Rain City Capital in Virginia vs the state
16.7%Denial rate+0.73 pts vs state
16.7%Decision denial rate-3.58 pts vs state
83.3%Origination rate+23.81 pts vs state
7.76%Median rate+1.13 pts vs state
—Rate spread (pts)
$139kMedian applicant income
5Loans originated
1Denied
What Rain City Capital lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Rain City Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Loudoun County | 1 | 1 | 0 | 0.0% |
| Norfolk city | 1 | 1 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 6 applications in 2025, of which 5 were originated and 1 denied.
16.7% of all applications, or 16.7% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Rain City Capital originated in Virginia in 2025 was 7.76%, against a statewide median of 6.63%.
About this data. Figures are Rain City Capital's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology