denial rate
12%
Home only share
12%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 354 | 257 | $22.2M | $86,556 | 9.64% | 12% | 12% |
| 2024 | 276 | 198 | $15.1M | $76,010 | 10.55% | 12% | 15% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MS | 238 | $17.5M | $73,361 | 9.77% | 12% | 13% |
| FL | 10 | $2.8M | $284,000 | 8% | 0% | 0% |
| AL | 9 | $1.9M | $216,111 | 8.06% | 8% | 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.