Rain City Capital in Colorado vs the state
58.1%Denial rate+42.51 pts vs state
58.1%Decision denial rate+38.48 pts vs state
41.9%Origination rate-18.16 pts vs state
10.50%Median rate+3.88 pts vs state
—Rate spread (pts)
$160kMedian applicant income
18Loans originated
25Denied
What Rain City Capital lends in Colorado
By loan purpose
By loan type
Why it denied Colorado applicants
Where in Colorado
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denver County | 4 | 4 | 0 | 0.0% |
| Arapahoe County | 3 | 3 | 0 | 0.0% |
| Jefferson County | 2 | 0 | 2 | 100.0% |
| Adams County | 2 | 1 | 1 | 50.0% |
| Mesa County | 1 | 1 | 0 | 0.0% |
| Routt County | 1 | 0 | 1 | 100.0% |
Other large lenders in Colorado
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 23,111 | 8.8% | 6.13% |
| ENT Credit Union | B | 13,238 | 20.9% | 7.50% |
| Rocket Mortgage | C | 11,486 | 15.7% | 6.61% |
| Guild Mortgage | A | 6,232 | 3.1% | 6.62% |
| Bellco Credit Union | F | 5,863 | 40.9% | 8.00% |
| U.S. Bank | D | 4,978 | 36.0% | 7.95% |
| American Financing | D | 4,937 | 41.3% | 6.38% |
| FirstBank | C | 4,929 | 15.6% | 7.00% |
| Canvas Credit Union | C | 4,889 | 13.7% | 7.89% |
| Elevations | C | 4,426 | 10.8% | 6.88% |
Frequently asked questions
Colorado: 43 applications in 2025, of which 18 were originated and 25 denied.
58.1% of all applications, or 58.1% of the applications it actually decided on. The Colorado statewide average across all lenders was 15.6%.
The median rate on loans Rain City Capital originated in Colorado in 2025 was 10.50%, against a statewide median of 6.63%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in Colorado, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology