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(HMDA) records Rain City Capital, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 2,846 | $ 764,690,000 | $ 268,689 | $ 284,558 |
| Portland-Vancouver-Hillsboro, OR-WA | 40 | $ 14,150,000 | $ 353,750 | $ 251,000 |
| Oklahoma City, OK | 39 | $ 6,485,000 | $ 166,282 | $ 220,000 |
| Houston-The Woodlands-Sugar Land, TX | 35 | $ 10,545,000 | $ 301,285 | $ 156,000 |
| St. Petersburg-Clearwater-Largo, FL | 32 | $ 10,760,000 | $ 336,250 | $ 221,000 |
| Seattle-Bellevue-Everett, WA | 31 | $ 22,545,000 | $ 727,258 | $ 223,000 |
| Dallas-Plano-Irving, TX | 29 | $ 7,235,000 | $ 249,482 | $ 205,000 |
| St. Louis, MO-IL | 26 | $ 3,980,000 | $ 153,076 | $ 130,000 |
| Austin-Round Rock, TX | 25 | $ 11,445,000 | $ 457,800 | $ 309,000 |
| Atlanta-Sandy Springs-Roswell, GA | 24 | $ 7,600,000 | $ 316,666 | $ 400,000 |
| Cleveland, OH | 24 | $ 3,110,000 | $ 129,583 | $ 164,000 |
| Tampa, FL | 23 | $ 6,535,000 | $ 284,130 | $ 274,000 |
| Tulsa, OK | 22 | $ 3,280,000 | $ 149,090 | $ 173,000 |
| Everett, WA | 20 | $ 15,320,000 | $ 766,000 | $ 270,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 17 | $ 9,415,000 | $ 553,823 | $ 183,000 |
| Tacoma-Lakewood, WA | 14 | $ 4,990,000 | $ 356,428 | $ 284,000 |
| Kansas City, MO-KS | 12 | $ 1,630,000 | $ 135,833 | $ 264,000 |
| Killeen-Temple, TX | 12 | $ 1,520,000 | $ 126,666 | $ 334,000 |
| San Antonio-New Braunfels, TX | 12 | $ 4,170,000 | $ 347,500 | $ 757,000 |
| Denver-Aurora-Lakewood, CO | 11 | $ 4,165,000 | $ 378,636 | $ 165,000 |
| Knoxville, TN | 11 | $ 1,985,000 | $ 180,454 | $ 230,000 |
| Jacksonville, FL | 10 | $ 1,250,000 | $ 125,000 | $ 200,000 |
| Salem, OR | 10 | $ 2,720,000 | $ 272,000 | $ 266,000 |
| Columbus, OH | 9 | $ 1,335,000 | $ 148,333 | $ 200,000 |
| Fort Worth-Arlington, TX | 9 | $ 1,795,000 | $ 199,444 | $ 208,000 |
| Lubbock, TX | 9 | $ 1,285,000 | $ 142,777 | $ 455,000 |
| Bremerton-Silverdale, WA | 8 | $ 2,630,000 | $ 328,750 | $ 211,000 |
| Little Rock-North Little Rock-Conway, AR | 8 | $ 820,000 | $ 102,500 | $ 339,000 |
| Birmingham-Hoover, AL | 7 | $ 795,000 | $ 113,571 | $ 193,000 |
| Raleigh, NC | 7 | $ 2,075,000 | $ 296,428 | $ 227,000 |
| Chattanooga, TN-GA | 6 | $ 1,420,000 | $ 236,666 | $ 360,000 |
| Macon-Bibb County, GA | 6 | $ 740,000 | $ 123,333 | $ 333,000 |
| Memphis, TN-MS-AR | 6 | $ 890,000 | $ 148,333 | $ 133,000 |
| Fayetteville, NC | 5 | $ 805,000 | $ 161,000 | $ 184,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 5 | $ 1,185,000 | $ 237,000 | $ 142,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 1,275,000 | $ 255,000 | $ 243,000 |
| Akron, OH | 4 | $ 370,000 | $ 92,500 | $ 197,000 |
| Bend-Redmond, OR | 4 | $ 1,210,000 | $ 302,500 | $ 127,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 4 | $ 770,000 | $ 192,500 | $ 91,000 |
| Durham-Chapel Hill, NC | 4 | $ 820,000 | $ 205,000 | $ 285,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 500,000 | $ 125,000 | $ 120,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 2,360,000 | $ 590,000 | $ 295,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 1,800,000 | $ 450,000 | $ 167,000 |
| Olympia-Tumwater, WA | 4 | $ 1,510,000 | $ 377,500 | $ 391,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 2,020,000 | $ 505,000 | $ 217,000 |
| Amarillo, TX | 3 | $ 255,000 | $ 85,000 | $ 533,000 |
| Canton-Massillon, OH | 3 | $ 325,000 | $ 108,333 | $ 330,000 |
| Charlotte-Concord-Gastonia, NC-SC | 3 | $ 915,000 | $ 305,000 | $ 166,666 |
| Cincinnati, OH-KY-IN | 3 | $ 715,000 | $ 238,333 | $ 242,000 |
| Greensboro-High Point, NC | 3 | $ 365,000 | $ 121,666 | $ 175,000 |
| Kahului-Wailuku-Lahaina, HI | 3 | $ 7,875,000 | $ 2,625,000 | $ 0 |
| Lake County-Porter County-Jasper County, IN | 3 | $ 435,000 | $ 145,000 | $ 140,000 |
| Longview, TX | 3 | $ 335,000 | $ 111,666 | $ 193,000 |
| Milwaukee-Waukesha-West Allis, WI | 3 | $ 705,000 | $ 235,000 | $ 130,000 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,085,000 | $ 361,666 | $ 390,000 |
| Toledo, OH | 3 | $ 285,000 | $ 95,000 | $ 156,000 |
| Tyler, TX | 3 | $ 525,000 | $ 175,000 | $ 190,000 |
| Albany, GA | 2 | $ 340,000 | $ 170,000 | $ 200,000 |
| Albany, OR | 2 | $ 450,000 | $ 225,000 | $ 242,000 |
| Beaumont-Port Arthur, TX | 2 | $ 240,000 | $ 120,000 | $ 133,000 |
| Charleston-North Charleston, SC | 2 | $ 680,000 | $ 340,000 | $ 125,000 |
| Corpus Christi, TX | 2 | $ 190,000 | $ 95,000 | $ 87,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 350,000 | $ 175,000 | $ 102,000 |
| Eugene, OR | 2 | $ 630,000 | $ 315,000 | $ 115,000 |
| Goldsboro, NC | 2 | $ 250,000 | $ 125,000 | $ 142,000 |
| Jackson, TN | 2 | $ 310,000 | $ 155,000 | $ 60,000 |
| Jefferson City, MO | 2 | $ 230,000 | $ 115,000 | $ 150,000 |
| Longview, WA | 2 | $ 190,000 | $ 95,000 | $ 155,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Marietta, GA | 2 | $ 440,000 | $ 220,000 | $ 350,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Newark, NJ-PA | 2 | $ 1,270,000 | $ 635,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 350,000 | $ 175,000 | $ 132,000 |
| Pittsburgh, PA | 2 | $ 270,000 | $ 135,000 | $ 165,000 |
| Port St. Lucie, FL | 2 | $ 450,000 | $ 225,000 | $ 190,000 |
| Rocky Mount, NC | 2 | $ 240,000 | $ 120,000 | $ 165,000 |
| Rome, GA | 2 | $ 210,000 | $ 105,000 | $ 200,000 |
| Texarkana, TX-AR | 2 | $ 400,000 | $ 200,000 | $ 300,000 |
| Victoria, TX | 2 | $ 290,000 | $ 145,000 | $ 119,000 |
| Waco, TX | 2 | $ 240,000 | $ 120,000 | $ 108,000 |
| Abilene, TX | 1 | $ 105,000 | $ 105,000 | $ 150,000 |
| Arlington-Alexandria-Reston, VA-WV | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Baton Rouge, LA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Bellingham, WA | 1 | $ 425,000 | $ 425,000 | $ 150,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 1,245,000 | $ 1,245,000 | $ 0 |
| Chicago-Naperville, IL | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 175,000 | $ 175,000 | $ 300,000 |
| Cleveland, TN | 1 | $ 205,000 | $ 205,000 | $ 536,000 |
| College Station-Bryan, TX | 1 | $ 135,000 | $ 135,000 | $ 275,000 |
| Columbia, SC | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 505,000 | $ 505,000 | $ 320,000 |
| Decatur, AL | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Dothan, AL | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Eagle Pass, TX | 1 | $ 125,000 | $ 125,000 | $ 100,000 |
| Evansville, IN-KY | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 265,000 | $ 265,000 | $ 325,000 |
| Fort Wayne, IN | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Gainesville, GA | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Grand Junction, CO | 1 | $ 275,000 | $ 275,000 | $ 230,000 |
| Greenville, NC | 1 | $ 125,000 | $ 125,000 | $ 36,000 |
| Harrisburg-Carlisle, PA | 1 | $ 135,000 | $ 135,000 | $ 300,000 |
| Huntsville, AL | 1 | $ 265,000 | $ 265,000 | $ 100,000 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Janesville-Beloit, WI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Johnson City, TN | 1 | $ 175,000 | $ 175,000 | $ 250,000 |
| Jonesboro, AR | 1 | $ 75,000 | $ 75,000 | $ 90,000 |
| Kennewick-Richland, WA | 1 | $ 305,000 | $ 305,000 | $ 150,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Kokomo, IN | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Madison, WI | 1 | $ 345,000 | $ 345,000 | $ 120,000 |
| Montgomery, AL | 1 | $ 85,000 | $ 85,000 | $ 222,000 |
| Morristown, TN | 1 | $ 195,000 | $ 195,000 | $ 45,000 |
| Muncie, IN | 1 | $ 105,000 | $ 105,000 | $ 100,000 |
| Nassau County-Suffolk County, NY | 1 | $ 2,315,000 | $ 2,315,000 | $ 0 |
| Ocala, FL | 1 | $ 115,000 | $ 115,000 | $ 110,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Racine, WI | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Savannah, GA | 1 | $ 5,000 | $ 5,000 | $ 220,000 |
| Sherman-Denison, TX | 1 | $ 135,000 | $ 135,000 | $ 115,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 115,000 | $ 115,000 | $ 200,000 |
| Spokane-Spokane Valley, WA | 1 | $ 205,000 | $ 205,000 | $ 98,000 |
| Springfield, MO | 1 | $ 385,000 | $ 385,000 | $ 200,000 |
| Tallahassee, FL | 1 | $ 585,000 | $ 585,000 | $ 320,000 |
| Tucson, AZ | 1 | $ 305,000 | $ 305,000 | $ 100,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 415,000 | $ 415,000 | $ 139,000 |
| Washington, DC-MD | 1 | $ 5,000 | $ 5,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 195,000 | $ 195,000 | $ 105,000 |
| Wilmington, NC | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Winston-Salem, NC | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 85,000 | $ 85,000 | $ 0 |
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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