Rain City Capital in Georgia vs the state
55.2%Denial rate+35.99 pts vs state
55.2%Decision denial rate+30.14 pts vs state
44.8%Origination rate-9.30 pts vs state
10.50%Median rate+3.88 pts vs state
—Rate spread (pts)
$250kMedian applicant income
73Loans originated
90Denied
What Rain City Capital lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| DeKalb County | 12 | 3 | 9 | 75.0% |
| Fulton County | 8 | 5 | 3 | 37.5% |
| Bibb County | 6 | 5 | 1 | 16.7% |
| Troup County | 5 | 0 | 5 | 100.0% |
| Upson County | 3 | 3 | 0 | 0.0% |
| Dougherty County | 2 | 2 | 0 | 0.0% |
| Floyd County | 2 | 0 | 2 | 100.0% |
| Spalding County | 2 | 2 | 0 | 0.0% |
| Douglas County | 1 | 0 | 1 | 100.0% |
| Cobb County | 1 | 0 | 1 | 100.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 163 applications in 2025, of which 73 were originated and 90 denied.
55.2% of all applications, or 55.2% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Rain City Capital originated in Georgia 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 Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology