Rain City Capital in Ohio vs the state
39.8%Denial rate+22.11 pts vs state
39.8%Decision denial rate+17.91 pts vs state
60.2%Origination rate+0.30 pts vs state
10.50%Median rate+3.63 pts vs state
—Rate spread (pts)
$154kMedian applicant income
180Loans originated
119Denied
Trend in Ohio
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 4 | 0.0% | 11.00% | #633 |
| 2025 | 299 | 180 | 39.8% | 10.50% | #191 |
What Rain City Capital lends in Ohio
By loan purpose
By loan type
Why it denied Ohio applicants
Where in Ohio
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cuyahoga County | 19 | 15 | 4 | 21.1% |
| Franklin County | 7 | 5 | 2 | 28.6% |
| Summit County | 4 | 2 | 2 | 50.0% |
| Hamilton County | 3 | 1 | 2 | 66.7% |
| Lucas County | 3 | 2 | 1 | 33.3% |
| Ashtabula County | 3 | 3 | 0 | 0.0% |
| Stark County | 3 | 1 | 2 | 66.7% |
| Lorain County | 1 | 1 | 0 | 0.0% |
| Licking County | 1 | 0 | 1 | 100.0% |
| Trumbull County | 1 | 1 | 0 | 0.0% |
Other large lenders in Ohio
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| The Huntington National Bank | D | 42,683 | 25.8% | 7.59% |
| Rocket Mortgage | C | 23,165 | 18.5% | 6.63% |
| Fifth Third Bank | D | 21,939 | 25.6% | 7.50% |
| Crosscountry Mortgage | B | 16,066 | 3.1% | 6.75% |
| United Shore Financial Services | B | 14,626 | 13.1% | 6.45% |
| Third Federal Savings and Loan Association of Cleveland | C | 12,622 | 23.0% | 6.74% |
| PNC Bank | D | 11,607 | 24.6% | 7.40% |
| Wright-Patt Credit Union | C | 8,791 | 28.1% | 7.50% |
| U.S. Bank | D | 8,623 | 38.0% | 7.60% |
| Citizens Bank | C | 7,775 | 24.3% | 7.65% |
Frequently asked questions
Ohio: 299 applications in 2025, of which 180 were originated and 119 denied.
39.8% of all applications, or 39.8% of the applications it actually decided on. The Ohio statewide average across all lenders was 17.7%.
The median rate on loans Rain City Capital originated in Ohio in 2025 was 10.50%, against a statewide median of 6.88%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in Ohio, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology