Southern Bank of Tennessee
Southern Bank of Tennessee received 206 applications in 2025 and made 165 mortgages, in 21 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $315,000. Of 174 decisions, 6 were denials — 3.5%.
| Legal Entity Identifier | 54930022I573MYIIOM33 |
|---|---|
| Applications received | 206 |
| Mortgages made | 165 |
| Denied | 6 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Southern Bank of Tennessee, 5 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 97 | Not published | $335,000 | 2.0% |
| Refinancing | 50 | Not published | $210,000 | 3.8% |
| Cash-out refinancing | 15 | Not published | $345,000 | 6.3% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 25.0% |
Where Southern Bank of Tennessee lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wilson County, TN | 59 | Not published | 3.2% |
| Davidson County, TN | 46 | Not published | 4.2% |
| Rutherford County, TN | 28 | Not published | 0.0% |
| Sumner County, TN | 8 | Under 10 loans | 0.0% |
| Williamson County, TN | 5 | Under 10 loans | 28.6% |
| Trousdale County, TN | 4 | Under 10 loans | 0.0% |
| Smith County, TN | 3 | Under 10 loans | 0.0% |
| Walton County, FL | 2 | Under 10 loans | 0.0% |
| Fayette County, GA | 1 | Under 10 loans | 0.0% |
| Beaufort County, SC | 1 | Under 10 loans | 0.0% |
| Anderson County, TN | 1 | Under 10 loans | 0.0% |
| Coffee County, TN | 1 | Under 10 loans | 0.0% |
| Decatur County, TN | 1 | Under 10 loans | 0.0% |
| Franklin County, TN | 1 | Under 10 loans | 0.0% |
| Hickman County, TN | 1 | Under 10 loans | 0.0% |
| Putnam County, TN | 1 | Under 10 loans | 0.0% |
| Robertson County, TN | 1 | Under 10 loans | 0.0% |
| White County, TN | 1 | Under 10 loans | 0.0% |
| Giles County, TN | 0 | Under 10 loans | Not published |
| Maury County, TN | 0 | Under 10 loans | Not published |
| Montgomery County, TN | 0 | Under 10 loans | Not published |
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When Southern Bank of Tennessee’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.