Rain City Capital in Oklahoma vs the state
40.1%Denial rate+22.14 pts vs state
40.1%Decision denial rate+17.19 pts vs state
59.9%Origination rate+3.84 pts vs state
10.00%Median rate+3.38 pts vs state
—Rate spread (pts)
$176kMedian applicant income
196Loans originated
131Denied
Trend in Oklahoma
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 131 | 106 | 0.0% | 11.00% | #141 |
| 2025 | 327 | 196 | 40.1% | 10.00% | #87 |
What Rain City Capital lends in Oklahoma
By loan purpose
By loan type
Why it denied Oklahoma applicants
Where in Oklahoma
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Oklahoma County | 31 | 27 | 4 | 12.9% |
| Tulsa County | 20 | 18 | 2 | 10.0% |
| Pottawatomie County | 7 | 6 | 1 | 14.3% |
| Muskogee County | 5 | 3 | 2 | 40.0% |
| McClain County | 3 | 0 | 3 | 100.0% |
| Canadian County | 3 | 2 | 1 | 33.3% |
| Cleveland County | 2 | 2 | 0 | 0.0% |
| Rogers County | 1 | 1 | 0 | 0.0% |
| Jackson County | 1 | 1 | 0 | 0.0% |
| Creek County | 1 | 1 | 0 | 0.0% |
Other large lenders in Oklahoma
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 6,990 | 24.0% | 6.75% |
| First United Bank and Trust | C | 5,630 | 5.9% | 6.88% |
| Arvest Bank | C | 5,387 | 17.6% | 7.00% |
| 21st Mortgage | F | 5,217 | 46.8% | 9.83% |
| BancFirst | C | 4,799 | 10.0% | 7.38% |
| BOKF | D | 4,227 | 20.2% | 6.63% |
| Mortgage Research Center | C | 4,012 | 18.8% | 6.25% |
| United Shore Financial Services | B | 3,735 | 13.8% | 6.13% |
| Associated Mortgage | A | 3,213 | 0.7% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 2,610 | 38.3% | 9.75% |
Frequently asked questions
Oklahoma: 327 applications in 2025, of which 196 were originated and 131 denied.
40.1% of all applications, or 40.1% of the applications it actually decided on. The Oklahoma statewide average across all lenders was 17.9%.
The median rate on loans Rain City Capital originated in Oklahoma in 2025 was 10.00%, against a statewide median of 6.63%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in Oklahoma, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology