Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CIS FINANCIAL SERVICES, INC.
CIS FINANCIAL SERVICES, INC.
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
62
-80.6% vs 2024Originations
$7.3M
Loans x average loanAverage loan
$117,903
Average interest rate
8.27%
Denial rate
4%
Home only share
84%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 67 | 62 | $7.3M | $117,903 | 8.27% | 4% | 84% |
| 2024 | 339 | 320 | $35.9M | $112,219 | 9.02% | 2% | 96% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AL | 24 | $3.1M | $131,250 | 8.06% | 4% | 71% |
| LA | 6 | $590,000 | $98,333 | 8.61% | 0% | 100% |
| TX | 5 | $665,000 | $133,000 | 8.7% | 0% | 100% |
| TN | 4 | $430,000 | $107,500 | 8.38% | 0% | 100% |
| AR | 3 | $225,000 | $75,000 | 8.42% | 20% | 100% |
| MS | 3 | $505,000 | $168,333 | 7.82% | 25% | 67% |
| MO | 3 | $205,000 | $68,333 | 8.27% | 0% | 100% |
| NC | 2 | $190,000 | $95,000 | 9% | 0% | 100% |
| KY | 2 | $190,000 | $95,000 | 8.33% | 0% | 100% |
| SC | 2 | $220,000 | $110,000 | 8.75% | 0% | 100% |
| VA | 2 | $250,000 | $125,000 | 8.7% | 0% | 100% |
| PA | 1 | $45,000 | $45,000 | 8.35% | 0% | 100% |
| WV | 1 | $175,000 | $175,000 | 6.63% | 0% | 0% |
| IN | 1 | $115,000 | $115,000 | 8.35% | 0% | 100% |
| GA | 1 | $175,000 | $175,000 | 6.13% | 0% | 0% |
| NM | 1 | $75,000 | $75,000 | 9.05% | 0% | 100% |
| OK | 1 | $105,000 | $105,000 | 9.25% | 0% | 100% |
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.