Reliance First Capital in Tennessee vs the state
2.0%Denial rate-15.15 pts vs state
2.5%Decision denial rate-19.22 pts vs state
77.3%Origination rate+19.19 pts vs state
6.50%Median rate-0.12 pts vs state
0.67Rate spread (pts)+0.44 pts vs state
$69kMedian applicant income
272Loans originated
7Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 362 | 299 | 1.7% | 6.75% | #118 |
| 2024 | 443 | 362 | 2.9% | 6.75% | #112 |
| 2025 | 352 | 272 | 2.0% | 6.50% | #144 |
What Reliance First Capital lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Reliance First Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Davidson County | 32 | 27 | 0 | 0.0% |
| Knox County | 26 | 20 | 1 | 3.8% |
| Shelby County | 25 | 22 | 0 | 0.0% |
| Rutherford County | 20 | 17 | 0 | 0.0% |
| Sumner County | 19 | 14 | 0 | 0.0% |
| Hamilton County | 19 | 15 | 0 | 0.0% |
| Robertson County | 11 | 9 | 1 | 9.1% |
| Montgomery County | 10 | 7 | 0 | 0.0% |
| Anderson County | 9 | 9 | 0 | 0.0% |
| Sevier County | 9 | 8 | 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: 352 applications in 2025, of which 272 were originated and 7 denied.
2.0% of all applications, or 2.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Reliance First Capital originated in Tennessee in 2025 was 6.50%, against a statewide median of 6.62%.
About this data. Figures are Reliance First 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