Rain City Capital, LLC Mortgage Lending & HMDA Data, 2025

In 2025, Rain City Capital, LLC of Kirkland, WA reported 3,585 mortgage applications totaling $984.2 million. The average application was for $274,545, and applicants reported an average income of $270,000. 59% of its applications resulted in an originated loan and 41% were denied. Its largest markets were Portland-Vancouver-Hillsboro, OR-WA (40), Oklahoma City, OK (39) and Houston-The Woodlands-Sugar Land, TX (35) (applications in parentheses).

Mortgage Company & Address Rain City Capital, LLC
12131 113th Ave Ne #201
Kirkland, WA 98034
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2023  2022  2021  2020  2019  
Total Number of Mortgage Applications 3,585
Total Mortgage Loan Application Amount $984,245,000
Average Mortgage Loan Application Amount $274,545
Highest Mortgage Loan Application Amount $11,005,000
Average Applicant Income $270,000
Highest Applicant Income $6,000,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rain City Capital, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Rain City Capital, LLC by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Pinellas, Florida 32 $ 10,760,000 $ 336,250 $ 221,000
Oklahoma, Oklahoma 31 $ 4,895,000 $ 157,903 $ 211,000
King, Washington 31 $ 22,545,000 $ 727,258 $ 223,000
Harris, Texas 29 $ 9,085,000 $ 313,275 $ 157,000
Tulsa, Oklahoma 20 $ 2,920,000 $ 146,000 $ 180,000
Dallas, Texas 20 $ 4,990,000 $ 249,500 $ 229,000
Snohomish, Washington 20 $ 15,320,000 $ 766,000 $ 270,000
Cuyahoga, Ohio 19 $ 2,605,000 $ 137,105 $ 178,000
Travis, Texas 19 $ 9,915,000 $ 521,842 $ 360,000
Hillsborough, Florida 18 $ 5,050,000 $ 280,555 $ 286,000
Multnomah, Oregon 17 $ 5,305,000 $ 312,058 $ 204,000
St. Louis, Missouri 14 $ 1,640,000 $ 117,142 $ 152,000
Pierce, Washington 14 $ 4,990,000 $ 356,428 $ 284,000
DeKalb, Georgia 12 $ 4,450,000 $ 370,833 $ 461,000
Jackson, Missouri 12 $ 1,630,000 $ 135,833 $ 264,000
Bell, Texas 12 $ 1,520,000 $ 126,666 $ 334,000
Bexar, Texas 12 $ 4,170,000 $ 347,500 $ 757,000
St. Louis City, Missouri 11 $ 2,185,000 $ 198,636 $ 110,000
Duval, Florida 10 $ 1,250,000 $ 125,000 $ 200,000
Lubbock, Texas 9 $ 1,285,000 $ 142,777 $ 455,000
Pulaski, Arkansas 8 $ 820,000 $ 102,500 $ 339,000
Fulton, Georgia 8 $ 1,950,000 $ 243,750 $ 305,000
Marion, Oregon 8 $ 2,340,000 $ 292,500 $ 323,000
Davidson, Tennessee 8 $ 5,180,000 $ 647,500 $ 154,000
Tarrant, Texas 8 $ 1,630,000 $ 203,750 $ 221,000
Clark, Washington 8 $ 2,490,000 $ 311,250 $ 263,000
Kitsap, Washington 8 $ 2,630,000 $ 328,750 $ 211,000
Jefferson, Alabama 7 $ 795,000 $ 113,571 $ 193,000
Wake, North Carolina 7 $ 2,075,000 $ 296,428 $ 227,000
Franklin, Ohio 7 $ 1,055,000 $ 150,714 $ 303,000
Pottawatomie, Oklahoma 7 $ 495,000 $ 70,714 $ 143,000
Bibb, Georgia 6 $ 740,000 $ 123,333 $ 333,000
Clackamas, Oregon 6 $ 2,890,000 $ 481,666 $ 199,000
Washington, Oregon 6 $ 2,820,000 $ 470,000 $ 285,000
Hamilton, Tennessee 6 $ 1,420,000 $ 236,666 $ 360,000
Knox, Tennessee 6 $ 1,150,000 $ 191,666 $ 189,000
Shelby, Tennessee 6 $ 890,000 $ 148,333 $ 133,000
Troup, Georgia 5 $ 465,000 $ 93,000 $ 100,000
Cumberland, North Carolina 5 $ 805,000 $ 161,000 $ 184,000
Muskogee, Oklahoma 5 $ 485,000 $ 97,000 $ 86,000
Collin, Texas 5 $ 1,505,000 $ 301,000 $ 140,000
Denver, Colorado 4 $ 1,440,000 $ 360,000 $ 146,000
Miami-Dade, Florida 4 $ 2,360,000 $ 590,000 $ 295,000
Pasco, Florida 4 $ 1,250,000 $ 312,500 $ 212,000
Summit, Ohio 4 $ 370,000 $ 92,500 $ 197,000
Deschutes, Oregon 4 $ 1,210,000 $ 302,500 $ 127,000
Rutherford, Tennessee 4 $ 770,000 $ 192,500 $ 230,000
Thurston, Washington 4 $ 1,510,000 $ 377,500 $ 391,000
Maricopa, Arizona 3 $ 1,745,000 $ 581,666 $ 240,000
Benton, Arkansas 3 $ 785,000 $ 261,666 $ 143,000
Arapahoe, Colorado 3 $ 985,000 $ 328,333 $ 186,000
Manatee, Florida 3 $ 1,355,000 $ 451,666 $ 173,000
Orange, Florida 3 $ 815,000 $ 271,666 $ 350,000
Volusia, Florida 3 $ 595,000 $ 198,333 $ 71,000
Upson, Georgia 3 $ 335,000 $ 111,666 $ 0
Maui, Hawaii 3 $ 7,875,000 $ 2,625,000 $ 0
Lake, Indiana 3 $ 435,000 $ 145,000 $ 140,000
Durham, North Carolina 3 $ 485,000 $ 161,666 $ 249,000
Guilford, North Carolina 3 $ 365,000 $ 121,666 $ 175,000
Ashtabula, Ohio 3 $ 335,000 $ 111,666 $ 120,000
Hamilton, Ohio 3 $ 715,000 $ 238,333 $ 242,000
Lucas, Ohio 3 $ 285,000 $ 95,000 $ 156,000
Stark, Ohio 3 $ 325,000 $ 108,333 $ 330,000
Canadian, Oklahoma 3 $ 555,000 $ 185,000 $ 314,000
McClain, Oklahoma 3 $ 745,000 $ 248,333 $ 211,000
Williamson, Tennessee 3 $ 3,225,000 $ 1,075,000 $ 250,000
Gregg, Texas 3 $ 335,000 $ 111,666 $ 193,000
Smith, Texas 3 $ 525,000 $ 175,000 $ 190,000
Williamson, Texas 3 $ 925,000 $ 308,333 $ 182,000
Mason, Washington 3 $ 745,000 $ 248,333 $ 261,000
Skagit, Washington 3 $ 1,085,000 $ 361,666 $ 390,000
Washington, Arkansas 2 $ 400,000 $ 200,000 $ 140,000
Adams, Colorado 2 $ 800,000 $ 400,000 $ 200,000
Jefferson, Colorado 2 $ 940,000 $ 470,000 $ 135,000
St. Lucie, Florida 2 $ 450,000 $ 225,000 $ 190,000
Dougherty, Georgia 2 $ 340,000 $ 170,000 $ 200,000
Floyd, Georgia 2 $ 210,000 $ 105,000 $ 200,000
Spalding, Georgia 2 $ 340,000 $ 170,000 $ 500,000
Callaway, Missouri 2 $ 230,000 $ 115,000 $ 150,000
Harnett, North Carolina 2 $ 210,000 $ 105,000 $ 145,000
Nash, North Carolina 2 $ 240,000 $ 120,000 $ 165,000
Rowan, North Carolina 2 $ 780,000 $ 390,000 $ 200,000
Stanly, North Carolina 2 $ 350,000 $ 175,000 $ 124,000
Wayne, North Carolina 2 $ 250,000 $ 125,000 $ 142,000
Cleveland, Oklahoma 2 $ 290,000 $ 145,000 $ 214,000
Clatsop, Oregon 2 $ 210,000 $ 105,000 $ 77,000
Lane, Oregon 2 $ 630,000 $ 315,000 $ 115,000
Linn, Oregon 2 $ 450,000 $ 225,000 $ 242,000
Polk, Oregon 2 $ 380,000 $ 190,000 $ 67,000
Yamhill, Oregon 2 $ 520,000 $ 260,000 $ 167,000
Schuylkill, Pennsylvania 2 $ 170,000 $ 85,000 $ 0
Greenville, South Carolina 2 $ 180,000 $ 90,000 $ 150,000
Oconee, South Carolina 2 $ 190,000 $ 95,000 $ 92,000
Pickens, South Carolina 2 $ 320,000 $ 160,000 $ 105,000
Loudon, Tennessee 2 $ 310,000 $ 155,000 $ 150,000
Madison, Tennessee 2 $ 310,000 $ 155,000 $ 60,000
Roane, Tennessee 2 $ 390,000 $ 195,000 $ 148,000
Caldwell, Texas 2 $ 420,000 $ 210,000 $ 93,000
Denton, Texas 2 $ 280,000 $ 140,000 $ 145,000
Galveston, Texas 2 $ 370,000 $ 185,000 $ 155,000
Jefferson, Texas 2 $ 240,000 $ 120,000 $ 133,000
McLennan, Texas 2 $ 240,000 $ 120,000 $ 108,000
Montgomery, Texas 2 $ 340,000 $ 170,000 $ 63,000
Nueces, Texas 2 $ 190,000 $ 95,000 $ 87,000
Potter, Texas 2 $ 130,000 $ 65,000 $ 650,000
Victoria, Texas 2 $ 290,000 $ 145,000 $ 119,000
Cowlitz, Washington 2 $ 190,000 $ 95,000 $ 155,000
Grays Harbor, Washington 2 $ 350,000 $ 175,000 $ 425,000
Milwaukee, Wisconsin 2 $ 270,000 $ 135,000 $ 0
Baldwin, Alabama 1 $ 505,000 $ 505,000 $ 320,000
Dale, Alabama 1 $ 95,000 $ 95,000 $ 42,000
Houston, Alabama 1 $ 85,000 $ 85,000 $ 60,000
Madison, Alabama 1 $ 265,000 $ 265,000 $ 100,000
Montgomery, Alabama 1 $ 85,000 $ 85,000 $ 222,000
Morgan, Alabama 1 $ 205,000 $ 205,000 $ 100,000
Pima, Arizona 1 $ 305,000 $ 305,000 $ 100,000
Pinal, Arizona 1 $ 275,000 $ 275,000 $ 150,000
Craighead, Arkansas 1 $ 75,000 $ 75,000 $ 90,000
Miller, Arkansas 1 $ 205,000 $ 205,000 $ 300,000
Mesa, Colorado 1 $ 275,000 $ 275,000 $ 230,000
Routt, Colorado 1 $ 1,255,000 $ 1,255,000 $ 84,000
District of Columbia, District Of Columbia 1 $ 5,000 $ 5,000 $ 0
Brevard, Florida 1 $ 195,000 $ 195,000 $ 85,000
Broward, Florida 1 $ 265,000 $ 265,000 $ 325,000
Escambia, Florida 1 $ 135,000 $ 135,000 $ 100,000
Flagler, Florida 1 $ 175,000 $ 175,000 $ 150,000
Hernando, Florida 1 $ 235,000 $ 235,000 $ 320,000
Lee, Florida 1 $ 1,245,000 $ 1,245,000 $ 0
Leon, Florida 1 $ 585,000 $ 585,000 $ 320,000
Marion, Florida 1 $ 115,000 $ 115,000 $ 110,000
Osceola, Florida 1 $ 225,000 $ 225,000 $ 85,000
Santa Rosa, Florida 1 $ 215,000 $ 215,000 $ 165,000
Sarasota, Florida 1 $ 445,000 $ 445,000 $ 150,000
Seminole, Florida 1 $ 235,000 $ 235,000 $ 80,000
Bartow, Georgia 1 $ 225,000 $ 225,000 $ 200,000
Carroll, Georgia 1 $ 655,000 $ 655,000 $ 200,000
Chatham, Georgia 1 $ 5,000 $ 5,000 $ 220,000
Cobb, Georgia 1 $ 215,000 $ 215,000 $ 500,000
Douglas, Georgia 1 $ 205,000 $ 205,000 $ 500,000
Hall, Georgia 1 $ 285,000 $ 285,000 $ 0
Cook, Illinois 1 $ 85,000 $ 85,000 $ 0
Allen, Indiana 1 $ 145,000 $ 145,000 $ 50,000
Clark, Indiana 1 $ 105,000 $ 105,000 $ 0
Delaware, Indiana 1 $ 105,000 $ 105,000 $ 100,000
Floyd, Indiana 1 $ 5,000 $ 5,000 $ 0
Howard, Indiana 1 $ 105,000 $ 105,000 $ 100,000
Madison, Indiana 1 $ 105,000 $ 105,000 $ 100,000
St. Joseph, Indiana 1 $ 115,000 $ 115,000 $ 200,000
Vanderburgh, Indiana 1 $ 125,000 $ 125,000 $ 55,000
St. Helena, Louisiana 1 $ 115,000 $ 115,000 $ 0
