Rain City Capital in Alabama vs the state
31.1%Denial rate+11.26 pts vs state
31.1%Decision denial rate+6.11 pts vs state
68.9%Origination rate+13.50 pts vs state
10.00%Median rate+3.50 pts vs state
—Rate spread (pts)
$150kMedian applicant income
31Loans originated
14Denied
What Rain City Capital lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Jefferson County | 7 | 7 | 0 | 0.0% |
| Dale County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Morgan County | 1 | 1 | 0 | 0.0% |
| Houston County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 1 | 100.0% |
| Baldwin County | 1 | 0 | 1 | 100.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 45 applications in 2025, of which 31 were originated and 14 denied.
31.1% of all applications, or 31.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Rain City Capital originated in Alabama in 2025 was 10.00%, against a statewide median of 6.50%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology