Capital City Home Loans in Tennessee vs the state
4.5%Denial rate-12.65 pts vs state
6.3%Decision denial rate-15.43 pts vs state
67.4%Origination rate+9.34 pts vs state
6.63%Median rate0.00 pts vs state
0.15Rate spread (pts)-0.08 pts vs state
$169kMedian applicant income
60Loans originated
4Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 88 | 69 | 0.0% | 6.50% | #312 |
| 2024 | 125 | 90 | 8.0% | 6.88% | #268 |
| 2025 | 89 | 60 | 4.5% | 6.63% | #340 |
What Capital City Home Loans lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Capital City Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 46 | 31 | 2 | 4.3% |
| Williamson County | 16 | 12 | 2 | 12.5% |
| Davidson County | 14 | 8 | 0 | 0.0% |
| Shelby County | 3 | 2 | 0 | 0.0% |
| Knox County | 2 | 2 | 0 | 0.0% |
| Warren County | 1 | 1 | 0 | 0.0% |
| Sumner County | 1 | 1 | 0 | 0.0% |
| Bradley County | 1 | 0 | 0 | 0.0% |
| McMinn County | 1 | 0 | 0 | 0.0% |
| Cheatham County | 1 | 0 | 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: 89 applications in 2025, of which 60 were originated and 4 denied.
4.5% of all applications, or 6.3% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Capital City Home Loans originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Capital City Home Loans'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