Rain City Capital in Pennsylvania vs the state
51.5%Denial rate+33.23 pts vs state
51.5%Decision denial rate+29.31 pts vs state
48.5%Origination rate-12.48 pts vs state
7.82%Median rate+1.19 pts vs state
—Rate spread (pts)
$250kMedian applicant income
16Loans originated
17Denied
What Rain City Capital lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Schuylkill County | 2 | 2 | 0 | 0.0% |
| Cumberland County | 1 | 0 | 1 | 100.0% |
| Westmoreland County | 1 | 0 | 1 | 100.0% |
| Beaver County | 1 | 0 | 1 | 100.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 33 applications in 2025, of which 16 were originated and 17 denied.
51.5% of all applications, or 51.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Rain City Capital originated in Pennsylvania in 2025 was 7.82%, against a statewide median of 6.63%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology