Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Southern Heritage Bank
Southern Heritage Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
60
+17.6% vs 2024Originations
$6.2M
Loans x average loanAverage loan
$104,000
Average interest rate
n/a
Denial rate
7%
Home only share
n/a
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 73 | 60 | $6.2M | $104,000 | n/a | 7% | n/a |
| 2024 | 65 | 51 | $3.9M | $75,980 | n/a | 11% | n/a |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| LA | 60 | $6.2M | $104,000 | n/a | 7% | n/a |
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.