Lender in Texas · HMDA 2025
Highlands Residential Mortgage, Ltd. mortgages in Texas
Highlands Residential Mortgage, Ltd.'s 2025 home-purchase and refinance lending in Texas, compared with all lenders in the state.
Highlands Residential Mortgage, Ltd. originated 2,825 owner-occupied single-family loans in Texas from 3,012 completed applications, making it the state's #22 lender by volume.
Its median conventional purchase loan costs were $8,230 versus $6,860 for all Texas lenders, at a median 30-year fixed rate of 6.625% (Texas: 6.50%).
Loans in TX
2,825
of 3,012 applications
Denial rate
1.6%
Purchase · TX 10.2%
Rate spread
+0.25 pts
Conv. · TX +0.09 pts
Loan amount
$315,000
Purchase · TX $315,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,739 | 2,571 | 1.6% | 6.625% | +0.25 pts | $8,230 | $315,000 |
| Refinance | 155 | 145 | 2.6% | 6.500% | +0.16 pts | $8,820 | $385,000 |
| Cash-out refinance | 118 | 109 | 1.7% | 6.990% | +0.48 pts | $8,160 | $335,000 |
*Conventional loans only; medians with at least 20 loans.
Texas counties where Highlands Residential Mortgage, Ltd. ranks in the top 25
Showing the 30 counties where it ranks highest, of 73.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Camp County | 1 | 11 | 8.6% |
| Mitchell County | 1 | 5 | 10.6% |
| Upton County | 1 | 4 | 21.1% |
| Andrews County | 2 | 21 | 8.8% |
| Willacy County | 2 | 8 | 13.3% |
| Pecos County | 2 | 7 | 8.1% |
| Midland County | 3 | 249 | 7.4% |
| Polk County | 3 | 18 | 5.3% |
| Titus County | 3 | 17 | 7.7% |
| Cass County | 3 | 15 | 6.3% |
| Somervell County | 4 | 6 | 4.8% |
| Winkler County | 4 | 4 | 9.8% |
| Crane County | 4 | 2 | 8.7% |
| Morris County | 5 | 8 | 6.2% |
| Sabine County | 5 | 7 | 9.1% |
| Franklin County | 5 | 6 | 5.2% |
| San Augustine County | 5 | 2 | 5.1% |
| Wharton County | 6 | 11 | 3.6% |
| Gaines County | 6 | 8 | 3.0% |
| Scurry County | 6 | 5 | 4.2% |
| Collingsworth County | 6 | 1 | 9.1% |
| Presidio County | 6 | 1 | 7.1% |
| Reagan County | 6 | 1 | 11.1% |
| Hunt County | 7 | 48 | 2.6% |
| Bowie County | 8 | 38 | 4.5% |
| Angelina County | 8 | 20 | 3.1% |
| Coke County | 8 | 1 | 5.6% |
| Wise County | 9 | 45 | 2.7% |
| Cooke County | 9 | 12 | 2.1% |
| Nacogdoches County | 9 | 11 | 2.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology