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HIGHLANDS RESIDENTIAL MORTGAGE, LTD.
Independent Mortgage Company|Dallas, TX|Near-National
Loans Originated
5,983
Applications
8,145
Volume
$2 billion
Offers loans directly to consumers
Overall Pricing
Mediocre
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.452%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$3,926
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
73.5%
Percentage of applications that result in closed loans
Safe Rate's 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
Report Card
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Mediocre | Below peers | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Exceptional | Market Leader | |
VA | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Near-National · 50 metro areas · 31 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$347,084
Average Borrower Income
$149,486
Average Property Value
$431,686
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 3,505 | 58.6% | +0.374% | $3,938 |
FHA Loans | Sound | Exceptional | Mediocre | Exceptional | 1,797 | 30.0% | +0.721% | $4,111 |
VA Loans | Sound | Exceptional | Acceptable | Strong | 475 | 7.9% | -0.196% | $3,240 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 96 | 1.6% | +0.442% | $2,542 |
USDA Loans | Sound | Exceptional | Mediocre | Strong | 110 | 1.8% | +0.492% | $2,964 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Exceptional | Mediocre | Strong | 5,563 | 93.0% | +0.461% | $3,953 |
Refinance | Sound | Strong | Acceptable | Sound | 420 | 7.0% | +0.354% | $3,619 |
Geographic Coverage
Metro Areas
49
States Served
31
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
ALARAZCACODCFLGAIDILINKSKYLAMDMIMOMSMTNCNMNVOHOKORPASCTNTXVAWA
Top Metro Areas by Place Specialization Score
1
Midland, TX, TXMSA
Volume: 262Mix: 4.38%
Place Specialization
Exceptional
2
Winston, NCMSA
Volume: 265Mix: 4.43%
Place Specialization
Exceptional
3
Dallas, TXMSA
Volume: 837Mix: 13.99%
Place Specialization
Exceptional
4
Texarkana, TX, TX-ARMSA
Volume: 77Mix: 1.29%
Place Specialization
Exceptional
5
Greensboro, NCMSA
Volume: 238Mix: 3.98%
Place Specialization
Exceptional
6
Fort Worth, TXMSA
Volume: 373Mix: 6.23%
Place Specialization
Exceptional
7
Chattanooga, TN, TN-GAMSA
Volume: 142Mix: 2.37%
Place Specialization
Strong
8
Little Rock, ARMSA
Volume: 144Mix: 2.41%
Place Specialization
Strong
9
Fort Smith, AR, AR-OKMSA
Volume: 114Mix: 1.91%
Place Specialization
Strong
10
Jonesboro, AR, ARMSA
Volume: 40Mix: 0.67%
Place Specialization
Strong
Showing 10 of 49 metro areas
Top States by Place Specialization Score
1
TXState
Volume: 2,580Mix: 43.12%
Place Specialization
Exceptional
2
ARState
Volume: 631Mix: 10.55%
Place Specialization
Exceptional
3
NCState
Volume: 975Mix: 16.30%
Place Specialization
Strong
4
TNState
Volume: 399Mix: 6.67%
Place Specialization
Strong
5
WAState
Volume: 199Mix: 3.33%
Place Specialization
Strong
6
FLState
Volume: 360Mix: 6.02%
Place Specialization
Strong
7
IDState
Volume: 140Mix: 2.34%
Place Specialization
Strong
8
COState
Volume: 135Mix: 2.26%
Place Specialization
Strong
9
MIState
Volume: 105Mix: 1.75%
Place Specialization
Sound
10
NVState
Volume: 55Mix: 0.92%
Place Specialization
Sound
Showing 10 of 20 states
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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