Highland Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
30th15.5% deniedProcesswithdrawn + incomplete share, weight 15%
64th8.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 519 | 363 | 17.7% | 18.1% | — | $45M |
| 2024 | 463 | 319 | 16.2% | 17.8% | — | $41M |
| 2025 | 489 | 352 | 14.1% | 15.5% | — | $52M |
What Highland Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 40 investment properties.
Who gets approved at Highland Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 78 | 46 | 29.0% |
| $100k – $150k | 110 | 79 | 14.9% |
| $150k – $250k | 157 | 119 | 9.7% |
| Over $250k | 93 | 69 | 13.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 48 | 33 | 15.9% |
| 35–44 | 144 | 98 | 16.5% |
| 45–54 | 125 | 92 | 17.8% |
| 55–64 | 70 | 54 | 9.5% |
| 65–74 | 50 | 32 | 20.0% |
| Over 74 | 20 | 12 | 27.8% |
Where Highland Bank lends
3 states and 40 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Highland Bank denied 15.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 30th percentile of small mortgage lenders.
In 2025, 8% of its applications were for home purchases, 30% for refinancing (including cash-out), and 62% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.