Applications / Mortgage Analytics / Lenders / Alabama / CSL Financial
Mountain Brook, AL · Non-bank or government lender · CFPB · 690 loans in 2025
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690
loans originated, 2025
5,333
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
CSL Financial lends only to buy manufactured homes, much of it outside the South's cities, and its loans fell by about a third in 2025.
Every one of its 690 loans in 2025 was a conventional purchase loan on a manufactured home. Among its peers, non-bank or government lenders making between half and twice as many loans, the typical manufactured-home share was 0.0%. Its typical loan was $105,000, against $370,000 at those peers, the smallest among them.
It made 690 loans, down 32% from 1,011 in 2024, while similar lenders grew by a typical 11%. That fall was steeper than at almost nine in ten of them. The drop takes it back to the level of 2020 and 2021; since 2018 it has made between 655 and 1,011 loans a year.
Some 84.8% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 5.8% at peers. It turned down 81.8% of decided home-purchase applications, against 3.7%. Both gaps could largely reflect its business: loans on manufactured homes are a different market from the site-built home loans its peers make.
It lends in 346 counties across 12 states, centered on Alabama. Its five biggest markets are all outside metro areas, led by rural Mississippi and Alabama. In non-metro Mississippi it ranked 86 of 438 lenders, behind Renasant Bank and Cadence Bank.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. CSL Financial took 5,333 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 100.0% · of 690 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Alabama | 137 | 19.9% |
| Texas | 116 | 16.8% |
| Mississippi | 85 | 12.3% |
| Florida | 76 | 11.0% |
| Georgia | 55 | 8.0% |
| Louisiana | 52 | 7.5% |
| Oklahoma | 36 | 5.2% |
| South Carolina | 30 | 4.3% |
| Tennessee | 29 | 4.2% |
| Kentucky | 28 | 4.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houston-Pasadena-The Woodlands | 25 |
| Birmingham | 21 |
| Dallas-Plano-Irving | 19 |
| Huntsville | 18 |
| Gainesville | 17 |
| Lafayette | 13 |
| Jacksonville | 12 |
| Tulsa | 12 |
| Baton Rouge | 11 |
| Florence | 10 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000V86JDJLM0OV13 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7455523107 |
Established 11 June 2012. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: CSL Financial's data.
CSL Financial's data
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