Applications / Mortgage Analytics / Lenders / Tennessee / Independent Bank / Competition
Independent Bank
Memphis, TN · State non-member bank · FDIC · $1.8 billion assets · 120 loans in 2025
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120
loans originated, 2025
158
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Who Independent Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — MEMPHIS, AR-MS-TN, 2025
Independent Bank ranks 43rd of 515 lenders in Memphis, AR-MS-TN, with $41.8M lent: 0.7% of a $6.42B market.
Memphis, AR-MS-TN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Independent Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — CRESTVIEW-FORT WALTON BEACH-DESTIN, FL, 2025
Independent Bank ranks 182nd of 606 lenders in Crestview-Fort Walton Beach-Destin, FL, with $3.3M lent: 0.1% of a $4.40B market.
Crestview-Fort Walton Beach-Destin, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Independent Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — NON-METRO MISSISSIPPI, 2025
Independent Bank ranks 176th of 438 lenders in non-metro Mississippi, with $1.8M lent: 0.0% of a $3.95B market.
non-metro Mississippi is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Independent Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO TENNESSEE, 2025
Independent Bank ranks 413th of 746 lenders in non-metro Tennessee, with $1.3M lent: 0.0% of a $8.31B market.
non-metro Tennessee is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Independent Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — DAPHNE-FAIRHOPE-FOLEY, AL, 2025
Independent Bank ranks 276th of 485 lenders in Daphne-Fairhope-Foley, AL, with $850K lent: 0.0% of a $2.98B market.
Daphne-Fairhope-Foley, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Independent Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 32% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — TEXARKANA, AR-TX, 2025
Independent Bank ranks 130th of 198 lenders in Texarkana, AR-TX, with $235K lent: 0.1% of a $445.6M market.
Texarkana, AR-TX is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Independent Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — FAYETTEVILLE-SPRINGDALE-ROGERS, AR, 2025
Independent Bank ranks 433rd of 465 lenders in Fayetteville-Springdale-Rogers, AR, with $215K lent: 0.0% of a $5.77B market.
Fayetteville-Springdale-Rogers, AR is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Independent Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — WINSTON-SALEM, NC, 2025
Independent Bank ranks 385th of 465 lenders in Winston-Salem, NC, with $265K lent: 0.0% of a $3.99B market.
Winston-Salem, NC is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Independent Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Independent Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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