Highlands Residential Mortgage in North Carolina vs the state
3.4%Denial rate-14.71 pts vs state
4.0%Decision denial rate-18.85 pts vs state
74.9%Origination rate+17.05 pts vs state
6.63%Median rate+0.13 pts vs state
0.31Rate spread (pts)+0.22 pts vs state
$97kMedian applicant income
1,185Loans originated
53Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,546 | 1,172 | 4.2% | 6.75% | #58 |
| 2024 | 1,648 | 1,235 | 2.1% | 6.75% | #52 |
| 2025 | 1,583 | 1,185 | 3.4% | 6.63% | #62 |
What Highlands Residential Mortgage lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Forsyth County | 312 | 232 | 7 | 2.2% |
| Guilford County | 269 | 218 | 3 | 1.1% |
| Catawba County | 101 | 73 | 0 | 0.0% |
| Mecklenburg County | 86 | 73 | 0 | 0.0% |
| Davidson County | 82 | 58 | 4 | 4.9% |
| Alamance County | 61 | 44 | 4 | 6.6% |
| Henderson County | 59 | 35 | 6 | 10.2% |
| Iredell County | 50 | 36 | 4 | 8.0% |
| Caldwell County | 48 | 33 | 3 | 6.3% |
| Davie County | 37 | 27 | 3 | 8.1% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 1,583 applications in 2025, of which 1,185 were originated and 53 denied.
3.4% of all applications, or 4.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Highlands Residential Mortgage originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Highlands Residential Mortgage's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology