ABL RPC Residential Credit Acquisition at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
10th22.2% deniedProcesswithdrawn + incomplete share, weight 15%
46th6.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,589 | 1,021 | 15.5% | 16.3% | 11.75% | $431M |
| 2024 | 2,055 | 1,371 | 18.3% | 19.1% | 10.25% | $642M |
| 2025 | 1,820 | 1,189 | 20.8% | 22.2% | 10.13% | $668M |
What ABL RPC Residential Credit Acquisition lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1,820 investment properties.
Why ABL RPC Residential Credit Acquisition denies applications
Primary reason reported for each of the 379 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Where ABL RPC Residential Credit Acquisition lends
38 states and 348 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Jersey | 340 | 262 | 14.4% | 10.25% | #149 |
| Tennessee | 161 | 132 | 5.0% | 10.50% | #244 |
| Texas | 144 | 94 | 21.5% | 9.99% | #480 |
| Pennsylvania | 137 | 71 | 25.6% | 7.88% | #335 |
| New York | 130 | 68 | 30.8% | 9.00% | #243 |
| Florida | 108 | 69 | 20.4% | 11.75% | #468 |
| South Carolina | 102 | 70 | 16.7% | 12.13% | #256 |
| North Carolina | 94 | 57 | 31.9% | 11.50% | #329 |
| Massachusetts | 82 | 61 | 20.7% | 10.00% | #268 |
| Georgia | 65 | 31 | 38.5% | 10.25% | #406 |
| Ohio | 57 | 34 | 29.8% | 7.69% | #391 |
| Illinois | 53 | 40 | 9.4% | 11.00% | #452 |
| New Mexico | 45 | 28 | 22.2% | 9.75% | #161 |
| Connecticut | 36 | 26 | 11.1% | 11.63% | #238 |
| New Hampshire | 32 | 23 | 15.6% | 11.00% | #158 |
| Maryland | 31 | 18 | 22.6% | 7.81% | #367 |
| Indiana | 30 | 19 | 20.0% | 10.75% | #410 |
| Virginia | 24 | 9 | 29.2% | 7.38% | #468 |
| Michigan | 17 | 10 | 17.7% | 9.63% | #462 |
| Missouri | 15 | 7 | 20.0% | 7.63% | #471 |
| Washington | 15 | 10 | 20.0% | 12.25% | #422 |
| Rhode Island | 14 | 4 | 42.9% | 11.63% | #168 |
| Wisconsin | 13 | 8 | 23.1% | 10.12% | #460 |
| Alabama | 12 | 7 | 41.7% | 9.99% | #455 |
| California | 11 | 5 | 45.5% | 10.50% | #717 |
| Louisiana | 7 | 4 | 42.9% | 7.56% | #402 |
| Delaware | 6 | 5 | 16.7% | 7.25% | #298 |
| Maine | 6 | 4 | 33.3% | 10.25% | #262 |
| Minnesota | 5 | 3 | 40.0% | 7.38% | #542 |
Frequently asked questions
ABL RPC Residential Credit Acquisition denied 22.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 10th percentile of investment-property lenders.
The most common reason ABL RPC Residential Credit Acquisition gave in 2025 was "incomplete application", cited on 52.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans ABL RPC Residential Credit Acquisition originated in 2025 was 10.13%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 10% of its applications were for home purchases, 35% for refinancing (including cash-out), and 54% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.