Lima One Capital in Tennessee vs the state
20.1%Denial rate+2.96 pts vs state
23.1%Decision denial rate+1.40 pts vs state
67.0%Origination rate+8.93 pts vs state
7.86%Median rate+1.23 pts vs state
—Rate spread (pts)
—Median applicant income
130Loans originated
39Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 136 | 136 | 0.0% | 9.10% | #248 |
| 2024 | 211 | 120 | 18.5% | 8.08% | #195 |
| 2025 | 194 | 130 | 20.1% | 7.86% | #222 |
What Lima One Capital lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Shelby County | 105 | 83 | 13 | 12.4% |
| Knox County | 16 | 11 | 2 | 12.5% |
| Blount County | 15 | 9 | 3 | 20.0% |
| Hamilton County | 14 | 6 | 3 | 21.4% |
| Sevier County | 12 | 4 | 5 | 41.7% |
| Davidson County | 11 | 7 | 4 | 36.4% |
| Macon County | 4 | 2 | 2 | 50.0% |
| Rutherford County | 3 | 1 | 2 | 66.7% |
| Sullivan County | 3 | 2 | 1 | 33.3% |
| Washington County | 2 | 1 | 1 | 50.0% |
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: 194 applications in 2025, of which 130 were originated and 39 denied.
20.1% of all applications, or 23.1% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Lima One Capital originated in Tennessee in 2025 was 7.86%, against a statewide median of 6.62%.
About this data. Figures are Lima One Capital'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