Rain City Capital in New York vs the state
60.6%Denial rate+40.86 pts vs state
60.6%Decision denial rate+36.57 pts vs state
39.4%Origination rate-20.20 pts vs state
7.63%Median rate+1.01 pts vs state
—Rate spread (pts)
—Median applicant income
13Loans originated
20Denied
What Rain City Capital lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 1 | 0 | 1 | 100.0% |
| Rockland County | 1 | 0 | 1 | 100.0% |
| Orange County | 1 | 1 | 0 | 0.0% |
| Sullivan County | 1 | 1 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 33 applications in 2025, of which 13 were originated and 20 denied.
60.6% of all applications, or 60.6% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Rain City Capital originated in New York in 2025 was 7.63%, against a statewide median of 6.63%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology