Highlands Residential Mortgage in California vs the state
10.0%Denial rate-7.42 pts vs state
14.3%Decision denial rate-8.11 pts vs state
50.0%Origination rate-6.20 pts vs state
7.13%Median rate+0.50 pts vs state
0.51Rate spread (pts)+0.24 pts vs state
$231kMedian applicant income
5Loans originated
1Denied
Trend in California
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 3 | 0.0% | 7.50% | #774 |
| 2024 | 14 | 10 | 0.0% | 6.63% | #674 |
| 2025 | 10 | 5 | 10.0% | 7.13% | #736 |
What Highlands Residential Mortgage lends in California
By loan purpose
By loan type
Why it denied California applicants
Where in California
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 4 | 2 | 1 | 25.0% |
| Contra Costa County | 2 | 2 | 0 | 0.0% |
| Madera County | 1 | 0 | 0 | 0.0% |
| San Joaquin County | 1 | 0 | 0 | 0.0% |
| Riverside County | 1 | 1 | 0 | 0.0% |
| Marin County | 1 | 0 | 0 | 0.0% |
Other large lenders in California
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 79,261 | 12.6% | 6.49% |
| Rocket Mortgage | C | 58,925 | 17.6% | 6.75% |
| Bank of America | F | 40,190 | 30.8% | 5.99% |
| U.S. Bank | D | 32,493 | 31.6% | 6.50% |
| JPMorgan Chase Bank | B | 22,048 | 9.7% | 6.13% |
| Spring Eq | D | 21,601 | 50.8% | 8.88% |
| Schoolsfirst | A | 19,086 | 10.0% | 6.25% |
| Pennymac Loan Services | C | 18,754 | 13.5% | 6.50% |
| Newrez | D | 17,000 | 19.3% | 6.63% |
| Loandepot.Com | D | 16,645 | 18.7% | 6.63% |
Frequently asked questions
California: 10 applications in 2025, of which 5 were originated and 1 denied.
10.0% of all applications, or 14.3% of the applications it actually decided on. The California statewide average across all lenders was 17.4%.
The median rate on loans Highlands Residential Mortgage originated in California in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Highlands Residential Mortgage's own HMDA filing for properties located in California, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology