Rain City Capital in Kansas vs the state
75.0%Denial rate+59.97 pts vs state
75.0%Decision denial rate+56.72 pts vs state
25.0%Origination rate-38.82 pts vs state
7.75%Median rate+1.13 pts vs state
—Rate spread (pts)
$300kMedian applicant income
2Loans originated
6Denied
Trend in Kansas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 8 | 0.0% | 11.50% | #340 |
| 2025 | 8 | 2 | 75.0% | 7.75% | #377 |
What Rain City Capital lends in Kansas
By loan purpose
By loan type
Why it denied Kansas applicants
Other large lenders in Kansas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 5,303 | 18.0% | 6.63% |
| Communityamerica Credit Union | B | 3,575 | 12.4% | 6.38% |
| United Shore Financial Services | B | 2,545 | 11.4% | 6.38% |
| Mortgage Research Center | C | 2,389 | 15.1% | 6.25% |
| Fairway Independent Mortgage | B | 2,360 | 2.0% | 6.63% |
| Pennymac Loan Services | C | 2,103 | 10.8% | 6.49% |
| Credit Union of America | C | 1,940 | 22.9% | 7.75% |
| Capitol Federal Savings Bank | B | 1,873 | 12.6% | 6.75% |
| Guild Mortgage | A | 1,549 | 3.6% | 6.63% |
| U.S. Bank | D | 1,534 | 31.4% | 7.28% |
Frequently asked questions
Kansas: 8 applications in 2025, of which 2 were originated and 6 denied.
75.0% of all applications, or 75.0% of the applications it actually decided on. The Kansas statewide average across all lenders was 15.0%.
The median rate on loans Rain City Capital originated in Kansas in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in Kansas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology