Rain City Capital in Tennessee vs the state
24.7%Denial rate+7.52 pts vs state
24.7%Decision denial rate+2.98 pts vs state
75.3%Origination rate+17.26 pts vs state
10.50%Median rate+3.88 pts vs state
—Rate spread (pts)
$150kMedian applicant income
168Loans originated
55Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 107 | 80 | 0.0% | 11.50% | #285 |
| 2025 | 223 | 168 | 24.7% | 10.50% | #201 |
What Rain City Capital lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 8 | 8 | 0 | 0.0% |
| Shelby County | 6 | 5 | 1 | 16.7% |
| Knox County | 6 | 5 | 1 | 16.7% |
| Hamilton County | 6 | 6 | 0 | 0.0% |
| Rutherford County | 4 | 4 | 0 | 0.0% |
| Williamson County | 3 | 3 | 0 | 0.0% |
| Loudon County | 2 | 2 | 0 | 0.0% |
| Roane County | 2 | 2 | 0 | 0.0% |
| Madison County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 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: 223 applications in 2025, of which 168 were originated and 55 denied.
24.7% of all applications, or 24.7% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Rain City Capital originated in Tennessee in 2025 was 10.50%, against a statewide median of 6.62%.
About this data. Figures are Rain City 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