Rain City Capital in Oregon vs the state
27.9%Denial rate+12.59 pts vs state
27.9%Decision denial rate+8.74 pts vs state
72.1%Origination rate+11.48 pts vs state
11.00%Median rate+4.25 pts vs state
—Rate spread (pts)
$150kMedian applicant income
168Loans originated
65Denied
Trend in Oregon
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 230 | 174 | 0.0% | 12.00% | #100 |
| 2025 | 233 | 168 | 27.9% | 11.00% | #107 |
What Rain City Capital lends in Oregon
By loan purpose
By loan type
Why it denied Oregon applicants
Where in Oregon
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Multnomah County | 17 | 15 | 2 | 11.8% |
| Marion County | 8 | 7 | 1 | 12.5% |
| Clackamas County | 6 | 5 | 1 | 16.7% |
| Washington County | 6 | 6 | 0 | 0.0% |
| Deschutes County | 4 | 4 | 0 | 0.0% |
| Polk County | 2 | 2 | 0 | 0.0% |
| Yamhill County | 2 | 2 | 0 | 0.0% |
| Linn County | 2 | 2 | 0 | 0.0% |
| Lane County | 2 | 2 | 0 | 0.0% |
| Clatsop County | 2 | 2 | 0 | 0.0% |
Other large lenders in Oregon
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Onpoint Community Credit Union | B | 10,710 | 15.7% | 7.50% |
| Rocket Mortgage | C | 6,649 | 16.3% | 6.75% |
| United Shore Financial Services | B | 6,600 | 10.4% | 6.25% |
| Guild Mortgage | A | 6,034 | 2.6% | 6.55% |
| U.S. Bank | D | 4,875 | 31.6% | 7.85% |
| Umpqua Bank | C | 3,155 | 23.0% | 7.50% |
| Newrez | D | 2,945 | 12.9% | 6.63% |
| CMG Mortgage | A | 2,702 | 2.9% | 6.50% |
| Pennymac Loan Services | C | 2,642 | 10.2% | 6.62% |
| Rogue Credit Union | C | 2,511 | 10.2% | 7.49% |
Frequently asked questions
Oregon: 233 applications in 2025, of which 168 were originated and 65 denied.
27.9% of all applications, or 27.9% of the applications it actually decided on. The Oregon statewide average across all lenders was 15.3%.
The median rate on loans Rain City Capital originated in Oregon in 2025 was 11.00%, against a statewide median of 6.75%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in Oregon, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology