Highlands Residential Mortgage in Florida vs the state
6.1%Denial rate-14.97 pts vs state
7.6%Decision denial rate-19.69 pts vs state
70.1%Origination rate+17.36 pts vs state
6.75%Median rate+0.13 pts vs state
0.41Rate spread (pts)+0.14 pts vs state
$129kMedian applicant income
138Loans originated
12Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,296 | 810 | 4.1% | 6.75% | #123 |
| 2024 | 863 | 497 | 6.4% | 6.88% | #172 |
| 2025 | 197 | 138 | 6.1% | 6.75% | #368 |
What Highlands Residential Mortgage lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lee County | 52 | 41 | 2 | 3.8% |
| Miami-Dade County | 36 | 26 | 3 | 8.3% |
| Palm Beach County | 29 | 17 | 3 | 10.3% |
| Pasco County | 12 | 6 | 1 | 8.3% |
| Broward County | 10 | 7 | 1 | 10.0% |
| Hernando County | 8 | 7 | 0 | 0.0% |
| Walton County | 6 | 4 | 0 | 0.0% |
| Pinellas County | 4 | 3 | 0 | 0.0% |
| Collier County | 4 | 4 | 0 | 0.0% |
| Martin County | 3 | 2 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 197 applications in 2025, of which 138 were originated and 12 denied.
6.1% of all applications, or 7.6% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Highlands Residential Mortgage originated in Florida in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Highlands Residential Mortgage's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology