pam_mkhomedir.so  [
        silent
      ] [
        umask=mode
      ] [
        skel=skeldir
      ]
      The pam_mkhomedir PAM module will create a users home directory
      if it does not exist when the session begins. This allows users
      to be present in central database (such as NIS, kerberos or LDAP)
      without using a distributed file system or pre-creating a large
      number of directories. The skeleton directory (usually
      /etc/skel/) is used to copy default files
      and also set's a umask for the creation.
    
The new users home directory will not be removed after logout of the user.
silent
        Don't print informative messages.
umask=mask
        
            The user file-creation mask is set to
            mask. The default value of mask is
            0022.
          
skel=/path/to/skel/directory
        
            Indicate an alternative skel directory
            to override the default /etc/skel.
          
Memory buffer error.
Insufficient credentials to access authentication data.
Not enough permissions to create the new directory or read the skel directory.
User not known to the underlying authentication module.
Environment variables were set.
A sample /etc/pam.d/login file:
  auth       requisite   pam_securetty.so
  auth       sufficient  pam_ldap.so
  auth       required    pam_unix.so
  auth       required    pam_nologin.so
  account    sufficient  pam_ldap.so
  account    required    pam_unix.so
  password   required    pam_unix.so
  session    required    pam_mkhomedir.so skel=/etc/skel/ umask=0022
  session    required    pam_unix.so
  session    optional    pam_lastlog.so
  session    optional    pam_mail.so standard