Lenders › Highlands Residential Mortgage, Ltd. › Texas
Highlands Residential Mortgage, Ltd. in Texas
HMDA record for properties in Texas, calendar year 2024. National record · Texas overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Highlands Residential Mortgage, Ltd.'s 2024 HMDA record for Texas covers 3,886 applications, 2,791 of them originated, worth $986m.
Its denial rate in the state was 2.2%, below the Texas rate of 26.0% across all lenders and compared with the lender's national rate of 2.8%.
The median rate spread on its Texas originations was 0.5 percentage points (state median 0.2).
Applications in the state were up 23% on 2023.
Compared with the state and the lender's national record
| Measure | In Texas | Texas, all lenders | Highlands Residential Mortgage, Ltd., all states | United States |
|---|---|---|---|---|
| Denial rate | 2.2% | 26.0% | 2.8% | 24.3% |
| Median rate spread, pp | 0.5 | 0.2 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.1% | 11.8% | 4.6% | 15.6% |
| Average originated loan | $353k | $350k | $320k | $329k |
| Home purchase share | 92.5% | 72.8% | 91.9% | 57.0% |
| FHA-insured share | 33.5% | 19.8% | 27.1% | 13.4% |
| VA-guaranteed share | 8.0% | 10.4% | 7.2% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTexas, all lenders
Loan purpose and loan type in Texas
By purpose
Home purchase 92% (2,581)Refinancing 3% (95)Cash-out refinancing 4% (115)
By type
Conventional 58% (1,605)FHA 33% (934)VA 8% (224)USDA 1% (28)
Denial reasons as coded
Share of 64 denials in Texas by first denial reason coded (outlined bar: all lenders in the state).
Counties in Texas
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Midland County | 339 | 267 | $76m | 1.1% |
| Tarrant County | 356 | 257 | $89m | 0.4% |
| Collin County | 355 | 255 | $120m | 0.4% |
| Dallas County | 376 | 242 | $101m | 3.5% |
| Harris County | 305 | 223 | $71m | 2.5% |
| Denton County | 253 | 203 | $85m | 1.9% |
| Bexar County | 115 | 93 | $29m | 1.0% |
| Ellis County | 131 | 89 | $34m | 0.0% |
| Ector County | 85 | 59 | $14m | 10.1% |
| Parker County | 81 | 59 | $23m | 3.2% |
| Montgomery County | 71 | 52 | $20m | 1.8% |
| Johnson County | 63 | 46 | $16m | 2.1% |
| Cameron County | 67 | 44 | $11m | 6.4% |
| Smith County | 56 | 42 | $12m | 4.3% |
| Kaufman County | 51 | 42 | $15m | 2.3% |
| Grayson County | 67 | 41 | $15m | 0.0% |
| Angelina County | 44 | 37 | $8.2m | 0.0% |
| Hunt County | 53 | 36 | $11m | 2.6% |
| Wise County | 51 | 36 | $15m | 0.0% |
| Bowie County | 46 | 36 | $9.2m | 5.1% |
| Rockwall County | 52 | 35 | $14m | 5.3% |
| Andrews County | 35 | 29 | $7.1m | 0.0% |
| Brazoria County | 32 | 23 | $8.1m | — |
| Galveston County | 31 | 21 | $6.2m | — |
| Fort Bend County | 30 | 21 | $8.3m | — |
| Williamson County | 29 | 19 | $10m | — |
| Travis County | 37 | 18 | $8.1m | — |
| Cooke County | 26 | 18 | $6.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Highlands Residential Mortgage, Ltd. originate in Texas in 2024?
2,791 loans totalling $986m, from 3,886 applications reported for properties in Texas.
What is Highlands Residential Mortgage, Ltd.'s denial rate in Texas?
2.2% of decided applications in Texas were denied, against 26.0% for all lenders in the state and 2.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Texas counties does Highlands Residential Mortgage, Ltd. lend in most?
By originations: Midland County (267), Tarrant County (257), Collin County (255), Dallas County (242), Harris County (223).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Texas. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.