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Highland Homeloans, LLC

Independent Mortgage Company•WILMINGTON, DE•Direct to Consumer

We analyzed every closed loan from Highland Homeloans — 510 loans across 592 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
Conventional
Place
Strong
Regional · 6 mkts
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar

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Report Card

Highland Homeloans, LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
Rates 31.8 bps below market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional6 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Sound
Strong
50398.6%
-0.328%Below
$3,919Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Strong
Sound
Strong
50899.6%
-0.318%Below
$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
States Served
2
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

FLTX

Top Metro Areas by Place Specialization Score

1
Dallas, TXMSA
Volume: 231Mix: 45.29%of portfolio
Place
Strong
2
Sherman, TXMSA
Volume: 30Mix: 5.88%of portfolio
Place
Strong
3
Austin, TXMSA
Volume: 79Mix: 15.49%of portfolio
Place
Strong
4
Houston, TXMSA
Volume: 107Mix: 20.98%of portfolio
Place
Strong
5
San Antonio, TXMSA
Volume: 47Mix: 9.22%of portfolio
Place
Sound
6
Fort Worth, TXMSA
Volume: 15Mix: 2.94%of portfolio
Place
Sound

Top States by Place Specialization Score

1
TXState
Volume: 509Mix: 99.80%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.