Highlands Residential Mortgage Ltd. Rates, Fees & Info

AUSTIN, TX

LEI: 549300KHXD7JSQUZIJ22

Tax ID: 75-2269700

4.3 stars - out of 5 stars, based on 127 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Review & Overview

    Highlands Residential Mortgage Ltd. is a mid-sized mortgage company specializing in Home Purchase and Refi 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. Their top markets by origination volume include: Dallas, Nashville, Denver, Miami, and Houston among others. We have data for 334 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. 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 in 2021-- chances are they are still one in 2022.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    30 Year Conventional Purchase 5.78% 8/6/22
    30 Year Conventional Refi 5.55% 8/6/22
    30 Year Cash-out Refi 5.78% 8/6/22
    30 Year FHA Purchase 6.64% 8/6/22
    30 Year FHA Refi 6.20% 8/6/22
    30 Year VA Purchase 5.57% 8/6/22
    30 Year VA Refi 5.22% 8/6/22
    30 Year USDA Purchase 5.89% 8/6/22
    30 Year USDA Refi 5.65% 8/6/22
    15 Year Conventional Purchase 4.65% 8/6/22
    15 Year Conventional Refi 4.62% 8/6/22
    15 Year Cash-out Refi 4.62% 8/6/22
    15 Year FHA Refi 5.57% 8/6/22
    15 Year VA Purchase 5.08% 8/6/22
    15 Year VA Refi 4.31% 8/6/22
    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.


    Originations

    16,256

    Origination Dollar Volume (All Markets)

    $4,627,300,000
    Show all (9) awards

    Relative Rate

    Highlands Residential Mortgage Ltd.'s average 30 year fixed rate mortgage of loans were 3.19%.

    The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

    This yields a difference of 0.04%.

    Relative Fees

    Highlands Residential Mortgage Ltd.'s average total fees for a 30 year fixed rate mortgage are $5,330.

