Rain City Capital in Arizona vs the state
48.5%Denial rate+32.25 pts vs state
48.5%Decision denial rate+28.07 pts vs state
51.5%Origination rate-7.96 pts vs state
10.50%Median rate+4.00 pts vs state
—Rate spread (pts)
$150kMedian applicant income
17Loans originated
16Denied
What Rain City Capital lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Maricopa County | 3 | 2 | 1 | 33.3% |
| Pinal County | 1 | 1 | 0 | 0.0% |
| Pima County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 33 applications in 2025, of which 17 were originated and 16 denied.
48.5% of all applications, or 48.5% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Rain City Capital originated in Arizona in 2025 was 10.50%, against a statewide median of 6.50%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology