Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Southern Bank
Southern Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
78
+2.6% vs 2024Originations
$8.7M
Loans x average loanAverage loan
$111,667
Average interest rate
7.54%
Denial rate
10%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 106 | 78 | $8.7M | $111,667 | 7.54% | 10% | 0% |
| 2024 | 97 | 76 | $7.2M | $94,342 | 8.11% | 9% | 4% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MO | 50 | $5.6M | $111,400 | 7.52% | 13% | 0% |
| AR | 23 | $2.5M | $108,478 | 7.58% | 3% | 0% |
| IL | 5 | $645,000 | $129,000 | 7.5% | 13% | 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.