Applications / Mortgage Analytics / Lenders / Texas / Highlands Residential Mortgage
Allen, TX · Independent non-bank lender · CFPB · 7,038 loans in 2025
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7,038
loans originated, 2025
9,523
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Highlands Residential Mortgage, a Texas home-purchase lender in the HMDA record since 1990, ranked 18 of 1,026 lenders in Dallas-Fort Worth-Arlington, with originations flat in 2025 at 7,038.
It has reported under HMDA since the public data begin in 1990 and has lent in Dallas-Fort Worth-Arlington since 1994. It ranked 15 of 831 in non-metro Texas and 13 of 465 in Winston-Salem, where its share rose to 2.2% from 2.1%. Purchases made up 87.9% of its lending.
Originations rose 1% from 6,990, against 13% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. Five years earlier, when its typical rate was 3.00%, it made 18,213. Flat volume beside growing peers could reflect conditions in its Texas markets or choices about where to grow; the data do not say which.
It made 23.4% of its loans to LMI (low- and moderate-income) borrowers, against 29.9%, and 16.0% in LMI areas, against 20.5%, lower than about five in six similar lenders. Its loan mix was close to theirs, so the mix of areas in its Texas markets is one possible reason. RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) were 1.6%, against 0.6%.
It turned down 1.8% of first-lien home-purchase applications on owner-occupied homes, against 4.7%, lower than about nine in ten similar lenders, and 3.3% of refinance applications, against 8.6%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Highlands Residential Mortgage took 9,523 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.9% · Refinance 12.1%
Conventional 61.7% · FHA 28.5% · VA 8.3% · USDA (RHS or FSA) 1.6% · of 7,038 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 3,092 | 43.9% |
| North Carolina | 1,185 | 16.8% |
| Arkansas | 673 | 9.6% |
| Tennessee | 487 | 6.9% |
| Washington | 339 | 4.8% |
| Idaho | 193 | 2.7% |
| Florida | 138 | 2.0% |
| Colorado | 126 | 1.8% |
| Michigan | 123 | 1.7% |
| Indiana | 91 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 992 |
| Fort Worth-Arlington-Grapevine | 477 |
| Winston-Salem | 349 |
| Houston-Pasadena-The Woodlands | 340 |
| Greensboro-High Point | 261 |
| Midland | 260 |
| Nashville-Davidson--Murfreesboro--Franklin | 247 |
| Fort Smith | 196 |
| Charlotte-Concord-Gastonia | 183 |
| Chattanooga | 176 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KHXD7JSQUZIJ22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4437770 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7752269700 | |
| Respondent ID (the HMDA filer code before 2018) | 77287300001 | 1990–2001 |
Established 14 February 1989. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Highlands Residential Mortgage's data.
Highlands Residential Mortgage's data
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Highlands Residential Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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