    The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

    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) » 2,923 $906,425,000 $310,101 $6,532 3.13%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) » 989 $343,145,000 $346,962 $4,371 3.08%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) » 652 $254,610,000 $390,506 $3,795 2.96%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) » 795 $253,425,000 $318,774 $6,343 3.24%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) » 827 $231,925,000 $280,441 $6,194 3.18%
    Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) » 447 $216,015,000 $483,255 $7,691 3.02%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) » 682 $164,200,000 $240,762 $4,126 3.09%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) » 648 $145,460,000 $224,475 $3,669 3.03%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) » 441 $130,595,000 $296,134 $3,963 3.04%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) » 282 $129,190,000 $458,121 $6,554 2.87%
    Outside of Metro Areas 528 $129,150,000 $244,602 $5,159 3.11%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) » 514 $114,770,000 $223,288 $4,288 3.07%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) » 351 $86,935,000 $247,678 $3,385 3.08%
    RALEIGH-CARY, NC (FHA|USDA|VA) » 239 $85,455,000 $357,552 $3,980 3.03%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) » 302 $75,240,000 $249,139 $5,533 3.12%
    SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) » 248 $70,210,000 $283,105 $6,299 3.16%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) » 285 $69,755,000 $244,754 $3,650 2.95%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) » 191 $65,895,000 $345,000 $5,882 3.02%
    ASHEVILLE, NC (FHA|USDA|VA) » 267 $64,125,000 $240,169 $4,838 3.12%
    WILMINGTON, NC (FHA|USDA|VA) » 228 $60,970,000 $267,412 $3,766 3.05%
    LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) » 300 $58,720,000 $195,733 $4,279 3.19%
    BOULDER, CO (FHA|USDA|VA) » 118 $55,630,000 $471,441 $3,782 2.97%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) » 217 $54,865,000 $252,834 $3,978 3.07%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) » 191 $37,845,000 $198,141 $4,119 2.97%
    Durango, CO (FHA|USDA|VA) » 85 $31,175,000 $366,765 $3,661 3.10%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) » 134 $31,010,000 $231,418 $6,118 3.33%
    Port Angeles, WA (FHA|USDA|VA) » 92 $30,360,000 $330,000 $5,003 3.09%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) » 63 $21,335,000 $338,651 $5,415 3.13%
    IDAHO FALLS, ID (FHA|USDA|VA) » 80 $20,530,000 $256,625 $7,523 3.19%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) » 86 $19,840,000 $230,698 $5,210 3.06%
    El Dorado, AR (FHA|USDA|VA) » 94 $19,380,000 $206,170 $3,321 3.19%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) » 157 $19,015,000 $121,115 $3,965 3.60%
    WINSTON-SALEM, NC (FHA|USDA|VA) » 89 $18,925,000 $212,640 $3,465 2.92%
    SHERMAN-DENISON, TX (FHA|USDA|VA) » 69 $18,715,000 $271,232 $6,593 3.22%
    JACKSONVILLE, FL (FHA|USDA|VA) » 113 $18,625,000 $164,823 $3,933 3.61%
    BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) » 46 $17,920,000 $389,565 $7,678 3.08%
    ANN ARBOR, MI (FHA|USDA|VA) » 59 $16,125,000 $273,305 $3,785 3.06%
    TYLER, TX (FHA|USDA|VA) » 71 $15,795,000 $222,465 $5,978 3.06%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) » 66 $14,790,000 $224,091 $5,414 3.25%
    PORT ST. LUCIE, FL (FHA|USDA|VA) » 51 $13,555,000 $265,784 $4,585 3.22%
    COLORADO SPRINGS, CO (FHA|USDA|VA) » 32 $12,240,000 $382,500 $4,512 3.08%
    LANSING-EAST LANSING, MI (FHA|USDA|VA) » 62 $10,970,000 $176,935 $4,320 3.14%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) » 27 $10,585,000 $392,037 $7,032 3.21%
    KANSAS CITY, MO-KS (FHA|USDA|VA) » 95 $10,315,000 $108,579 $3,247 3.72%
    FORT COLLINS, CO (FHA|USDA|VA) » 25 $10,015,000 $400,600 $3,641 2.97%
    FLINT, MI (FHA|USDA|VA) » 51 $9,375,000 $183,824 $4,254 3.12%
    GREELEY, CO (FHA|USDA|VA) » 26 $9,210,000 $354,231 $4,105 2.95%
    ST. LOUIS, MO-IL (FHA|USDA|VA) » 77 $8,865,000 $115,130 $3,014 2.56%
    Athens, TX (FHA|USDA|VA) » 35 $8,735,000 $249,571 $6,304 3.11%
    Cullowhee, NC (FHA|USDA|VA) » 32 $8,650,000 $270,313 $5,089 3.13%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) » 43 $8,425,000 $195,930 $4,614 3.65%
    JONESBORO, AR (FHA|USDA|VA) » 44 $8,340,000 $189,545 $5,068 3.16%
    SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) » 29 $8,305,000 $286,379 $4,241 3.22%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) » 19 $8,135,000 $428,158 $6,923 3.11%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) » 31 $7,805,000 $251,774 $5,459 3.31%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) » 25 $7,595,000 $303,800 $3,886 3.09%
    KNOXVILLE, TN (FHA|USDA|VA) » 27 $6,915,000 $256,111 $5,004 3.10%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) » 27 $6,615,000 $245,000 $4,249 3.30%
    Blackfoot, ID (FHA|USDA|VA) » 22 $6,270,000 $285,000 $7,007 3.13%
    TEXARKANA, TX-AR (FHA|USDA|VA) » 31 $6,195,000 $199,839 $4,210 3.08%
    CLEVELAND, TN (FHA|USDA|VA) » 35 $6,145,000 $175,571 $3,839 3.00%
    Carlsbad-Artesia, NM (FHA|USDA|VA) » 27 $5,945,000 $220,185 $4,866 3.25%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) » 29 $5,775,000 $199,138 $4,962 3.27%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) » 22 $5,730,000 $260,455 $5,276 3.06%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) » 55 $5,615,000 $102,091 $3,348 3.72%
    OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) » 15 $5,515,000 $367,667 $7,454 3.28%
    El Campo, TX (FHA|USDA|VA) » 22 $5,420,000 $246,364 $5,221 3.04%
    LONGVIEW, TX (FHA|USDA|VA) » 17 $5,135,000 $302,059 $5,590 3.34%
    OKLAHOMA CITY, OK (FHA|USDA|VA) » 26 $4,930,000 $189,615 $5,371 3.63%
    Granbury, TX (FHA|USDA|VA) » 15 $4,705,000 $313,667 $7,879 3.25%
    Paragould, AR (FHA|USDA|VA) » 26 $4,630,000 $178,077 $4,558 3.29%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) » 7 $4,345,000 $620,714 $8,261 2.88%
    OCALA, FL (FHA|USDA|VA) » 29 $4,345,000 $149,828 $4,656 3.71%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) » 8 $4,340,000 $542,500 $6,218 3.30%
    Brevard, NC (FHA|USDA|VA) » 18 $4,320,000 $240,000 $4,874 3.42%
    HOT SPRINGS, AR (FHA|USDA|VA) » 19 $4,185,000 $220,263 $3,602 3.06%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) » 21 $4,165,000 $198,333 $4,886 3.33%
    JACKSON, MI (FHA|USDA|VA) » 17 $3,955,000 $232,647 $4,000 3.20%
    FORT SMITH, AR-OK (FHA|USDA|VA) » 18 $3,800,000 $211,111 $3,997 3.05%
    LUBBOCK, TX (FHA|USDA|VA) » 18 $3,760,000 $208,889 $5,961 3.25%
    Sevierville, TN (FHA|USDA|VA) » 9 $3,685,000 $409,444 $4,502 3.33%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) » 9 $3,665,000 $407,222 $7,595 2.86%
    Mountain Home, AR (FHA|USDA|VA) » 26 $3,540,000 $136,154 $4,089 3.16%
    JACKSONVILLE, NC (FHA|USDA|VA) » 15 $3,415,000 $227,667 $3,864 3.09%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) » 35 $3,355,000 $95,857 $3,979 3.93%
    Shelton, WA (FHA|USDA|VA) » 9 $3,345,000 $371,667 $9,496 2.94%
    Forest City, NC (FHA|USDA|VA) » 17 $3,335,000 $196,176 $4,371 2.93%
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) » 24 $3,320,000 $138,333 $3,678 3.49%
    Breckenridge, CO (FHA|USDA|VA) » 6 $3,220,000 $536,667 $2,763 2.75%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) » 19 $3,075,000 $161,842 $5,133 3.44%
    PUNTA GORDA, FL (FHA|USDA|VA) » 13 $3,055,000 $235,000 $5,564 3.41%
    Shelbyville, TN (FHA|USDA|VA) » 13 $3,005,000 $231,154 $3,952 3.31%
    RICHMOND, VA (FHA|USDA|VA) » 11 $2,975,000 $270,455 $4,975 3.41%
    Gainesville, TX (FHA|USDA|VA) » 6 $2,970,000 $495,000 $9,283 3.04%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) » 7 $2,945,000 $420,714 $5,863 3.14%
    PINE BLUFF, AR (FHA|USDA|VA) » 19 $2,905,000 $152,895 $4,484 3.15%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) » 9 $2,835,000 $315,000 $5,700 3.11%
    Taos, NM (FHA|USDA|VA) » 6 $2,790,000 $465,000 $5,317 3.35%
    BELLINGHAM, WA (FHA|USDA|VA) » 8 $2,710,000 $338,750 $3,627 3.02%
    WACO, TX (FHA|USDA|VA) » 11 $2,675,000 $243,182 $4,876 3.38%
    WENATCHEE, WA (FHA|USDA|VA) » 7 $2,615,000 $373,571 $5,683 3.55%
    Tullahoma-Manchester, TN (FHA|USDA|VA) » 8 $2,600,000 $325,000 $4,051 2.95%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) » 7 $2,415,000 $345,000 $3,707 3.00%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) » 9 $2,415,000 $268,333 $3,681 3.11%
    Corsicana, TX (FHA|USDA|VA) » 12 $2,250,000 $187,500 $6,602 3.48%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) » 14 $2,170,000 $155,000 $3,521 3.45%
    Cookeville, TN (FHA|USDA|VA) » 8 $2,160,000 $270,000 $5,633 3.13%
    Dayton, TN (FHA|USDA|VA) » 13 $2,155,000 $165,769 $3,983 3.20%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) » 9 $2,135,000 $237,222 $4,858 3.21%
    Stephenville, TX (FHA|USDA|VA) » 9 $2,085,000 $231,667 $6,397 3.10%
    TULSA, OK (FHA|USDA|VA) » 12 $2,080,000 $173,333 $4,487 3.55%
    Boone, NC (FHA|USDA|VA) » 7 $2,065,000 $295,000 $4,085 3.25%
    MONROE, MI (FHA|USDA|VA) » 9 $2,015,000 $223,889 $6,092 3.18%
    CORPUS CHRISTI, TX (FHA|USDA|VA) » 6 $1,950,000 $325,000 $5,372 3.25%
    Lewisburg, TN (FHA|USDA|VA) » 8 $1,870,000 $233,750 $4,428 3.22%
    Jacksonville, TX (FHA|USDA|VA) » 10 $1,820,000 $182,000 $6,061 3.08%
    HUNTSVILLE, AL (FHA|USDA|VA) » 13 $1,755,000 $135,000 $3,799 3.43%
    EL PASO, TX (FHA|USDA|VA) » 10 $1,750,000 $175,000 $4,941 3.66%
    Rockport, TX (FHA|USDA|VA) » 5 $1,715,000 $343,000 $5,383 3.03%
    MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) » 5 $1,695,000 $339,000 $3,451 3.28%
    Kerrville, TX (FHA|USDA|VA) » 6 $1,690,000 $281,667 $5,724 3.08%
    MIDLAND, TX (FHA|USDA|VA) » 7 $1,685,000 $240,714 $10,750 3.34%
    Batesville, AR (FHA|USDA|VA) » 13 $1,625,000 $125,000 $3,541 3.13%
    Bonham, TX (FHA|USDA|VA) » 6 $1,580,000 $263,333 $6,447 3.40%
    Fort Payne, AL (FHA|USDA|VA) » 7 $1,545,000 $220,714 $4,209 3.14%
    Searcy, AR (FHA|USDA|VA) » 9 $1,535,000 $170,556 $4,410 3.01%
    AKRON, OH (FHA|USDA|VA) » 16 $1,530,000 $95,625 $3,956 3.95%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) » 4 $1,500,000 $375,000 $5,617 3.22%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) » 3 $1,485,000 $495,000 $7,428 2.67%
    DALTON, GA (FHA|USDA|VA) » 7 $1,435,000 $205,000 $4,823 3.29%
    Scottsboro, AL (FHA|USDA|VA) » 7 $1,435,000 $205,000 $3,261 3.07%
    FAYETTEVILLE, NC (FHA|USDA|VA) » 5 $1,425,000 $285,000 $4,718 3.18%
    Oak Harbor, WA (FHA|USDA|VA) » 4 $1,410,000 $352,500 $3,720 3.00%
    Ellensburg, WA (FHA|USDA|VA) » 5 $1,405,000 $281,000 $3,673 3.23%
    ALBUQUERQUE, NM (FHA|USDA|VA) » 7 $1,395,000 $199,286 $3,159 3.16%
    Shelby, NC (FHA|USDA|VA) » 6 $1,380,000 $230,000 $5,116 3.27%
    SAN ANGELO, TX (FHA|USDA|VA) » 7 $1,365,000 $195,000 $6,725 3.05%
    PUEBLO, CO (FHA|USDA|VA) » 6 $1,350,000 $225,000 $2,883 3.06%
    Sandpoint, ID (FHA|USDA|VA) » 3 $1,325,000 $441,667 $5,668 3.38%
    Key West, FL (FHA|USDA|VA) » 3 $1,285,000 $428,333 $5,357 3.46%
    BEND, OR (FHA|USDA|VA) » 3 $1,285,000 $428,333 $9,463 3.13%
    SPARTANBURG, SC (FHA|USDA|VA) » 7 $1,265,000 $180,714 $4,589 3.13%
    POCATELLO, ID (FHA|USDA|VA) » 3 $1,245,000 $415,000 $15,628 2.54%
    Moses Lake, WA (FHA|USDA|VA) » 4 $1,230,000 $307,500 $6,461 3.00%
    LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) » 6 $1,230,000 $205,000 $4,592 3.08%
    LONGVIEW, WA (FHA|USDA|VA) » 5 $1,225,000 $245,000 $5,075 2.60%
    CHARLOTTESVILLE, VA (FHA|USDA|VA) » 3 $1,215,000 $405,000 $3,829 3.13%
    FARMINGTON, NM (FHA|USDA|VA) » 7 $1,215,000 $173,571 $3,756 3.43%
    Marion, NC (FHA|USDA|VA) » 6 $1,200,000 $200,000 $5,687 3.42%
    Frankfort, IN (FHA|USDA|VA) » 5 $1,165,000 $233,000 $3,755 3.33%
    WICHITA FALLS, TX (FHA|USDA|VA) » 8 $1,150,000 $143,750 $6,198 3.53%
    Magnolia, AR (FHA|USDA|VA) » 5 $1,125,000 $225,000 $2,509 3.00%
    COLUMBIA, SC (FHA|USDA|VA) » 5 $1,075,000 $215,000 $3,772 3.15%
    Morehead City, NC (FHA|USDA|VA) » 3 $1,045,000 $348,333 $5,137 3.13%
    Harrison, AR (FHA|USDA|VA) » 6 $1,040,000 $173,333 $6,010 3.10%
    Palestine, TX (FHA|USDA|VA) » 6 $990,000 $165,000 $6,917 3.27%
    North Wilkesboro, NC (FHA|USDA|VA) » 5 $985,000 $197,000 $4,299 3.20%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) » 5 $985,000 $197,000 $5,353 3.80%
    FRESNO, CA (FHA|USDA|VA) » 3 $985,000 $328,333 $7,790 4.25%
    Athens, TN (FHA|USDA|VA) » 5 $945,000 $189,000 $3,998 3.10%
    EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) » 3 $935,000 $311,667 $3,930 2.96%
    Sulphur Springs, TX (FHA|USDA|VA) » 3 $915,000 $305,000 $7,757 3.46%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) » 2 $900,000 $450,000 $8,068 2.75%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) » 4 $900,000 $225,000 $3,492 3.00%
    Lufkin, TX (FHA|USDA|VA) » 5 $885,000 $177,000 $6,399 2.90%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) » 4 $880,000 $220,000 $3,525 3.06%
    ODESSA, TX (FHA|USDA|VA) » 4 $870,000 $217,500 $7,185 3.22%
    Russellville, AR (FHA|USDA|VA) » 5 $865,000 $173,000 $4,773 3.08%
    Huntsville, TX (FHA|USDA|VA) » 3 $825,000 $275,000 $5,203 2.46%
    Edwards, CO (FHA|USDA|VA) » 2 $820,000 $410,000 $3,585 3.31%
    PITTSBURGH, PA (FHA|USDA|VA) » 5 $815,000 $163,000 $4,628 3.55%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) » 3 $815,000 $271,667 $6,297 3.83%
    Adrian, MI (FHA|USDA|VA) » 3 $785,000 $261,667 $3,653 2.83%
    HARRISONBURG, VA (FHA|USDA|VA) » 3 $785,000 $261,667 $4,880 3.21%
    DAYTON-KETTERING, OH (FHA|USDA|VA) » 7 $785,000 $112,143 $3,853 3.55%
    Rexburg, ID (FHA|USDA|VA) » 4 $780,000 $195,000 $8,190 3.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) » 2 $780,000 $390,000 $3,268 3.75%
    MUNCIE, IN (FHA|USDA|VA) » 5 $775,000 $155,000 $2,967 3.28%
    AMARILLO, TX (FHA|USDA|VA) » 4 $770,000 $192,500 $5,892 3.38%
    JOPLIN, MO (FHA|USDA|VA) » 4 $770,000 $192,500 $3,837 3.44%
    Traverse City, MI (FHA|USDA|VA) » 4 $770,000 $192,500 $3,835 3.19%
    DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) » 9 $765,000 $85,000 $3,695 3.94%
    YAKIMA, WA (FHA|USDA|VA) » 4 $750,000 $187,500 $2,840 2.97%
    Wilson, NC (FHA|USDA|VA) » 4 $750,000 $187,500 $4,047 3.19%
    Brownwood, TX (FHA|USDA|VA) » 3 $735,000 $245,000 $7,748 3.63%
    WINCHESTER, VA-WV (FHA|USDA|VA) » 2 $730,000 $365,000 $2,308 3.25%
    Mount Pleasant, TX (FHA|USDA|VA) » 2 $730,000 $365,000 $7,332 3.25%
    ABILENE, TX (FHA|USDA|VA) » 3 $695,000 $231,667 $6,145 3.04%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) » 1 $685,000 $685,000 $16,739 3.38%
    KENNEWICK-RICHLAND, WA (FHA|USDA|VA) » 3 $675,000 $225,000 $7,177 3.29%
    Aberdeen, WA (FHA|USDA|VA) » 5 $675,000 $135,000 $4,357 3.34%
    Centralia, WA (FHA|USDA|VA) » 3 $665,000 $221,667 $5,892 2.17%
    GRAND JUNCTION, CO (FHA|USDA|VA) » 2 $660,000 $330,000 $3,385 3.00%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) » 2 $650,000 $325,000 $3,648 2.81%
    NEW BERN, NC (FHA|USDA|VA) » 4 $650,000 $162,500 $3,587 3.00%
    Steamboat Springs, CO (FHA|USDA|VA) » 1 $635,000 $635,000 $8,727 2.88%
    ROANOKE, VA (FHA|USDA|VA) » 2 $630,000 $315,000 $2,812 2.75%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) » 2 $620,000 $310,000 $3,774 3.81%
    Lake City, FL (FHA|USDA|VA) » 2 $620,000 $310,000 $7,226 3.69%
    Fort Morgan, CO (FHA|USDA|VA) » 2 $610,000 $305,000 $5,376 3.75%
    Clewiston, FL (FHA|USDA|VA) » 3 $605,000 $201,667 $7,086 3.38%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) » 2 $600,000 $300,000 $3,222 3.06%
    FLORENCE, SC (FHA|USDA|VA) » 1 $595,000 $595,000 $2,318 3.25%
    MONTGOMERY, AL (FHA|USDA|VA) » 6 $590,000 $98,333 $3,167 3.67%
    EL CENTRO, CA (FHA|USDA|VA) » 4 $580,000 $145,000 $2,810 3.00%
    BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) » 2 $570,000 $285,000 $5,499 3.00%
    Crawfordsville, IN (FHA|USDA|VA) » 3 $565,000 $188,333 $3,052 3.21%
    VICTORIA, TX (FHA|USDA|VA) » 2 $550,000 $275,000 $3,887 3.44%
    CaƱon City, CO (FHA|USDA|VA) » 1 $545,000 $545,000 $5,045 3.25%
    COLUMBUS, IN (FHA|USDA|VA) » 1 $545,000 $545,000 $2,987 3.13%
    Malvern, AR (FHA|USDA|VA) » 5 $545,000 $109,000 $3,955 3.35%
    TUCSON, AZ (FHA|USDA|VA) » 3 $545,000 $181,667 $3,409 3.25%
    Durant, OK (FHA|USDA|VA) » 2 $540,000 $270,000 $4,996 3.13%
    Duncan, OK (FHA|USDA|VA) » 1 $525,000 $525,000 $3,521 3.13%
    MORRISTOWN, TN (FHA|USDA|VA) » 3 $515,000 $171,667 $5,963 3.04%
    Camden, AR (FHA|USDA|VA) » 4 $510,000 $127,500 $3,581 2.81%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) » 1 $505,000 $505,000 $3,520 3.25%
    PEORIA, IL (FHA|USDA|VA) » 1 $505,000 $505,000 $3,089 3.13%
    Mount Airy, NC (FHA|USDA|VA) » 2 $480,000 $240,000 $5,589 3.06%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) » 4 $480,000 $120,000 $3,284 3.41%
    BURLINGTON, NC (FHA|USDA|VA) » 2 $480,000 $240,000 $2,672 3.00%
    NILES, MI (FHA|USDA|VA) » 3 $475,000 $158,333 $4,312 3.25%
    GAINESVILLE, FL (FHA|USDA|VA) » 3 $475,000 $158,333 $3,351 3.33%
    Cullman, AL (FHA|USDA|VA) » 1 $465,000 $465,000 $3,442 3.50%
    Talladega-Sylacauga, AL (FHA|USDA|VA) » 4 $460,000 $115,000 $3,989 3.66%
    Mineral Wells, TX (FHA|USDA|VA) » 2 $450,000 $225,000 $5,783 3.88%
    PANAMA CITY, FL (FHA|USDA|VA) » 1 $445,000 $445,000 $7,073 3.50%
    Astoria, OR (FHA|USDA|VA) » 1 $445,000 $445,000 $4,670 2.75%
    NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) » 2 $430,000 $215,000 $4,440 3.50%
    Arkadelphia, AR (FHA|USDA|VA) » 2 $420,000 $210,000 $3,037 3.25%
    SPRINGFIELD, MO (FHA|USDA|VA) » 2 $410,000 $205,000 $7,794 3.38%
    EVANSVILLE, IN-KY (FHA|USDA|VA) » 5 $405,000 $81,000 $3,425 3.60%
    TUSCALOOSA, AL (FHA|USDA|VA) » 3 $395,000 $131,667 $2,817 3.46%
    Roanoke Rapids, NC (FHA|USDA|VA) » 1 $395,000 $395,000 $2,409 2.75%
    Jackson, WY-ID (FHA|USDA|VA) » 2 $390,000 $195,000 $7,391 3.88%
    Sweetwater, TX (FHA|USDA|VA) » 5 $385,000 $77,000 $3,929 3.83%
    Hillsdale, MI (FHA|USDA|VA) » 1 $385,000 $385,000 $3,809 3.00%
    FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) » 1 $385,000 $385,000 $2,858 4.00%
    Nacogdoches, TX (FHA|USDA|VA) » 2 $370,000 $185,000 $2,339 2.75%
    JACKSON, MS (FHA|USDA|VA) » 2 $370,000 $185,000 $3,596 3.81%
    Gallup, NM (FHA|USDA|VA) » 2 $370,000 $185,000 $3,671 3.13%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) » 2 $360,000 $180,000 $3,953 3.19%
    McAlester, OK (FHA|USDA|VA) » 1 $355,000 $355,000 $5,639 3.25%
    Blytheville, AR (FHA|USDA|VA) » 4 $350,000 $87,500 $3,741 3.13%
    Ruidoso, NM (FHA|USDA|VA) » 1 $345,000 $345,000 $5,232 3.38%
    Fredericksburg, TX (FHA|USDA|VA) » 1 $335,000 $335,000 $5,557 3.13%
    BATTLE CREEK, MI (FHA|USDA|VA) » 1 $335,000 $335,000 $9,263 3.63%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) » 2 $330,000 $165,000 $1,527 3.31%
    Warsaw, IN (FHA|USDA|VA) » 1 $325,000 $325,000 $2,805 3.25%
    BOWLING GREEN, KY (FHA|USDA|VA) » 1 $325,000 $325,000 $3,844 3.38%
    Summerville, GA (FHA|USDA|VA) » 2 $320,000 $160,000 $5,178 2.81%
    LYNCHBURG, VA (FHA|USDA|VA) » 2 $320,000 $160,000 $4,454 3.25%
    Branson, MO (FHA|USDA|VA) » 1 $315,000 $315,000 $3,978 3.38%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) » 2 $310,000 $155,000 $4,214 3.56%
    THE VILLAGES, FL (FHA|USDA|VA) » 1 $305,000 $305,000 $3,940 3.25%
    Georgetown, SC (FHA|USDA|VA) » 2 $300,000 $150,000 $2,992 3.19%
    MIDLAND, MI (FHA|USDA|VA) » 2 $300,000 $150,000 $4,159 3.44%
    Danville, VA (FHA|USDA|VA) » 2 $300,000 $150,000 $5,256 2.81%
    Hood River, OR (FHA|USDA|VA) » 1 $295,000 $295,000 $3,817 3.13%
    GAINESVILLE, GA (FHA|USDA|VA) » 1 $295,000 $295,000 $9,757 3.00%
    SALEM, OR (FHA|USDA|VA) » 1 $295,000 $295,000 $4,705 3.25%
    WARNER ROBINS, GA (FHA|USDA|VA) » 1 $295,000 $295,000 $10,063 3.25%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) » 1 $285,000 $285,000 $11,139 3.63%
    HARRISBURG-CARLISLE, PA (FHA|USDA|VA) » 3 $285,000 $95,000 $3,552 3.42%
    Forrest City, AR (FHA|USDA|VA) » 2 $280,000 $140,000 $3,718 3.00%
    SALISBURY, MD-DE (FHA|USDA|VA) » 1 $275,000 $275,000 $3,278 3.13%
    FLAGSTAFF, AZ (FHA|USDA|VA) » 1 $265,000 $265,000 $3,141 3.25%
    Roswell, NM (FHA|USDA|VA) » 1 $265,000 $265,000 $3,428 2.75%
    MONROE, LA (FHA|USDA|VA) » 2 $260,000 $130,000 $3,756 2.94%
    Pullman, WA (FHA|USDA|VA) » 1 $255,000 $255,000 $4,131 2.63%
    Madison, IN (FHA|USDA|VA) » 1 $255,000 $255,000 $5,685 3.25%
    BLOOMINGTON, IN (FHA|USDA|VA) » 1 $245,000 $245,000 $2,645 3.00%
    Alamogordo, NM (FHA|USDA|VA) » 1 $245,000 $245,000 $2,705 3.00%
    GOLDSBORO, NC (FHA|USDA|VA) » 1 $235,000 $235,000 $3,623 2.88%
    Albemarle, NC (FHA|USDA|VA) » 1 $235,000 $235,000 $3,737 3.25%
    COLUMBIA, MO (FHA|USDA|VA) » 1 $235,000 $235,000 $2,509 3.25%
    SUMTER, SC (FHA|USDA|VA) » 1 $235,000 $235,000 $7,231 3.13%
    Stillwater, OK (FHA|USDA|VA) » 1 $235,000 $235,000 $3,937 2.75%
    Kill Devil Hills, NC (FHA|USDA|VA) » 1 $225,000 $225,000 $3,003 2.75%
    CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) » 1 $225,000 $225,000 $3,864 2.88%
    Alpena, MI (FHA|USDA|VA) » 2 $220,000 $110,000 $3,816 3.00%
    Cadillac, MI (FHA|USDA|VA) » 2 $220,000 $110,000 $3,114 2.56%
    New Castle, IN (FHA|USDA|VA) » 2 $220,000 $110,000 $3,453 3.38%
    MOBILE, AL (FHA|USDA|VA) » 3 $215,000 $71,667 $3,475 3.42%
    KOKOMO, IN (FHA|USDA|VA) » 1 $215,000 $215,000 $2,249 3.25%
    TWIN FALLS, ID (FHA|USDA|VA) » 1 $205,000 $205,000 $4,538 3.13%
    COLUMBUS, GA-AL (FHA|USDA|VA) » 1 $205,000 $205,000 $8,330 2.88%
    Klamath Falls, OR (FHA|USDA|VA) » 1 $205,000 $205,000 $4,267 2.75%
    Seneca, SC (FHA|USDA|VA) » 1 $205,000 $205,000 $6,745 3.50%
    BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) » 1 $205,000 $205,000 $4,603 3.50%
    JACKSON, TN (FHA|USDA|VA) » 1 $205,000 $205,000 $2,937 2.75%
    Bay City, TX (FHA|USDA|VA) » 1 $195,000 $195,000 $8,518 3.25%
    SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) » 1 $195,000 $195,000 $3,411 2.75%
    ELKHART-GOSHEN, IN (FHA|USDA|VA) » 1 $195,000 $195,000 $2,517 2.75%
    Decatur, IN (FHA|USDA|VA) » 1 $175,000 $175,000 $2,906 3.13%
    Paducah, KY-IL (FHA|USDA|VA) » 1 $175,000 $175,000 $9,410 3.88%
    Centralia, IL (FHA|USDA|VA) » 1 $175,000 $175,000 $2,383 2.50%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) » 1 $175,000 $175,000 $4,878 3.13%
    ST. CLOUD, MN (FHA|USDA|VA) » 2 $170,000 $85,000 $3,422 3.56%
    SAVANNAH, GA (FHA|USDA|VA) » 1 $165,000 $165,000 $2,914 3.25%
    WICHITA, KS (FHA|USDA|VA) » 1 $165,000 $165,000 $3,826 3.00%
    MANHATTAN, KS (FHA|USDA|VA) » 1 $165,000 $165,000 $3,282 2.25%
    GULFPORT-BILOXI, MS (FHA|USDA|VA) » 1 $165,000 $165,000 $6,291 3.25%
    Okeechobee, FL (FHA|USDA|VA) » 1 $155,000 $155,000 $6,504 3.25%
    St. Marys, GA (FHA|USDA|VA) » 1 $155,000 $155,000 $0 4.50%
    Mount Pleasant, MI (FHA|USDA|VA) » 1 $155,000 $155,000 $3,647 3.13%
    CANTON-MASSILLON, OH (FHA|USDA|VA) » 2 $150,000 $75,000 $3,557 3.63%
    Meridian, MS (FHA|USDA|VA) » 1 $135,000 $135,000 $3,738 4.25%
    Huntington, IN (FHA|USDA|VA) » 1 $135,000 $135,000 $2,861 3.25%
    Holland, MI (FHA|USDA|VA) » 1 $125,000 $125,000 $2,791 3.00%
    Glasgow, KY (FHA|USDA|VA) » 1 $125,000 $125,000 $3,163 2.88%
    Greensburg, IN (FHA|USDA|VA) » 1 $125,000 $125,000 $2,236 3.25%
    Shawnee, OK (FHA|USDA|VA) » 1 $115,000 $115,000 $3,751 2.75%
    McMinnville, TN (FHA|USDA|VA) » 1 $105,000 $105,000 $2,683 2.88%
    Paris, TX (FHA|USDA|VA) » 1 $105,000 $105,000 $5,682 3.38%
    BRUNSWICK, GA (FHA|USDA|VA) » 1 $105,000 $105,000 $0 4.13%
    MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) » 1 $105,000 $105,000 $4,407 3.25%
    SAGINAW, MI (FHA|USDA|VA) » 1 $105,000 $105,000 $3,106 3.38%
    Las Vegas, NM (FHA|USDA|VA) » 1 $95,000 $95,000 $3,980 2.63%
    Laurinburg, NC (FHA|USDA|VA) » 1 $95,000 $95,000 $3,075 3.38%
    Beeville, TX (FHA|USDA|VA) » 1 $95,000 $95,000 $6,750 3.25%
    Lawrenceburg, TN (FHA|USDA|VA) » 1 $85,000 $85,000 $2,741 2.38%
    Jacksonville, IL (FHA|USDA|VA) » 1 $85,000 $85,000 $3,440 3.50%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) » 1 $85,000 $85,000 $3,060 4.13%
    KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) » 1 $85,000 $85,000 $3,079 3.13%
    COLUMBUS, OH (FHA|USDA|VA) » 1 $75,000 $75,000 $3,821 3.38%
    TOLEDO, OH (FHA|USDA|VA) » 1 $65,000 $65,000 $4,281 3.50%
    Port Lavaca, TX (FHA|USDA|VA) » 1 $65,000 $65,000 $3,597 3.88%
    Jasper, AL (FHA|USDA|VA) » 1 $65,000 $65,000 $2,988 4.38%
    GADSDEN, AL (FHA|USDA|VA) » 1 $65,000 $65,000 $4,237 4.00%
    JOHNSON CITY, TN (FHA|USDA|VA) » 1 $65,000 $65,000 $2,840 3.50%
    Crossville, TN (FHA|USDA|VA) » 1 $55,000 $55,000 $3,544 3.25%
    Borger, TX (FHA|USDA|VA) » 1 $55,000 $55,000 $2,803 3.63%
    Brownsville, TN (FHA|USDA|VA) » 1 $35,000 $35,000 $2,162 3.50%

    Highlands Residential Mortgage Ltd.'s top markets include Dallas, Nashville, Denver, Miami, and Houston among others.

    Product Mix

    Loan Type Originations Total Value Average Loan Average Fees Average Rate
    Conventional » 13,369 $3,852,675,000 $288,180 $4,454 3.12%
    FHA » 1,752 $427,380,000 $243,938 $8,812 3.24%
    VA » 757 $274,755,000 $362,952 $8,232 2.96%
    USDA » 378 $72,490,000 $191,772 $5,373 2.96%

    For the 2021 period, Highlands Residential Mortgage Ltd.'s most frequently originated loan type of loans were Conventional, with 13,369 originations. Their 2nd most popular type is FHA, with 1,752 originations.

    Loan Reason

    Loan Reason Originations Total Value Average Loan Average Fees Average Rate
    Home Purchase » 10,155 $2,930,675,000 $288,594 $5,741 3.18%
    Refi » 3,540 $987,360,000 $278,915 $3,796 2.91%
    Cash Out Refi » 2,561 $709,265,000 $276,948 $4,578 3.21%

    For the 2021, Highlands Residential Mortgage Ltd.'s most frequently cited loan purpose of loans were Home Purchase, with 10,155 originations. The 2nd most popular reason of loans were Refi, with 3,540 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year » 14,506 $4,234,300,000 $291,900 $5,330 3.19%
    15 Year » 1,157 $272,435,000 $235,467 $3,705 2.53%
    20 Year » 274 $73,910,000 $269,745 $4,052 2.92%
    Other » 207 $34,185,000 $165,145 $2,459 2.52%
    10 Year » 99 $12,385,000 $125,101 $2,179 2.67%
    5 Year » 13 $85,000 $6,538 $23 0.00%

    For the 2021, Highlands Residential Mortgage Ltd.'s most frequently cited loan length of loans were 30 Year, with 14,506 originations. The 2nd most popular length of loans were 15 Year, with 1,157 originations.

    Origination Fees

    Origination Fee Originations Total Value Average Loan
    $1k-2k » 11,074 $3,036,070,000 $274,162
    $2k-3k » 1,806 $505,310,000 $279,795
    $<1k » 1,108 $316,630,000 $285,767
    $3k-4k » 870 $267,800,000 $307,816
    $5k+ » 571 $271,155,000 $474,877
    $4k-5k » 486 $165,530,000 $340,597

    $5,330 of loans were Highlands Residential Mortgage Ltd.'s average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 11,074 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% » 8,506 $2,389,600,000 $280,931
    2.5-3% » 6,006 $1,811,450,000 $301,607
    <2.5% » 1,179 $317,845,000 $269,589
    4-5% » 545 $102,195,000 $187,514
    5-6% » 9 $2,805,000 $311,667
    6-7% » 3 $1,705,000 $568,333

    During 2021, Highlands Residential Mortgage Ltd.'s average interest rate of loans were 3.19%, while their most frequently originated rate bucket of loans were 3-4%, with 8,506 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k » 7,749 $2,200,235,000 $283,938 $5,442 3.13%
    $100k-200k » 4,404 $679,250,000 $154,235 $4,048 3.18%
    $400k-600k » 2,579 $1,249,035,000 $484,310 $6,097 3.07%
    $100,000 or less » 982 $65,170,000 $66,365 $2,683 3.04%
    $600k-1MM » 469 $340,155,000 $725,277 $8,740 3.06%
    $1MM+ » 73 $93,455,000 $1,280,205 $10,152 3.03%

    2021 saw Highlands Residential Mortgage Ltd. place emphasis on $200k-400k loans with 7,749 originations, totaling $2,200,235,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less » 4,459 $1,065,295,000 $238,909 $4,905 3.13%
    $100k-150k » 3,109 $963,115,000 $309,783 $5,270 3.13%
    $50k-75k » 2,832 $623,960,000 $220,325 $4,993 3.12%
    $75k-100k » 2,387 $639,695,000 $267,991 $5,314 3.10%
    $150k-250k » 2,367 $854,265,000 $360,906 $5,227 3.12%
    $250k+ » 1,036 $458,870,000 $442,925 $5,550 3.16%

    Highlands Residential Mortgage Ltd. lent most frequently to those with incomes in the $50k or less range, with 4,459 originations. The second most popular income band? $100k-150k, with 3,109 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% » 3,523 $992,555,000 $281,736 $4,513 3.04%
    30-36% » 3,096 $884,230,000 $285,604 $4,973 3.12%
    <20% » 1,273 $356,435,000 $279,996 $4,043 3.03%
    44% » 693 $196,055,000 $282,908 $5,320 3.21%
    43% » 669 $185,315,000 $277,003 $5,444 3.20%
    42% » 662 $188,070,000 $284,094 $5,292 3.19%
    40% » 608 $173,500,000 $285,362 $5,232 3.18%
    41% » 598 $175,200,000 $292,977 $5,247 3.17%
    39% » 597 $168,185,000 $281,717 $4,971 3.18%
    37% » 591 $165,865,000 $280,651 $5,104 3.17%
    50-60% » 582 $174,560,000 $299,931 $9,125 3.18%
    38% » 563 $158,865,000 $282,176 $5,295 3.16%
    36% » 546 $153,740,000 $281,575 $5,219 3.16%
    49% » 514 $153,190,000 $298,035 $5,892 3.15%
    45% » 485 $137,545,000 $283,598 $5,390 3.16%
    48% » 417 $124,255,000 $297,974 $6,067 3.14%
    47% » 391 $109,895,000 $281,061 $5,458 3.18%
    46% » 377 $104,265,000 $276,565 $5,438 3.22%
    >60% » 26 $9,520,000 $366,154 $5,835 2.82%

    Highlands Residential Mortgage Ltd. lent most frequently to those with DTI ratios of 20-30%, with 3,523 originations. The next most common DTI ratio? 30-36%, with 3,096 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White » 12,967 $3,705,185,000 $285,740 $4,998 3.11%
    Not provided » 1,682 $475,280,000 $282,568 $5,285 3.19%
    Black » 787 $211,995,000 $269,371 $6,565 3.14%
    Asian » 665 $188,455,000 $283,391 $5,596 3.17%
    American Indian » 90 $25,810,000 $286,778 $5,791 3.18%
    Asian Indian » 22 $7,620,000 $346,364 $6,570 3.20%
    Native Hawaiian or Islander » 14 $4,760,000 $340,000 $5,644 3.21%
    Filipino » 9 $2,755,000 $306,111 $5,327 3.00%
    Not applicable » 9 $2,505,000 $278,333 $4,711 2.89%
    Korean » 4 $1,460,000 $365,000 $3,894 3.09%
    Chinese » 4 $640,000 $160,000 $4,042 3.72%
    Other Asian » 2 $440,000 $220,000 $8,072 2.75%
    Samoan » 1 $395,000 $395,000 $12,664 3.50%

    Approval Rates

    Total approvals of all applications
    97.83%

    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 origination
    76.85%

    Highlands Residential Mortgage Ltd. has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 16,256 $4,627,300,000 $284,652

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    » 16,256 $4,627,300,000 $284,652

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% » 581 $121,005,000 $208,270 $3,619 2.85%
    40-60% » 1,811 $487,255,000 $269,053 $3,869 2.93%
    60-80% » 6,053 $1,759,205,000 $290,634 $4,473 3.21%
    80-100% » 7,389 $2,176,345,000 $294,539 $5,970 3.17%
    Over 100% » 195 $75,445,000 $386,897 $14,486 3.02%
    Under 20% » 225 $7,075,000 $31,444 $635 1.73%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    HIGHLANDS RESIDENTIAL MORTGAGE Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 3 27.3%
    HIGHLANDS RESIDENTIAL MORTGAGE Conventional home mortgage Closing on a mortgage 1 9.1%
    HIGHLANDS RESIDENTIAL MORTGAGE Conventional home mortgage Trouble during payment process 4 36.4%
    HIGHLANDS RESIDENTIAL MORTGAGE FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 9.1%
    HIGHLANDS RESIDENTIAL MORTGAGE FHA mortgage Trouble during payment process 1 9.1%
    HIGHLANDS RESIDENTIAL MORTGAGE VA mortgage Struggling to pay mortgage 1 9.1%