Highlands Residential Mortgage in Texas vs the state
1.4%Denial rate-18.07 pts vs state
1.8%Decision denial rate-23.14 pts vs state
72.3%Origination rate+17.45 pts vs state
6.63%Median rate+0.13 pts vs state
0.41Rate spread (pts)+0.22 pts vs state
$128kMedian applicant income
3,092Loans originated
58Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,157 | 2,233 | 1.6% | 6.88% | #59 |
| 2024 | 3,886 | 2,791 | 1.7% | 6.63% | #49 |
| 2025 | 4,275 | 3,092 | 1.4% | 6.63% | #45 |
What Highlands Residential Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Collin County | 408 | 300 | 3 | 0.7% |
| Tarrant County | 387 | 275 | 4 | 1.0% |
| Denton County | 338 | 228 | 2 | 0.6% |
| Dallas County | 332 | 215 | 4 | 1.2% |
| Midland County | 309 | 258 | 2 | 0.6% |
| Harris County | 253 | 186 | 8 | 3.2% |
| Ellis County | 149 | 108 | 1 | 0.7% |
| Bexar County | 115 | 84 | 1 | 0.9% |
| Johnson County | 106 | 80 | 1 | 0.9% |
| Parker County | 102 | 76 | 3 | 2.9% |
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: 4,275 applications in 2025, of which 3,092 were originated and 58 denied.
1.4% of all applications, or 1.8% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Highlands Residential Mortgage originated in Texas 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 Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology