Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › CB&S Bank
CB&S Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
42
+7.7% vs 2024Originations
$2.6M
Loans x average loanAverage loan
$62,381
Average interest rate
8.89%
Denial rate
29%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 79 | 42 | $2.6M | $62,381 | 8.89% | 29% | 0% |
| 2024 | 77 | 39 | $2.6M | $67,051 | 9.22% | 26% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TN | 16 | $640,000 | $40,000 | 9.26% | 29% | 0% |
| AL | 15 | $1.5M | $101,667 | 8.5% | 26% | 0% |
| MS | 11 | $455,000 | $41,364 | 8.86% | 35% | 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.