Rain City Capital in Florida vs the state
46.6%Denial rate+25.54 pts vs state
46.6%Decision denial rate+19.36 pts vs state
53.4%Origination rate+0.71 pts vs state
10.50%Median rate+3.88 pts vs state
—Rate spread (pts)
$140kMedian applicant income
165Loans originated
144Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 40 | 20 | 0.0% | 11.50% | #679 |
| 2025 | 309 | 165 | 46.6% | 10.50% | #301 |
What Rain City Capital lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Pinellas County | 32 | 25 | 7 | 21.9% |
| Hillsborough County | 18 | 18 | 0 | 0.0% |
| Duval County | 10 | 7 | 3 | 30.0% |
| Miami-Dade County | 4 | 3 | 1 | 25.0% |
| Pasco County | 4 | 3 | 1 | 25.0% |
| Manatee County | 3 | 1 | 2 | 66.7% |
| Volusia County | 3 | 3 | 0 | 0.0% |
| Orange County | 3 | 3 | 0 | 0.0% |
| St. Lucie County | 2 | 2 | 0 | 0.0% |
| Escambia County | 1 | 1 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 309 applications in 2025, of which 165 were originated and 144 denied.
46.6% of all applications, or 46.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Rain City Capital originated in Florida 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 Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology