Southern Bank of Tennessee mortgage approval rate & lending review
Southern Bank of Tennessee decided 382 mortgage applications and funded 354 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Southern Bank of Tennessee reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Southern Bank of Tennessee at a glance
Approval is 11.9 points above the 82.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 160 / 168 | 100% | $395K | 160 |
| Refinance | 81% | 34 / 42 | 97% | $235K | 33 |
| Investment property purchase | 100% | 74 / 74 | 93% | $275K | 69 |
| Investment refinance | 100% | 68 / 68 | 99% | $225K | 67 |
Southern Bank of Tennessee lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Tennessee | 95% | $275K | 375 | 350 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Southern Bank of Tennessee lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wilson County, TN | Mortgage lenders | 98% | 101 | 99 |
| Davidson County, TN | Investment property purchase | 100% | 40 | 37 |
| Davidson County, TN | Investment refinance | 100% | 32 | 32 |
| Wilson County, TN | Refinance | 79% | 24 | 19 |
The county markets where Southern Bank of Tennessee made the most loans. Each link opens that market with every lender ranked.
Questions about Southern Bank of Tennessee
What is Southern Bank of Tennessee's mortgage approval rate?
Southern Bank of Tennessee approved 94.8% of the 382 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.9 points above the 82.9% national rate for the same mix of loan types.
How often do borrowers take the loan Southern Bank of Tennessee offers?
Borrowers accepted 98% of the loans Southern Bank of Tennessee approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Southern Bank of Tennessee make?
The typical home purchase mortgage loan Southern Bank of Tennessee made was $395K; across all loan types its typical loan ran from $225K to $395K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Southern Bank of Tennessee lend?
Southern Bank of Tennessee decided applications in 5 of the states Fat Boy Data covers, most of them in Tennessee, Florida and Georgia.
Can I apply to Southern Bank of Tennessee directly?
Yes. Southern Bank of Tennessee is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Southern Bank of Tennessee's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Southern Bank of Tennessee treats applications, then get a rate quote from the lender.