Rain City Capital in Illinois vs the state
45.5%Denial rate+28.33 pts vs state
45.5%Decision denial rate+23.77 pts vs state
54.6%Origination rate-4.19 pts vs state
7.57%Median rate+0.82 pts vs state
—Rate spread (pts)
$86kMedian applicant income
6Loans originated
5Denied
What Rain City Capital lends in Illinois
By loan purpose
By loan type
Why it denied Illinois applicants
Where in Illinois
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cook County | 1 | 1 | 0 | 0.0% |
Other large lenders in Illinois
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Guaranteed Rate | B | 17,479 | 4.9% | 6.63% |
| Rocket Mortgage | C | 16,971 | 19.7% | 6.75% |
| United Shore Financial Services | B | 15,644 | 13.0% | 6.50% |
| JPMorgan Chase Bank | B | 13,574 | 9.7% | 6.49% |
| U.S. Bank | D | 10,076 | 38.3% | 7.00% |
| Crosscountry Mortgage | B | 8,779 | 4.5% | 6.75% |
| Fifth Third Bank | D | 8,628 | 32.1% | 7.50% |
| The Huntington National Bank | D | 8,226 | 31.9% | 6.99% |
| BMO Bank | F | 8,007 | 32.7% | 8.33% |
| Loandepot.Com | D | 7,019 | 17.7% | 6.88% |
Frequently asked questions
Illinois: 11 applications in 2025, of which 6 were originated and 5 denied.
45.5% of all applications, or 45.5% of the applications it actually decided on. The Illinois statewide average across all lenders was 17.1%.
The median rate on loans Rain City Capital originated in Illinois in 2025 was 7.57%, against a statewide median of 6.75%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in Illinois, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology