Highlands Residential Mortgage Ltd. Rates, Fees & Info
AUSTIN, TXLEI: 549300KHXD7JSQUZIJ22
Tax ID: 75-2269700
3.6 stars - Updated: 4/5/25
-
out of 5 stars, based on 84 reviews
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Highlands Residential Mortgage Ltd. is a small mortgage company specializing in Home Purchase loans. Highlands Residential Mortgage Ltd. has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Dallas, Houston, Miami, Nashville, and Greensboro among others. We have data for 272 markets. (Some data included below & more in-depth data is available with an active subscription.)Highlands Residential Mortgage Ltd. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Highlands Residential Mortgage Ltd. is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.90% | 4/5/25 |
| 30 Year Conventional Refi | 7.00% | 4/5/25 |
| 30 Year Cash-out Refi | 7.21% | 4/5/25 |
| 30 Year FHA Purchase | 7.49% | 4/5/25 |
| 30 Year FHA Refi | 7.17% | 4/5/25 |
| 30 Year VA Purchase | 6.63% | 4/5/25 |
| 30 Year VA Refi | 6.21% | 4/5/25 |
| 30 Year USDA Purchase | 7.21% | 4/5/25 |
| 30 Year USDA Refi | 6.72% | 4/5/25 |
| 15 Year Conventional Purchase | 1.97% | 4/5/25 |
| 15 Year Conventional Refi | 6.01% | 4/5/25 |
| 15 Year Cash-out Refi | 6.01% | 4/5/25 |
| 15 Year VA Refi | 6.00% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Highlands Residential Mortgage Ltd. Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Highlands Residential Mortgage Ltd.. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
6,990Origination Dollar Volume (All Markets)
$2,240,280,000Awards
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HIGHLANDS RESIDENTIAL MORTGAGE LTD. - 2024
HIGHLANDS RESIDENTIAL MORTGAGE LTD. is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Highlands Residential Mortgage Ltd.'s average 30 year fixed mortgage rate was
6.64%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.09%.
Relative Fees (Closing Costs)
Highlands Residential Mortgage Ltd.'s average total fees/closing costs for a 30 year fixed rate
mortgage were $9,455.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1,300 | $524,140,000 | $403,185 | $11,736 | 6.59% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 358 | $118,370,000 | $330,642 | $10,717 | 6.73% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 295 | $100,895,000 | $342,017 | $11,515 | 5.66% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 225 | $97,295,000 | $432,422 | $8,597 | 6.67% |
| Outside of Metro Areas | 311 | $85,255,000 | $274,132 | $9,267 | 6.63% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 269 | $81,505,000 | $302,993 | $7,746 | 6.09% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 338 | $79,610,000 | $235,533 | $7,390 | 5.49% |
| MIDLAND, TX (FHA|USDA|VA) | 270 | $77,820,000 | $288,222 | $11,600 | 6.87% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 112 | $62,840,000 | $561,071 | $11,294 | 6.59% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 151 | $56,435,000 | $373,742 | $6,970 | 6.46% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 106 | $49,490,000 | $466,887 | $6,754 | 6.65% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 118 | $45,520,000 | $385,763 | $11,255 | 6.48% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 167 | $44,915,000 | $268,952 | $7,262 | 6.55% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 163 | $40,725,000 | $249,847 | $7,205 | 6.77% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 122 | $37,370,000 | $306,311 | $5,797 | 6.70% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 88 | $25,750,000 | $292,614 | $12,201 | 6.75% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 147 | $25,025,000 | $170,238 | $6,236 | 6.39% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 129 | $24,125,000 | $187,016 | $7,376 | 5.49% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 92 | $22,980,000 | $249,783 | $5,885 | 6.93% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 48 | $22,200,000 | $462,500 | $12,721 | 6.73% |
| BURLINGTON, NC (FHA|USDA|VA) | 63 | $20,455,000 | $324,683 | $7,056 | 6.28% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 53 | $20,205,000 | $381,226 | $10,139 | 6.44% |
| Port Angeles, WA (FHA|USDA|VA) | 53 | $20,115,000 | $379,528 | $7,782 | 6.85% |
| ASHEVILLE, NC (FHA|USDA|VA) | 66 | $19,700,000 | $298,485 | $8,583 | 6.21% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 73 | $18,915,000 | $259,110 | $5,604 | 6.76% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 86 | $18,790,000 | $218,488 | $8,318 | 6.72% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 61 | $17,105,000 | $280,410 | $11,377 | 5.68% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 41 | $14,565,000 | $355,244 | $10,876 | 6.65% |
| ODESSA, TX (FHA|USDA|VA) | 59 | $14,375,000 | $243,644 | $11,703 | 7.02% |
| WILMINGTON, NC (FHA|USDA|VA) | 43 | $13,865,000 | $322,442 | $6,881 | 6.56% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 49 | $12,915,000 | $263,571 | $8,536 | 6.91% |
| El Dorado, AR (FHA|USDA|VA) | 53 | $12,225,000 | $230,660 | $6,543 | 6.92% |
| TYLER, TX (FHA|USDA|VA) | 42 | $11,740,000 | $279,524 | $11,220 | 6.82% |
| Aberdeen, WA (FHA|USDA|VA) | 44 | $11,510,000 | $261,591 | $10,351 | 5.54% |
| Sandpoint, ID (FHA|USDA|VA) | 29 | $11,405,000 | $393,276 | $9,478 | 6.79% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 27 | $10,825,000 | $400,926 | $8,540 | 6.19% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 44 | $10,700,000 | $243,182 | $9,996 | 6.72% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 30 | $10,430,000 | $347,667 | $6,372 | 7.02% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 51 | $9,685,000 | $189,902 | $7,604 | 5.11% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 29 | $8,945,000 | $308,448 | $10,500 | 6.50% |
| Mount Pleasant, TX (FHA|USDA|VA) | 28 | $8,710,000 | $311,071 | $11,822 | 6.51% |
| JONESBORO, AR (FHA|USDA|VA) | 42 | $8,580,000 | $204,286 | $7,210 | 6.64% |
| Lufkin, TX (FHA|USDA|VA) | 37 | $8,215,000 | $222,027 | $9,439 | 7.01% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 24 | $7,470,000 | $311,250 | $7,424 | 6.66% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 16 | $7,430,000 | $464,375 | $10,808 | 6.58% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 4 | $7,120,000 | $1,780,000 | $18,514 | 7.34% |
| Andrews, TX (FHA|USDA|VA) | 29 | $7,115,000 | $245,345 | $10,603 | 6.91% |
| Gainesville, TX (FHA|USDA|VA) | 18 | $6,300,000 | $350,000 | $11,987 | 6.18% |
| Blackfoot, ID (FHA|USDA|VA) | 19 | $6,015,000 | $316,579 | $11,233 | 6.61% |
| BATON ROUGE, LA (FHA|USDA|VA) | 25 | $5,925,000 | $237,000 | $5,279 | 6.87% |
| Athens, TX (FHA|USDA|VA) | 18 | $5,890,000 | $327,222 | $12,243 | 6.76% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 17 | $5,765,000 | $339,118 | $12,147 | 6.61% |
| BOULDER, CO (FHA|USDA|VA) | 11 | $5,635,000 | $512,273 | $5,796 | 6.86% |
| Granbury, TX (FHA|USDA|VA) | 13 | $5,445,000 | $418,846 | $11,288 | 6.68% |
| Paragould, AR (FHA|USDA|VA) | 32 | $5,270,000 | $164,688 | $6,125 | 6.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 13 | $5,065,000 | $389,615 | $6,661 | 6.08% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 12 | $4,370,000 | $364,167 | $6,003 | 7.04% |
| Bonham, TX (FHA|USDA|VA) | 13 | $4,065,000 | $312,692 | $7,256 | 6.70% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 11 | $4,025,000 | $365,909 | $10,371 | 6.71% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 16 | $3,920,000 | $245,000 | $10,686 | 5.18% |
| LONGVIEW, TX (FHA|USDA|VA) | 15 | $3,885,000 | $259,000 | $8,600 | 6.87% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 16 | $3,750,000 | $234,375 | $8,407 | 6.83% |
| WACO, TX (FHA|USDA|VA) | 11 | $3,665,000 | $333,182 | $8,350 | 6.92% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 9 | $3,595,000 | $399,444 | $14,220 | 6.08% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 12 | $3,530,000 | $294,167 | $9,619 | 7.06% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 24 | $3,520,000 | $146,667 | $5,702 | 6.94% |
| Stephenville, TX (FHA|USDA|VA) | 10 | $3,410,000 | $341,000 | $10,046 | 6.95% |
| Durango, CO (FHA|USDA|VA) | 7 | $3,295,000 | $470,714 | $6,338 | 7.05% |
| Rexburg, ID (FHA|USDA|VA) | 15 | $3,275,000 | $218,333 | $12,417 | 7.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 15 | $3,195,000 | $213,000 | $8,221 | 6.71% |
| North Wilkesboro, NC (FHA|USDA|VA) | 18 | $3,060,000 | $170,000 | $7,437 | 4.41% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 9 | $3,045,000 | $338,333 | $10,183 | 7.00% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 7 | $3,035,000 | $433,571 | $12,081 | 6.93% |
| Lewisburg, TN (FHA|USDA|VA) | 9 | $3,025,000 | $336,111 | $8,786 | 6.87% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $2,980,000 | $1,490,000 | $12,743 | 7.44% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 8 | $2,940,000 | $367,500 | $12,292 | 6.59% |
| GREELEY, CO (FHA|USDA|VA) | 6 | $2,940,000 | $490,000 | $8,012 | 6.85% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 10 | $2,740,000 | $274,000 | $12,199 | 7.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 28 | $2,640,000 | $94,286 | $5,881 | 5.48% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 10 | $2,590,000 | $259,000 | $6,602 | 6.85% |
| SAN ANGELO, TX (FHA|USDA|VA) | 10 | $2,570,000 | $257,000 | $10,377 | 6.81% |
| OCALA, FL (FHA|USDA|VA) | 13 | $2,545,000 | $195,769 | $12,543 | 7.27% |
| Corsicana, TX (FHA|USDA|VA) | 10 | $2,530,000 | $253,000 | $10,467 | 7.09% |
| SPARTANBURG, SC (FHA|USDA|VA) | 8 | $2,330,000 | $291,250 | $8,945 | 6.79% |
| LUBBOCK, TX (FHA|USDA|VA) | 10 | $2,310,000 | $231,000 | $8,385 | 7.10% |
| El Campo, TX (FHA|USDA|VA) | 7 | $2,185,000 | $312,143 | $6,940 | 7.39% |
| Fort Payne, AL (FHA|USDA|VA) | 10 | $2,180,000 | $218,000 | $5,819 | 6.64% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 9 | $2,165,000 | $240,556 | $9,154 | 5.84% |
| FLINT, MI (FHA|USDA|VA) | 11 | $2,145,000 | $195,000 | $6,354 | 6.85% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 6 | $2,100,000 | $350,000 | $5,614 | 7.92% |
| Mount Airy, NC (FHA|USDA|VA) | 15 | $2,055,000 | $137,000 | $6,350 | 4.52% |
| ANN ARBOR, MI (FHA|USDA|VA) | 7 | $2,055,000 | $293,571 | $6,725 | 7.03% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 6 | $2,020,000 | $336,667 | $7,951 | 6.81% |
| BELLINGHAM, WA (FHA|USDA|VA) | 4 | $1,970,000 | $492,500 | $7,024 | 7.03% |
| Outside of Metro Areas | 4 | $1,970,000 | $492,500 | $18,668 | 7.38% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $1,885,000 | $377,000 | $7,774 | 6.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 7 | $1,885,000 | $269,286 | $11,395 | 6.52% |
| Boone, NC (FHA|USDA|VA) | 3 | $1,795,000 | $598,333 | $4,794 | 7.54% |
| TOLEDO, OH (FHA|USDA|VA) | 8 | $1,770,000 | $221,250 | $7,294 | 7.06% |
| EL PASO, TX (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $9,871 | 6.70% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $1,685,000 | $240,714 | $9,664 | 5.85% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 3 | $1,645,000 | $548,333 | $12,574 | 7.12% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $1,630,000 | $815,000 | $17,961 | 6.63% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 8 | $1,570,000 | $196,250 | $5,918 | 7.14% |
| Brevard, NC (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $7,642 | 6.96% |
| TULSA, OK (FHA|USDA|VA) | 6 | $1,570,000 | $261,667 | $6,979 | 6.62% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 11 | $1,565,000 | $142,273 | $10,408 | 6.94% |
| Key West, FL (FHA|USDA|VA) | 2 | $1,500,000 | $750,000 | $15,136 | 7.43% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $1,495,000 | $498,333 | $20,124 | 6.54% |
| PANAMA CITY, FL (FHA|USDA|VA) | 3 | $1,475,000 | $491,667 | $6,502 | 6.79% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $11,836 | 6.29% |
| Blytheville, AR (FHA|USDA|VA) | 10 | $1,440,000 | $144,000 | $6,150 | 6.85% |
| ABILENE, TX (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $9,769 | 6.91% |
| Magnolia, AR (FHA|USDA|VA) | 8 | $1,400,000 | $175,000 | $5,275 | 6.62% |
| Nacogdoches, TX (FHA|USDA|VA) | 7 | $1,385,000 | $197,857 | $8,303 | 6.82% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 5 | $1,385,000 | $277,000 | $7,751 | 6.97% |
| RICHMOND, VA (FHA|USDA|VA) | 4 | $1,380,000 | $345,000 | $8,597 | 6.37% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $1,285,000 | $1,285,000 | $36,076 | 7.38% |
| Lawrenceburg, TN (FHA|USDA|VA) | 5 | $1,255,000 | $251,000 | $6,345 | 6.55% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $5,727 | 6.83% |
| Big Spring, TX (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $11,521 | 7.17% |
| Ellensburg, WA (FHA|USDA|VA) | 3 | $1,215,000 | $405,000 | $12,734 | 6.71% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $6,394 | 7.08% |
| Taos, NM (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $13,265 | 6.75% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 3 | $1,195,000 | $398,333 | $12,209 | 6.66% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $5,738 | 6.83% |
| Mineral Wells, TX (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $6,789 | 6.24% |
| McMinnville, TN (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $10,038 | 6.42% |
| Raymondville, TX (FHA|USDA|VA) | 5 | $1,055,000 | $211,000 | $9,077 | 6.52% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $6,943 | 6.75% |
| WENATCHEE, WA (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $9,860 | 6.31% |
| COLUMBIA, SC (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $4,634 | 7.04% |
| Durant, OK (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $14,349 | 6.50% |
| POCATELLO, ID (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $8,547 | 6.73% |
| Sulphur Springs, TX (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $10,351 | 6.72% |
| Cookeville, TN (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $10,648 | 6.91% |
| Centralia, WA (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $11,152 | 4.67% |
| Scottsboro, AL (FHA|USDA|VA) | 5 | $925,000 | $185,000 | $7,444 | 6.97% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $4,310 | 6.75% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $10,426 | 7.24% |
| Huntsville, TX (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $9,893 | 6.50% |
| Searcy, AR (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $6,954 | 6.91% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $6,336 | 7.49% |
| VICTORIA, TX (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $8,281 | 6.47% |
| Forest City, NC (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $8,244 | 5.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $15,981 | 7.00% |
| Jacksonville, TX (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $7,430 | 6.97% |
| CLEVELAND, TN (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $7,543 | 6.50% |
| RENO, NV (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $7,245 | 7.13% |
| Batesville, AR (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $3,910 | 6.67% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $745,000 | $745,000 | $14,446 | 5.49% |
| Mountain Home, AR (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $5,283 | 6.90% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $10,773 | 7.13% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $11,577 | 7.21% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $710,000 | $355,000 | $3,771 | 7.50% |
| Pahrump, NV (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $12,024 | 6.68% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $5,893 | 5.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $8,015 | 6.25% |
| Clewiston, FL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $11,378 | 4.46% |
| NAPA, CA (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $9,063 | 6.99% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $6,476 | 6.81% |
| Cullowhee, NC (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,538 | 7.50% |
| Arkadelphia, AR (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $5,607 | 6.67% |
| Edwards, CO (FHA|USDA|VA) | 1 | $635,000 | $635,000 | $20,522 | 6.62% |
| Palestine, TX (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $9,844 | 6.42% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $7,515 | 6.81% |
| Rockport, TX (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $4,645 | 6.87% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $6,541 | 6.88% |
| DALTON, GA (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,687 | 6.33% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $580,000 | $290,000 | $6,879 | 6.50% |
| Marion, NC (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $8,809 | 4.62% |
| Orangeburg, SC (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $10,467 | 6.33% |
| Brownwood, TX (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $10,433 | 8.06% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $7,990 | 6.75% |
| Bozeman, MT (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $13,723 | 6.12% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,644 | 7.81% |
| Prineville, OR (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $10,939 | 6.99% |
| New Castle, IN (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $4,894 | 7.12% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $13,694 | 3.69% |
| Russellville, AR (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $6,179 | 6.50% |
| Athens, TN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $8,792 | 6.69% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,283 | 6.75% |
| Shelby, NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $7,297 | 6.12% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,111 | 6.81% |
| AKRON, OH (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $14,470 | 7.63% |
| Brenham, TX (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $11,994 | 6.88% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $4,674 | 7.75% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $22,839 | 5.63% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,641 | 6.81% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $9,569 | 7.06% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $18,351 | 7.13% |
| Summerville, GA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $5,953 | 7.31% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $14,376 | 5.99% |
| Lumberton, NC (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $7,246 | 4.58% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $7,030 | 6.38% |
| Del Rio, TX (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $2,332 | 7.25% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $7,399 | 7.25% |
| Okeechobee, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,215 | 7.62% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,889 | 6.38% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $6,169 | 6.37% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 7.00% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 7.62% |
| ROME, GA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,606 | 6.99% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $11,683 | 6.99% |
| Wilson, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,718 | 7.00% |
| Ada, OK (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $10,506 | 6.50% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $13,424 | 5.75% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,297 | 6.63% |
| MONROE, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $16,128 | 7.13% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,582 | 7.00% |
| Bay City, TX (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,315 | 7.50% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,446 | 6.88% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $13,605 | 6.63% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,243 | 6.62% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $15,655 | 5.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,513 | 7.13% |
| MONROE, LA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,061 | 7.13% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $8,524 | 6.25% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,125 | 6.25% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,323 | 6.13% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $7,184 | 7.13% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $13,446 | 6.25% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $7,098 | 6.81% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,807 | 6.88% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $5,528 | 5.99% |
| Madison, IN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,176 | 6.88% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,589 | 6.49% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 7.25% |
| Harrison, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,696 | 6.63% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $6,794 | 6.49% |
| Eagle Pass, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $12,367 | 6.49% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,335 | 7.50% |
| PINE BLUFF, AR (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $4,856 | 7.19% |
| Adrian, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,336 | 7.13% |
| Glasgow, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $7,512 | 6.75% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $10,951 | 6.50% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 6.88% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $7,321 | 7.31% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,394 | 7.88% |
| Dayton, TN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $10,161 | 6.50% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 5.63% |
| JOPLIN, MO (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,256 | 6.63% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $9,895 | 6.13% |
| McAlester, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $10,586 | 6.63% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,622 | 7.38% |
| Marion, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,981 | 6.63% |
| Levelland, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $10,495 | 7.63% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $8,153 | 6.38% |
| Dublin, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,855 | 6.25% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $13,563 | 6.75% |
| Snyder, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,330 | 6.63% |
| Crossville, TN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $8,585 | 3.25% |
| Hope, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,493 | 6.99% |
| SALEM, OR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,170 | 6.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,235 | 7.49% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $235 | 7.13% |
| Altus, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,846 | 7.00% |
| Lamesa, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,296 | 6.88% |
| Española, NM (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.13% |
| Duncan, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,872 | 7.50% |
| Mexico, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,906 | 6.87% |
| Forrest City, AR (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $3,978 | 7.13% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 7.81% |
| Union, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,338 | 6.50% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 7.99% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.63% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,307 | 6.99% |
| ERIE, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 7.50% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,827 | 7.13% |
| Camden, AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $8,376 | 7.13% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 7.99% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 7.49% |
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Product Mix
For 2024, Highlands Residential Mortgage Ltd.'s most frequently originated type of loan was Conventional, with 4,481 originations. Their 2nd most popular type was FHA, with 1,892 originations.
Loan Reason
For 2024, Highlands Residential Mortgage Ltd.'s most frequently cited loan purpose was Home Purchase, with 6,425 originations. The 2nd most popular reason was Cash Out Refi, with 335 originations.
Loan Duration/Length
For 2024, Highlands Residential Mortgage Ltd.'s most frequently cited loan duration was 30 Year, with 6,623 originations. The 2nd most popular length was 15 Year, with 228 originations.
Origination Fees/Closing Costs
Highlands Residential Mortgage Ltd.'s average total fees were $9,455, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 1,942 originations.
Interest Rates
During 2024, Highlands Residential Mortgage Ltd.'s average interest rate for loans was 6.64%, while their most frequently originated rate bucket for loans was 6-7%, with 4,123 originations.
Loan Sizing
2024 saw Highlands Residential Mortgage Ltd. place emphasis on $200k-400k loans with 3,517 originations, totaling $1,021,645,000 in origination value.
Applicant Income
Highlands Residential Mortgage Ltd. lent most frequently to those with incomes in the $100k-150k range, with 1,812 originations. The second most popular income band? $150k-250k, with 1,361 originations.
Applicant Debt to Income Ratio
Highlands Residential Mortgage Ltd. lent most frequently to those with DTI ratios of 30-36%, with 1,030 originations. The next most common DTI ratio? 20-30%, with 880 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications97.86%
Highlands Residential Mortgage Ltd. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination69.07%
Highlands Residential Mortgage Ltd. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 6,990 | $2,240,280,000 | $320,498 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6,990 | $2,240,280,000 | $320,498 |