The CSL Story

We’ve built our business on delivering customized manufactured home lending solutions. The CSL Financial family has been in the manufactured housing environment for 20+ years. First, we provided retail financing directly to consumers. Then, as the lending environment became more complex, we stepped in to simplify the path to home ownership, with home sales and community management to support our retail lending programs. Our experience allows us to understand this unique business from every angle.

A New Approach to Common Sense Lending

Several years ago, we merged all of our industry knowledge to create a new-and-improved concept for manufactured home lending that was sorely missing in the market. We expanded our direction to include inventory financing for our retailers, allowing businesses like yours to take advantage of our Common Sense Lending programs.

For more than a year we diligently researched various markets nationwide speaking to industry professionals. It is on the groundwork of this extensive feedback and advice that we founded our retailer and home buyer operations from our base in Birmingham, Alabama.

We Are Not Your Traditional Lender

Certainly, CSL Financial has the advantages of agility and responsiveness on our side, in addition to our extensive industry know-how. Unlike many banks today, we underwrite and review every file without relying only on automated underwriting systems, allowing us to base our loan decision on the overall credit profile and not just the score.

Along with our growing reputation for attentive, compassionate service, CSL Financial is now one of the fastest-growing lenders in the manufactured housing industry. Today, we provide consumer financing and loan servicing for home buyers spanning the greater southeastern United States.


We are always looking to serve you, the borrower and retailer in better ways. We are continuing to improve our website, underwriting processes, customer service and your overall experience with us. As we grow we look forward to expanding our coverage, our understanding of our borrowers and the manufactured housing market to provide the best to you. 


To find out how Common Sense Lending can help you, contact us today.

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