Highlands Residential Mortgage in Michigan vs the state
2.4%Denial rate-16.11 pts vs state
3.1%Decision denial rate-19.53 pts vs state
74.1%Origination rate+14.21 pts vs state
6.75%Median rate0.00 pts vs state
0.46Rate spread (pts)+0.06 pts vs state
$104kMedian applicant income
123Loans originated
4Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 204 | 159 | 3.4% | 6.99% | #177 |
| 2024 | 160 | 127 | 0.6% | 6.99% | #221 |
| 2025 | 166 | 123 | 2.4% | 6.75% | #228 |
What Highlands Residential Mortgage lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Livingston County | 58 | 46 | 0 | 0.0% |
| Wayne County | 25 | 17 | 0 | 0.0% |
| Oakland County | 23 | 18 | 0 | 0.0% |
| Washtenaw County | 11 | 8 | 0 | 0.0% |
| Genesee County | 11 | 10 | 1 | 9.1% |
| Ingham County | 8 | 6 | 0 | 0.0% |
| Shiawassee County | 6 | 4 | 0 | 0.0% |
| Monroe County | 5 | 2 | 2 | 40.0% |
| Jackson County | 3 | 2 | 0 | 0.0% |
| Macomb County | 2 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 166 applications in 2025, of which 123 were originated and 4 denied.
2.4% of all applications, or 3.1% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
The median rate on loans Highlands Residential Mortgage originated in Michigan in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Highlands Residential Mortgage's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology