Highland Homeloans in Texas vs the state
3.1%Denial rate-16.36 pts vs state
3.1%Decision denial rate-21.83 pts vs state
85.8%Origination rate+30.87 pts vs state
5.49%Median rate-1.01 pts vs state
-1.12Rate spread (pts)-1.31 pts vs state
$176kMedian applicant income
391Loans originated
14Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 479 | 396 | 3.1% | 6.13% | #258 |
| 2024 | 597 | 514 | 2.2% | 6.38% | #227 |
| 2025 | 456 | 391 | 3.1% | 5.49% | #276 |
What Highland Homeloans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Highland Homeloans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Denton County | 87 | 78 | 1 | 1.1% |
| Harris County | 43 | 38 | 2 | 4.7% |
| Williamson County | 39 | 32 | 3 | 7.7% |
| Fort Bend County | 35 | 30 | 1 | 2.9% |
| Collin County | 34 | 30 | 0 | 0.0% |
| Montgomery County | 28 | 25 | 0 | 0.0% |
| Rockwall County | 25 | 19 | 2 | 8.0% |
| Grayson County | 24 | 17 | 0 | 0.0% |
| Brazoria County | 17 | 16 | 0 | 0.0% |
| Comal County | 16 | 13 | 1 | 6.3% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 456 applications in 2025, of which 391 were originated and 14 denied.
3.1% of all applications, or 3.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Highland Homeloans originated in Texas in 2025 was 5.49%, against a statewide median of 6.50%.
About this data. Figures are Highland Homeloans's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology