Redwood Residential Acquisition at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
96th0.7% deniedPricingmedian rate spread over APOR, weight 30%
47th0.29 ptsProcesswithdrawn + incomplete share, weight 15%
91st1.6%Closing coststotal loan costs ÷ loan amount, weight 10%
87th0.92% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 85 | 59 | 25.9% | 27.2% | 7.25% | $68M |
| 2024 | 167 | 113 | 24.0% | 24.7% | 7.00% | $142M |
| 2025 | 306 | 297 | 0.7% | 0.7% | 6.88% | $292M |
What Redwood Residential 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, 71 investment properties.
Why Redwood Residential Acquisition denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Redwood Residential Acquisition
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 29 | 29 | 0.0% |
| Over $250k | 197 | 189 | 1.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 41 | 41 | 0.0% |
| 35–44 | 103 | 100 | 0.0% |
| 45–54 | 89 | 86 | 1.1% |
| 55–64 | 53 | 51 | 1.9% |
Where Redwood Residential Acquisition lends
36 states and 172 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 45 | 44 | 0.0% | 6.88% | #535 |
| Texas | 34 | 32 | 2.9% | 7.00% | #779 |
| Florida | 26 | 24 | 3.9% | 6.94% | #714 |
| Arizona | 19 | 19 | 0.0% | 6.88% | #422 |
| Massachusetts | 18 | 18 | 0.0% | 6.75% | #421 |
| Washington | 17 | 16 | 0.0% | 6.88% | #404 |
| Georgia | 15 | 15 | 0.0% | 7.25% | #612 |
| Tennessee | 14 | 14 | 0.0% | 7.00% | #584 |
| Colorado | 13 | 13 | 0.0% | 6.50% | #472 |
| Illinois | 12 | 12 | 0.0% | 7.25% | #653 |
| North Carolina | 11 | 10 | 0.0% | 6.69% | #613 |
| New Jersey | 11 | 11 | 0.0% | 7.38% | #525 |
| Minnesota | 8 | 8 | 0.0% | 6.44% | #498 |
| South Carolina | 8 | 8 | 0.0% | 6.81% | #569 |
| Utah | 6 | 6 | 0.0% | 6.88% | #326 |
| Montana | 5 | 5 | 0.0% | 6.75% | #242 |
| Oregon | 5 | 5 | 0.0% | 7.25% | #436 |
Frequently asked questions
Redwood Residential Acquisition denied 0.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 96th percentile of small mortgage lenders.
The most common reason Redwood Residential Acquisition gave in 2025 was "collateral", cited on 50.0% 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 Redwood Residential Acquisition originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.29 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 62% of its applications were for home purchases, 38% for refinancing (including cash-out), and 0% 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.