Highlands Residential Mortgage Ltd. Rates, Fees & Info
AUSTIN, TXLEI: 549300KHXD7JSQUZIJ22
Tax ID: 75-2269700
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Mortgage Data
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. (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 | 6.80% | 11/17/24 |
| 30 Year Conventional Refi | 6.77% | 11/17/24 |
| 30 Year Cash-out Refi | 6.92% | 11/17/24 |
| 30 Year FHA Purchase | 7.58% | 11/17/24 |
| 30 Year FHA Refi | 7.19% | 11/17/24 |
| 30 Year VA Purchase | 6.38% | 11/17/24 |
| 30 Year VA Refi | 6.21% | 11/17/24 |
| 30 Year USDA Purchase | 6.95% | 11/17/24 |
| 30 Year USDA Refi | 6.27% | 11/17/24 |
| 15 Year Conventional Purchase | 5.25% | 11/17/24 |
| 15 Year Conventional Refi | 6.19% | 11/17/24 |
| 15 Year Cash-out Refi | 6.19% | 11/17/24 |
| 15 Year FHA Purchase | 7.81% | 11/17/24 |
| 15 Year FHA Refi | 5.68% | 11/17/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
16,256Origination Dollar Volume (All Markets)
$4,627,300,000Awards
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HIGHLANDS RESIDENTIAL MORTGAGE LTD. - 2021
HIGHLANDS RESIDENTIAL MORTGAGE LTD. is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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, KY (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% |
| Cañon 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% |
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Product Mix
For 2021, Highlands Residential Mortgage Ltd.'s most frequently originated type of loan was Conventional, with 13,369 originations. Their 2nd most popular type was FHA, with 1,752 originations.
Loan Reason
For 2021, Highlands Residential Mortgage Ltd.'s most frequently cited loan purpose was Home Purchase, with 10,155 originations. The 2nd most popular reason was Refi, with 3,540 originations.
Loan Duration/Length
For 2021, Highlands Residential Mortgage Ltd.'s most frequently cited loan duration was 30 Year, with 14,506 originations. The 2nd most popular length was 15 Year, with 1,157 originations.
Origination Fees/Closing Costs
Highlands Residential Mortgage Ltd.'s average total fees were $5,330, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 11,074 originations.
Interest Rates
During 2021, Highlands Residential Mortgage Ltd.'s average interest rate for loans was 3.19%, while their most frequently originated rate bucket for loans was 3-4%, with 8,506 originations.
Loan Sizing
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
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
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
Approval Rates
Total approvals of all applications97.83%
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 origination76.85%
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
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% |