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Highland Homeloans

Independent Mortgage Company•Wilmington, DEHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Highland Homeloans — 510 loans across 592 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Regional · 6 mkts

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Report Card

Highland Homeloans performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Rates 31.8 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 6 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume503
Mix98.6%
Spread
-0.328%Below
Fees
$3,919Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume508
Mix99.6%
Spread
-0.318%Below
Fees
$3,901Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
510
Applications
592
Volume
$246 million
Pricing & Closing
Avg Rate Spread
-0.318%
vs. market APOR
Avg Net Fees
$3,901
Origination − Credits
Pullthrough Rate
86.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$483,059
Avg Borrower Income
$207,465
Avg Property Value
$638,706

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
South2
FLTX

Top Metro Areas by Place Specialization Score

1© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 231Mix 45.29% of portfolio
78/100
Strong
2© Renelibrary · CC BY-SA 3.0
Sherman, TXMetro
Volume 30Mix 5.88% of portfolio
71/100
Strong
3© Quintin Soloviev · CC BY 4.0
Austin, TXMetro
Volume 79Mix 15.49% of portfolio
69/100
Strong
4© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 107Mix 20.98% of portfolio
67/100
Strong
5© Medialecent · CC BY 4.0
San Antonio, TXMetro
Volume 47Mix 9.22% of portfolio
59/100
Sound
6© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 15Mix 2.94% of portfolio
45/100
Sound

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 509Mix 99.80% of portfolio
78/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.