Rain City Capital in Missouri vs the state
51.6%Denial rate+36.54 pts vs state
51.6%Decision denial rate+32.91 pts vs state
48.4%Origination rate-14.27 pts vs state
10.50%Median rate+3.88 pts vs state
—Rate spread (pts)
$140kMedian applicant income
60Loans originated
64Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 11 | 0.0% | 12.00% | #456 |
| 2025 | 124 | 60 | 51.6% | 10.50% | #243 |
What Rain City Capital lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 14 | 8 | 6 | 42.9% |
| Jackson County | 12 | 8 | 4 | 33.3% |
| St. Louis city | 11 | 11 | 0 | 0.0% |
| Callaway County | 2 | 2 | 0 | 0.0% |
| Christian County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 124 applications in 2025, of which 60 were originated and 64 denied.
51.6% of all applications, or 51.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Rain City Capital originated in Missouri 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 Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology