Highlands Residential Mortgage in Arizona vs the state
3.1%Denial rate-13.15 pts vs state
3.7%Decision denial rate-16.71 pts vs state
70.8%Origination rate+11.29 pts vs state
6.63%Median rate+0.13 pts vs state
0.28Rate spread (pts)+0.06 pts vs state
$110kMedian applicant income
46Loans originated
2Denied
Trend in Arizona
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 133 | 112 | 0.8% | 6.75% | #198 |
| 2024 | 51 | 35 | 3.9% | 7.00% | #299 |
| 2025 | 65 | 46 | 3.1% | 6.63% | #283 |
What Highlands Residential Mortgage lends in Arizona
By loan purpose
By loan type
Why it denied Arizona applicants
Where in Arizona
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Yavapai County | 48 | 36 | 1 | 2.1% |
| Maricopa County | 10 | 7 | 0 | 0.0% |
| Mohave County | 3 | 1 | 1 | 33.3% |
| Cochise County | 2 | 1 | 0 | 0.0% |
| Pinal County | 1 | 0 | 0 | 0.0% |
| Coconino County | 1 | 1 | 0 | 0.0% |
Other large lenders in Arizona
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 25,383 | 10.2% | 6.25% |
| Rocket Mortgage | C | 17,947 | 15.6% | 6.75% |
| Desert Financial Credit Union | B | 16,970 | 24.3% | 6.49% |
| Crosscountry Mortgage | B | 7,570 | 3.8% | 6.58% |
| Fairway Independent Mortgage | B | 6,729 | 5.6% | 6.63% |
| Bank of America | F | 6,229 | 32.2% | 6.24% |
| Loandepot.Com | D | 6,180 | 16.1% | 5.99% |
| Pennymac Loan Services | C | 5,838 | 11.7% | 6.62% |
| Nova Financial & Investment | C | 5,380 | 16.2% | 6.49% |
| Freedom Mortgage | B | 4,991 | 7.0% | 6.00% |
Frequently asked questions
Arizona: 65 applications in 2025, of which 46 were originated and 2 denied.
3.1% of all applications, or 3.7% of the applications it actually decided on. The Arizona statewide average across all lenders was 16.2%.
The median rate on loans Highlands Residential Mortgage originated in Arizona in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Highlands Residential Mortgage's own HMDA filing for properties located in Arizona, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology