Rain City Capital in Texas vs the state
47.7%Denial rate+28.24 pts vs state
47.7%Decision denial rate+22.77 pts vs state
52.3%Origination rate-2.55 pts vs state
10.50%Median rate+4.00 pts vs state
—Rate spread (pts)
$200kMedian applicant income
348Loans originated
317Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 276 | 176 | 0.0% | 12.00% | #336 |
| 2025 | 665 | 348 | 47.7% | 10.50% | #216 |
What Rain City Capital lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 29 | 15 | 14 | 48.3% |
| Dallas County | 20 | 18 | 2 | 10.0% |
| Travis County | 19 | 16 | 3 | 15.8% |
| Bell County | 12 | 8 | 4 | 33.3% |
| Bexar County | 12 | 9 | 3 | 25.0% |
| Lubbock County | 9 | 5 | 4 | 44.4% |
| Tarrant County | 8 | 7 | 1 | 12.5% |
| Collin County | 5 | 3 | 2 | 40.0% |
| Gregg County | 3 | 2 | 1 | 33.3% |
| Smith County | 3 | 1 | 2 | 66.7% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 665 applications in 2025, of which 348 were originated and 317 denied.
47.7% of all applications, or 47.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Rain City Capital originated in Texas in 2025 was 10.50%, against a statewide median of 6.50%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology