Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › Cadence Bank
Cadence Bank
2025 manufactured home lending from public HMDA data. Provider profile
Loans originated (2025)
98
+60.7% vs 2024Originations
$17.4M
Loans x average loanAverage loan
$177,143
Average interest rate
6.91%
Denial rate
25%
Home only share
1%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 174 | 98 | $17.4M | $177,143 | 6.91% | 25% | 1% |
| 2024 | 128 | 61 | $9.5M | $155,820 | 7.34% | 30% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| TX | 29 | $6.5M | $223,621 | 7.02% | 24% | 4% |
| MS | 22 | $1.9M | $85,909 | 6.48% | 19% | 0% |
| TN | 11 | $1.6M | $146,818 | 7.16% | 22% | 0% |
| AL | 8 | $1.5M | $190,000 | 7.22% | 36% | 0% |
| LA | 7 | $1.2M | $173,571 | 7.01% | 25% | 0% |
| GA | 7 | $1.5M | $213,571 | 6.86% | 36% | 0% |
| AR | 6 | $490,000 | $81,667 | 7.07% | 23% | 0% |
| MO | 4 | $830,000 | $207,500 | 6.88% | 25% | 0% |
| FL | 3 | $1.6M | $545,000 | 6.81% | 25% | 0% |
| SC | 1 | $185,000 | $185,000 | 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.