Wayne, Michigan 1 $ 115,000 $ 115,000 $ 0
Christian, Missouri 1 $ 385,000 $ 385,000 $ 200,000
Jefferson, Missouri 1 $ 155,000 $ 155,000 $ 30,000
Essex, New Jersey 1 $ 645,000 $ 645,000 $ 0
Middlesex, New Jersey 1 $ 275,000 $ 275,000 $ 0
Passaic, New Jersey 1 $ 565,000 $ 565,000 $ 0
Union, New Jersey 1 $ 625,000 $ 625,000 $ 0
Orange, New York 1 $ 395,000 $ 395,000 $ 0
Rockland, New York 1 $ 355,000 $ 355,000 $ 0
Suffolk, New York 1 $ 2,315,000 $ 2,315,000 $ 0
Sullivan, New York 1 $ 105,000 $ 105,000 $ 0
Chatham, North Carolina 1 $ 335,000 $ 335,000 $ 394,000
Davidson, North Carolina 1 $ 215,000 $ 215,000 $ 0
New Hanover, North Carolina 1 $ 305,000 $ 305,000 $ 115,000
Pitt, North Carolina 1 $ 125,000 $ 125,000 $ 36,000
Sampson, North Carolina 1 $ 5,000 $ 5,000 $ 75,000
Wilson, North Carolina 1 $ 155,000 $ 155,000 $ 145,000
Fairfield, Ohio 1 $ 165,000 $ 165,000 $ 55,000
Greene, Ohio 1 $ 265,000 $ 265,000 $ 105,000
Huron, Ohio 1 $ 115,000 $ 115,000 $ 120,000
Licking, Ohio 1 $ 115,000 $ 115,000 $ 36,000
Lorain, Ohio 1 $ 85,000 $ 85,000 $ 125,000
Medina, Ohio 1 $ 85,000 $ 85,000 $ 78,000
Montgomery, Ohio 1 $ 85,000 $ 85,000 $ 100,000
Trumbull, Ohio 1 $ 85,000 $ 85,000 $ 0
Creek, Oklahoma 1 $ 125,000 $ 125,000 $ 125,000
Jackson, Oklahoma 1 $ 125,000 $ 125,000 $ 80,000
Rogers, Oklahoma 1 $ 235,000 $ 235,000 $ 99,000
Washington, Oklahoma 1 $ 115,000 $ 115,000 $ 300,000
Woodward, Oklahoma 1 $ 355,000 $ 355,000 $ 75,000
Columbia, Oregon 1 $ 125,000 $ 125,000 $ 1,236,000
Tillamook, Oregon 1 $ 375,000 $ 375,000 $ 80,000
Umatilla, Oregon 1 $ 125,000 $ 125,000 $ 850,000
Beaver, Pennsylvania 1 $ 195,000 $ 195,000 $ 250,000
Cumberland, Pennsylvania 1 $ 135,000 $ 135,000 $ 300,000
Westmoreland, Pennsylvania 1 $ 75,000 $ 75,000 $ 80,000
Charleston, South Carolina 1 $ 345,000 $ 345,000 $ 150,000
Dorchester, South Carolina 1 $ 335,000 $ 335,000 $ 100,000
Lexington, South Carolina 1 $ 175,000 $ 175,000 $ 0
York, South Carolina 1 $ 135,000 $ 135,000 $ 100,000
Blount, Tennessee 1 $ 135,000 $ 135,000 $ 800,000
Bradley, Tennessee 1 $ 205,000 $ 205,000 $ 536,000
Carter, Tennessee 1 $ 175,000 $ 175,000 $ 250,000
Cocke, Tennessee 1 $ 125,000 $ 125,000 $ 100,000
Greene, Tennessee 1 $ 145,000 $ 145,000 $ 140,000
Jefferson, Tennessee 1 $ 195,000 $ 195,000 $ 45,000
Maury, Tennessee 1 $ 235,000 $ 235,000 $ 240,000
Montgomery, Tennessee 1 $ 175,000 $ 175,000 $ 300,000
Putnam, Tennessee 1 $ 345,000 $ 345,000 $ 108,000
Robertson, Tennessee 1 $ 5,000 $ 5,000 $ 150,000
Bastrop, Texas 1 $ 185,000 $ 185,000 $ 200,000
Bowie, Texas 1 $ 195,000 $ 195,000 $ 300,000
Brazoria, Texas 1 $ 205,000 $ 205,000 $ 160,000
Brazos, Texas 1 $ 135,000 $ 135,000 $ 275,000
Ellis, Texas 1 $ 375,000 $ 375,000 $ 250,000
Fort Bend, Texas 1 $ 545,000 $ 545,000 $ 325,000
Grayson, Texas 1 $ 135,000 $ 135,000 $ 115,000
Henderson, Texas 1 $ 85,000 $ 85,000 $ 120,000
Hunt, Texas 1 $ 85,000 $ 85,000 $ 150,000
Johnson, Texas 1 $ 165,000 $ 165,000 $ 100,000
Lamar, Texas 1 $ 125,000 $ 125,000 $ 200,000
Matagorda, Texas 1 $ 185,000 $ 185,000 $ 150,000
Maverick, Texas 1 $ 125,000 $ 125,000 $ 100,000
Montague, Texas 1 $ 115,000 $ 115,000 $ 205,000
Randall, Texas 1 $ 125,000 $ 125,000 $ 300,000
Taylor, Texas 1 $ 105,000 $ 105,000 $ 150,000
Wichita, Texas 1 $ 195,000 $ 195,000 $ 105,000
Loudoun, Virginia 1 $ 5,000 $ 5,000 $ 0
Norfolk, Virginia 1 $ 415,000 $ 415,000 $ 139,000
Benton, Washington 1 $ 305,000 $ 305,000 $ 150,000
Pacific, Washington 1 $ 135,000 $ 135,000 $ 85,000
Spokane, Washington 1 $ 205,000 $ 205,000 $ 98,000
Whatcom, Washington 1 $ 425,000 $ 425,000 $ 150,000
Dane, Wisconsin 1 $ 345,000 $ 345,000 $ 120,000
Racine, Wisconsin 1 $ 215,000 $ 215,000 $ 0
Rock, Wisconsin 1 $ 155,000 $ 155,000 $ 0
Waukesha, Wisconsin 1 $ 435,000 $ 435,000 $ 130,000

Mortgage Loan Application Detail Totals for Rain City Capital, LLC in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Other Purpose 3,585 $984,245,000 $274,000 $11,005,000 $270,000 $6,000,000
Refinancing 0 $0 $0 $0 $0 $0
Cash-out Refinancing 0 $0 $0 $0 $0 $0
Home Improvement 0 $0 $0 $0 $0 $0
Home Purchase 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not Provided 1,825 $462,175,000 $253,000 $11,005,000 $250,000 $1,900,000
White 1,000 $318,590,000 $318,000 $3,465,000 $317,000 $6,000,000
Hispanic 341 $86,135,000 $252,000 $1,765,000 $252,000 $3,000,000
Asian 227 $76,545,000 $337,000 $3,075,000 $210,000 $1,000,000
Black or African American 153 $30,785,000 $201,000 $745,000 $183,000 $1,000,000
American Indian or Alaskan Native 30 $7,980,000 $266,000 $1,075,000 $305,000 $500,000
Native Hawaiian or Other Pacific Islander 9 $2,035,000 $226,000 $595,000 $226,000 $500,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 3,585 $984,245,000 $274,000 $11,005,000 $270,000 $6,000,000
FHA-insured (Federal Housing Administration) 0 $0 $0 $0 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 2,118 $653,160,000 $308,000 $3,465,000 $282,000 $6,000,000
Application Denied By Financial Institution 1,467 $331,085,000 $225,000 $11,005,000 $236,000 $1,500,000
Application Withdrawn By Applicant 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 2,118 $653,160,000 $308,000 $3,465,000 $282,000 $6,000,000
Insufficient Cash (Downpayment, Closing Cost) 1,467 $331,085,000 $225,000 $11,005,000 $236,000 $1,500,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Other 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0
Collateral 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Credit History 0 $0 $0 $0 $0 $0
Debt-To-Income Ratio 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Rain City Capital, LLC's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Rain City Capital, LLC's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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