INSOUTH Bank in Tennessee vs the state
8.6%Denial rate-8.57 pts vs state
9.8%Decision denial rate-11.84 pts vs state
75.7%Origination rate+17.63 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
53Loans originated
6Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 93 | 3.7% | — | #281 |
| 2024 | 76 | 69 | 4.0% | — | #338 |
| 2025 | 70 | 53 | 8.6% | — | #370 |
What INSOUTH Bank lends in Tennessee
By loan purpose
By loan type
Where in Tennessee
Counties with the most INSOUTH Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Haywood County | 25 | 15 | 4 | 16.0% |
| Shelby County | 13 | 12 | 0 | 0.0% |
| Tipton County | 12 | 11 | 1 | 8.3% |
| Madison County | 12 | 8 | 1 | 8.3% |
| Lauderdale County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Hardeman County | 1 | 1 | 0 | 0.0% |
| Fayette County | 1 | 0 | 0 | 0.0% |
| Crockett County | 1 | 1 | 0 | 0.0% |
| Hardin County | 1 | 1 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 70 applications in 2025, of which 53 were originated and 6 denied.
8.6% of all applications, or 9.8% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are INSOUTH Bank's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology