# HIGHLANDS RESIDENTIAL MORTGAGE, LTD.

> **Canonical URL:** https://saferate.com/lenders/highlands-residential-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HIGHLANDS RESIDENTIAL MORTGAGE, LTD. is a independent mortgage company, headquartered in Dallas, TX, serving borrowers across 31 states, with 5,983 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 81% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 20% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300KHXD7JSQUZIJ22
- **Headquarters:** Dallas, TX
- **Geographic Reach:** Near-National
- **States Served:** 31
- **State List:** AL, AR, AZ, CA, CO, DC, FL, GA, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, MT, NC, NM, NV, OH, OK, OR, PA, SC, TN, TX, VA, WA
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 80/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.452%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,926
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 5,983
- **Dollar Volume:** $2.1 billion
- **Applications Received:** 8,145
- **Market Share:** 17.00%

## Typical Borrower Profile

- **Average Loan Amount:** $347,084
- **Average Borrower Income:** $149,486
- **Average Property Value:** $431,686

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (62%)
- ⭐ **VA Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 83/100 | 3,505 | +0.374% | $3,938 | Exceptional 🤩 |
| FHA | 87/100 | 1,797 | +0.721% | $4,111 | Exceptional 🤩 |
| VA | 80/100 | 475 | -0.196% | $3,240 | Exceptional 🤩 |
| Jumbo | 78/100 | 96 | +0.442% | $2,542 | Strong 😀 |
| USDA | 86/100 | 110 | +0.492% | $2,964 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 3,183 loans, Score: 83/100 (Exceptional)
- Refinance: 322 loans, Score: 67/100 (Strong)

**FHA:**
- Purchase: 1,735 loans, Score: 87/100 (Exceptional)
- Refinance: 62 loans, Score: 76/100 (Strong)

**VA:**
- Purchase: 461 loans, Score: 81/100 (Exceptional)

**Jumbo:**
- Purchase: 74 loans, Score: 78/100 (Strong)
- Refinance: 22 loans, Score: 78/100 (Strong)

**USDA:**
- Purchase: 110 loans, Score: 87/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 86/100 | 5,563 | $1.9B | +0.461% | Exceptional 🤩 |
| Refinance | 69/100 | 420 | $155M | +0.354% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 2,580 | 0.74% | 88/100 |
| NC | 975 | 0.66% | 79/100 |
| AR | 631 | 1.96% | 83/100 |
| TN | 399 | 0.44% | 75/100 |
| FL | 360 | 0.12% | 65/100 |
| WA | 199 | 0.23% | 68/100 |
| ID | 140 | 0.52% | 64/100 |
| CO | 135 | 0.16% | 61/100 |
| MI | 105 | 0.09% | 57/100 |
| IN | 69 | 0.08% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 844 | 74/100 |
| Dallas | TX | 837 | 86/100 |
| Fort Worth | TX | 373 | 83/100 |
| Houston | TX | 345 | 74/100 |
| Winston | NC | 265 | 87/100 |
| Midland, TX | TX | 262 | 98/100 |
| Greensboro | NC | 238 | 83/100 |
| Nashville | TN | 207 | 74/100 |
| Little Rock | AR | 144 | 78/100 |
| Chattanooga, TN | TN-GA | 142 | 79/100 |
| Charlotte | NC-SC | 129 | 66/100 |
| Fort Smith, AR | AR-OK | 114 | 74/100 |
| San Antonio | TX | 114 | 63/100 |
| Fort Lauderdale | FL | 102 | 64/100 |
| Fayetteville | AR | 101 | 67/100 |

## Where This Lender Ranks

HIGHLANDS RESIDENTIAL MORTGAGE, LTD. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Texarkana, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Fort Smith, AR for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Fayetteville for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Texarkana, TX for USDA Loans
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Texarkana, TX for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#4** in Fort Smith, AR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Texarkana, TX for Conventional Loans
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Texarkana, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Midland, TX for VA Loans
  - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Midland, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Fort Smith, AR for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#5** in Fort Smith, AR for USDA Loans
  - [View Full Rankings](https://saferate.com/fort-smith-ar/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in Texarkana, TX for VA Loans
  - [View Full Rankings](https://saferate.com/texarkana-tx/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Jonesboro, AR for USDA Loans
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/usda-loans)
- 🏆 **#5** in Jonesboro, AR for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#6** in Midland, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/midland-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Idaho Falls, ID for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/idaho-falls-id/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Fayetteville for USDA Loans
  - [View Full Rankings](https://saferate.com/fayetteville/best-mortgage-lenders/usda-loans)
- 🏆 **#7** in Odessa, TX for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/odessa-tx/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#7** in Jonesboro, AR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/jonesboro-ar/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does HIGHLANDS RESIDENTIAL MORTGAGE, LTD. offer?

HIGHLANDS RESIDENTIAL MORTGAGE, LTD. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HIGHLANDS RESIDENTIAL MORTGAGE, LTD. offer mortgages?

HIGHLANDS RESIDENTIAL MORTGAGE, LTD. offers mortgages in 31 states: AL, AR, AZ, CA, CO, DC, FL, GA, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, MT, NC, NM, NV, OH, OK, OR, PA, SC, TN, TX, VA, WA.

### How competitive are HIGHLANDS RESIDENTIAL MORTGAGE, LTD.'s mortgage rates?

HIGHLANDS RESIDENTIAL MORTGAGE, LTD. has a pricing score of 19/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.452% above market average.

### What type of lender is HIGHLANDS RESIDENTIAL MORTGAGE, LTD.?

HIGHLANDS RESIDENTIAL MORTGAGE, LTD. is a non-depository lender that specializes in mortgage origination, headquartered in Dallas, TX.

### What is HIGHLANDS RESIDENTIAL MORTGAGE, LTD.'s loan approval success rate?

HIGHLANDS RESIDENTIAL MORTGAGE, LTD. has a pull-through score of 80/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/highlands-residential-mortgage

### How to Cite

> "HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/highlands-residential-mortgage

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