Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › SOUTH CENTRAL BANK INC
SOUTH CENTRAL BANK INC
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
78
+47.2% vs 2024Originations
$9.3M
Loans x average loanAverage loan
$118,718
Average interest rate
7.31%
Denial rate
17%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 121 | 78 | $9.3M | $118,718 | 7.31% | 17% | 0% |
| 2024 | 81 | 53 | $6.3M | $119,340 | 8.12% | 14% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| KY | 74 | $8.7M | $117,432 | 7.33% | 17% | 0% |
| TN | 3 | $465,000 | $155,000 | 7.25% | 0% | 0% |
| IN | 1 | $105,000 | $105,000 | 6.25% | 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.