Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › PEOPLESSOUTH BANK
PEOPLESSOUTH BANK
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
29
-31.0% vs 2024Originations
$2.2M
Loans x average loanAverage loan
$76,034
Average interest rate
7.76%
Denial rate
16%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 38 | 29 | $2.2M | $76,034 | 7.76% | 16% | 0% |
| 2024 | 47 | 42 | $2.9M | $69,762 | 8.23% | 9% | 5% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| AL | 11 | $605,000 | $55,000 | 7.74% | 13% | 0% |
| FL | 10 | $990,000 | $99,000 | 7.6% | 0% | 0% |
| GA | 8 | $610,000 | $76,250 | 7.97% | 31% | 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.