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Highlands Residential Mortgage

Independent Mortgage Company•Dallas, TXHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Highlands Residential Mortgage — 6.0k loans across 8k 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
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo · USDA
Place
Strong
4/5
Near-National · 49 mkts
Safe Rate Awards
FHA Superstar
FHA
Superstar
VA Superstar
VA
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
  • Nationwide availability with consistent service

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Highlands Residential Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+45.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Exceptional
Top 20% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Exceptional
Top 20% of lenders
Jumbo
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Exceptional
Top 20% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 50 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume3,505
Mix58.6%
Spread
+0.374%Above
Fees
$3,938Fees
FHA Loans
Overall
Strong
Product
Exceptional
Pricing
Mediocre
Pull Through
Exceptional
Volume1,797
Mix30.0%
Spread
+0.721%Above
Fees
$4,111Fees
VA Loans
Overall
Strong
Product
Exceptional
Pricing
Acceptable
Pull Through
Strong
Volume475
Mix7.9%
Spread
-0.196%Below
Fees
$3,240Fees
Jumbo Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume96
Mix1.6%
Spread
+0.442%Above
Fees
$2,542Fees
USDA Loans
Overall
Sound
Product
Exceptional
Pricing
Mediocre
Pull Through
Strong
Volume110
Mix1.8%
Spread
+0.492%Above
Fees
$2,964Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Exceptional
Pricing
Mediocre
Pull Through
Strong
Volume5,563
Mix93.0%
Spread
+0.461%Above
Fees
$3,953Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Sound
Volume420
Mix7.0%
Spread
+0.354%Above
Fees
$3,619Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
5,983
Applications
8,145
Volume
$2 billion
Pricing & Closing
Avg Rate Spread
+0.452%
vs. market APOR
Avg Net Fees
$3,926
Origination − Credits
Pullthrough Rate
73.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$347,084
Avg Borrower Income
$149,486
Avg Property Value
$431,686

Geographic Coverage

Geographic Performance

Metro Areas
49
markets with activity
States Served
31
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

31
31 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest6
ILINKSMIMOOH
South15
ALARDCFLGAKYLAMDMSNCOKSCTNTXVA
West9
AZCACOIDMTNMNVORWA

Top Metro Areas by Place Specialization Score

1© Quintin Soloviev · CC BY 4.0
Midland, TXMetro
Volume 262Mix 4.38% of portfolio
98/100
Exceptional
2© DiscoA340 · CC BY-SA 4.0
Winston, NCMetro
Volume 265Mix 4.43% of portfolio
87/100
Exceptional
3© Michael Barera · CC BY-SA 4.0
Dallas, TXMetro
Volume 837Mix 13.99% of portfolio
86/100
Exceptional
4© No machine-readable author provided. Billy Hathorn assumed · CC BY-SA 3.0
Texarkana, TX, TX-ARMetro
Volume 77Mix 1.29% of portfolio
86/100
Exceptional
5© Warren LeMay from Cullowhee, NC, United States · CC0
Greensboro, NCMetro
Volume 238Mix 3.98% of portfolio
83/100
Exceptional
6© No machine-readable author provided. Billy Hathorn assumed (based on copyright claims). · CC BY-SA 3.0
Fort Worth, TXMetro
Volume 373Mix 6.23% of portfolio
83/100
Exceptional
7© James Pressley · CC BY-SA 3.0
Chattanooga, TN, TN-GAMetro
Volume 142Mix 2.37% of portfolio
79/100
Strong
8© Thomas R Machnitzki (thomasmachnitzki.com) · CC BY 3.0
Little Rock, ARMetro
Volume 144Mix 2.41% of portfolio
78/100
Strong
9© Brandonrush · CC BY-SA 4.0
Fort Smith, AR, AR-OKMetro
Volume 114Mix 1.91% of portfolio
74/100
Strong
10© Thomas R Machnitzki (thomas@machnitzki.com) · CC BY 3.0
Jonesboro, ARMetro
Volume 40Mix 0.67% of portfolio
74/100
Strong
Showing 10 of 49 metro areas

Top States by Place Specialization Score

Texas
Texas
1
TexasState
Volume 2,580Mix 43.12% of portfolio
88/100
Exceptional
Arkansas
Arkansas
2
ArkansasState
Volume 631Mix 10.55% of portfolio
83/100
Exceptional
North Carolina
North Carolina
3
North CarolinaState
Volume 975Mix 16.30% of portfolio
79/100
Strong
Tennessee
Tennessee
4
TennesseeState
Volume 399Mix 6.67% of portfolio
75/100
Strong
Washington
Washington
5
WashingtonState
Volume 199Mix 3.33% of portfolio
68/100
Strong
Florida
Florida
6
FloridaState
Volume 360Mix 6.02% of portfolio
65/100
Strong
Idaho
Idaho
7
IdahoState
Volume 140Mix 2.34% of portfolio
64/100
Strong
Colorado
Colorado
8
ColoradoState
Volume 135Mix 2.26% of portfolio
61/100
Strong
Michigan
Michigan
9
MichiganState
Volume 105Mix 1.75% of portfolio
57/100
Sound
Nevada
Nevada
10
NevadaState
Volume 55Mix 0.92% of portfolio
56/100
Sound
Showing 10 of 20 states

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.