Highlands Residential Mortgage, Ltd. mortgage approval rate & lending review
Highlands Residential Mortgage, Ltd. decided 17,219 mortgage applications and funded 16,105 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Highlands Residential Mortgage, Ltd. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to highlandsmortgage.com.
Highlands Residential Mortgage, Ltd. at a glance
Approval is 10.9 points above the 86.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 14,114 / 14,479 | 96% | $315K | 13,590 |
| Cash-out refinance | 93% | 652 / 698 | 95% | $265K | 619 |
| Refinance | 95% | 530 / 559 | 96% | $405K | 508 |
| Investment property purchase | 97% | 1,123 / 1,159 | 97% | $215K | 1,090 |
| Investment cash-out refinance | 96% | 203 / 211 | 98% | $185K | 198 |
| Investment refinance | 96% | 108 / 113 | 93% | $215K | 100 |
Highlands Residential Mortgage, Ltd. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 98% | $325K | 7,138 | 6,763 |
| North Carolina | 97% | $265K | 3,154 | 2,913 |
| Florida | 93% | $315K | 1,604 | 1,412 |
| Tennessee | 97% | $315K | 1,263 | 1,152 |
| Arkansas | 99% | $215K | 1,121 | 1,074 |
| Washington | 98% | $525K | 400 | 387 |
| Colorado | 95% | $485K | 392 | 362 |
| Michigan | 98% | $275K | 378 | 364 |
| Idaho | 98% | $305K | 268 | 257 |
| Nevada | 98% | $385K | 268 | 255 |
| Indiana | 98% | $305K | 248 | 232 |
| Arizona | 98% | $355K | 205 | 193 |
| Maryland | 95% | $325K | 146 | 136 |
| South Carolina | 99% | $245K | 142 | 135 |
| Louisiana | 99% | $255K | 80 | 79 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Highlands Residential Mortgage, Ltd. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Collin County, TX | Mortgage lenders | 99% | 737 | 709 |
| Tarrant County, TX | Mortgage lenders | 99% | 669 | 649 |
| Midland County, TX | Mortgage lenders | 99% | 643 | 619 |
| Harris County, TX | Mortgage lenders | 98% | 644 | 605 |
| Forsyth County, NC | Mortgage lenders | 97% | 650 | 603 |
| Denton County, TX | Mortgage lenders | 99% | 557 | 528 |
| Dallas County, TX | Mortgage lenders | 98% | 554 | 526 |
| Guilford County, NC | Mortgage lenders | 98% | 517 | 476 |
| Broward County, FL | Mortgage lenders | 89% | 404 | 332 |
| Hamilton County, TN | Mortgage lenders | 96% | 324 | 287 |
| Miami-Dade County, FL | Mortgage lenders | 90% | 322 | 267 |
| Ellis County, TX | Mortgage lenders | 99% | 248 | 240 |
The county markets where Highlands Residential Mortgage, Ltd. made the most loans. Each link opens that market with every lender ranked.
Questions about Highlands Residential Mortgage, Ltd.
What is Highlands Residential Mortgage, Ltd.'s mortgage approval rate?
Highlands Residential Mortgage, Ltd. approved 97.2% of the 17,219 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.9 points above the 86.2% national rate for the same mix of loan types.
How often do borrowers take the loan Highlands Residential Mortgage, Ltd. offers?
Borrowers accepted 96% of the loans Highlands Residential Mortgage, Ltd. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Highlands Residential Mortgage, Ltd. make?
The typical home purchase mortgage loan Highlands Residential Mortgage, Ltd. made was $315K; across all loan types its typical loan ran from $185K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Highlands Residential Mortgage, Ltd. lend?
Highlands Residential Mortgage, Ltd. decided applications in 36 of the states Fat Boy Data covers, most of them in Texas, North Carolina and Florida.
Can I apply to Highlands Residential Mortgage, Ltd. directly?
Yes. Highlands Residential Mortgage, Ltd. reports as a direct lender that takes applications from borrowers. Its website is highlandsmortgage.com.
Does this page show Highlands Residential Mortgage, Ltd.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Highlands Residential Mortgage, Ltd. treats applications, then get a rate quote from the lender.