Applications / Mortgage Analytics / Lenders / Tennessee / Insouth Bank
Brownsville, TN · State member bank · FRS · $573 million assets · 60 loans in 2025
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60
loans originated, 2025
77
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Insouth Bank, of Brownsville, Tennessee, lends heavily in poorer and majority-minority neighborhoods of west Tennessee, but its volume has fallen for three years.
Half its loans, 50.0%, were in majority-minority neighborhoods, against 7.1% at similar lenders (state member banks making between half and twice as many loans). Loans in low- and moderate-income neighborhoods made up 36.7%, against 17.7%, and to low- and moderate-income borrowers 38.5%, against 24.9%. Its markets, around Memphis and Jackson, may explain much of this.
It made 60 loans, down 20%, while similar lenders grew 8%. It made 127 in 2022. The data give no reason for the fall; a lender that makes mostly purchase loans in a few local markets could see its count follow home sales there.
Purchases took 70.0% of its loans. Its typical loan was $125,000, against $175,000 at similar lenders, so its 60 loans came to $9.8 million, against $20.6 million at a typical peer.
In Jackson it ranks 72 of 248 lenders, with 0.2% of the market, down from 0.3%. Leaders Credit Union leads there. The slip matches its smaller volume. It began reporting in 1998, the year it merged with Tennessee Bank and Trust and Union Savings Bank.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Insouth Bank took 77 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.0% · Refinance 21.7% · Home improvement 5.0% · Other 3.3%
Conventional 100.0% · of 60 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Tennessee | 53 | 88.3% |
| Mississippi | 4 | 6.7% |
| Georgia | 2 | 3.3% |
| Missouri | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 26 |
| Jackson | 9 |
| Dalton | 2 |
| Clarksville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007VODM6C3GLTV93 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 329550 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 322020 | 1998–2017 |
Established 1 January 1869. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Insouth Bank's data.
Insouth Bank's data
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