Name of the lender

Rain City Capital, LLCMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2019 to 2025

Head office: Kirkland, WA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

Figures by state (CSV)

Rain City Capital, LLC reported 3,585 mortgage applications in the HMDA data of 2025.

It originated 2,118 loans in 2025, for $653 million in total.

This page shows no median interest rate for 2025: under 20 loans with a rate.

This page shows no median total loan costs, because fewer than 20 loans report the amount.

It denied 40.9% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Rain City Capital, LLC, 2025
Figure	This lender	United States
Applications	3,585Under 0.1% of the US total	11,766,671
Loans originated	2,118$653 million	6,827,891
Median interest rate	n/aWhy there is no median	6.375%
Median total loan costs	n/a	$6,413
Denial rate	40.9%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Median interest rate, 2025Not shown

A median needs 20 loans with a reported interest rate. No loan of the lender is in the loans that the medians use.

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians.

Action takenHMDA codes and labels

Records of Rain City Capital, LLC by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	2,118	59.1%	50.4%
2Application approved but not accepted	0	0.0%	3.1%
3Application denied	1,467	40.9%	15.6%
4Application withdrawn by applicant	0	0.0%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of Rain City Capital, LLC by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	0	0.0%	32.7%
2Employment history	0	0.0%	0.9%
3Credit history	0	0.0%	25.6%
4Collateral	0	0.0%	13.8%
5Insufficient cash (downpayment, closing costs)	1,467	100.0%	2.3%
6Unverifiable information	0	0.0%	4.2%
7Credit application incomplete	0	0.0%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	0	0.0%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of Rain City Capital, LLC by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	3,585	2,118	40.9%US 23.4%

Applications of Rain City Capital, LLC by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	0	0	0.0%
Home improvement	0	0	0.0%
Refinancing	0	0	0.0%
Cash-out refinancing	0	0	0.0%
Other purpose	3,585	2,118	100.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends20 states with 25 applications or more

Rain City Capital, LLC by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Alabama	45	31	n/a	n/a	31.1%
Arizona	33	17	n/a	n/a	48.5%
Arkansas	33	23	n/a	n/a	30.3%
Colorado	43	18	n/a	n/a	58.1%
Connecticut	35	21	n/a	n/a	40.0%
Florida	309	165	n/a	n/a	46.6%
Georgia	163	73	n/a	n/a	55.2%
Indiana	46	27	n/a	n/a	41.3%
Missouri	124	60	n/a	n/a	51.6%
New Jersey	89	62	n/a	n/a	30.3%
New York	33	13	n/a	n/a	60.6%
North Carolina	114	55	n/a	n/a	51.8%
Ohio	299	180	n/a	n/a	39.8%
Oklahoma	327	196	n/a	n/a	40.1%
Oregon	233	168	n/a	n/a	27.9%
Pennsylvania	33	16	n/a	n/a	51.5%
South Carolina	27	13	n/a	n/a	51.9%
Tennessee	223	168	n/a	n/a	24.7%
Texas	665	348	n/a	n/a	47.7%
Washington	587	418	n/a	n/a	28.8%

Figures by yearHMDA 2022 to 2025

Rain City Capital, LLC by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	3,585	2,118	n/a	n/a	40.9%	3,585
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	1,359	945	n/a	n/a	0.0%	1,359
2022	1,062	736	n/a	n/a	0.0%	1,062
2021	n/a	n/a	n/a	n/a	n/a	864
2020	n/a	n/a	n/a	n/a	n/a	492
2019	n/a	n/a	n/a	n/a	n/a	651

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Rain City Capital, LLC and the United States

Rain City Capital, LLCUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

American Airlines Federal CredFort Worth, TX
AML Funding LLC dba Absolute Mortgage & LendingDallas, TX
Easy Street Capital LLCAustin, TX
Gesa Credit UnionRichland, WA
Interlinc Mortgage Services, LLCHouston, TX
Investor Mortgage Finance LLCAustin, TX
Lima One Capital, LLCGreenville, SC
Mortgage Financial ServicesBaton Rouge, LA
Prosperity BankLakeway, TX
Spokane Teachers Credit UnionLiberty Lake, WA
Temple View Capital Funding LPBethesda, MD
WsecuOlympia, WA

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Rain City Capital, LLC mortgage rates and denial rate, 2025", https://lenderregister.com/lender/5493004t38nmc864vl66-rain-city-capital-llc/
Lender: Rain City Capital, LLC, LEI 5493004T38NMC864VL66
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2019 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Rain City Capital, LLC buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did Rain City Capital, LLC code most often in 2025?: The first reasons that it coded most often were insufficient cash (downpayment, closing costs) (1,467).
In which states did Rain City Capital, LLC originate the most loans in 2025?: The three states with the most loans were Washington (418), Texas (348) and Oklahoma (196). It had 25 applications or more in 20 states.
Which loan types did Rain City Capital, LLC originate in 2025?: All its loans were of one type: 2,118 Conventional.