Purchase Originations
5,490
Ranked #88 nationally
Median Total Costs
$8,509
+27.4% vs national ($6,680)
↓ $133 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$3,232
Median Lender Credits
$300
Cost Rank (500+ vol.)
#473
among lenders with 500+ originations
Denial Rate
1.6%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,964 | 6.625% | $6,824 | $3,357 |
| fha | 1,880 | 6.500% | $11,833 | $3,509 |
| va | 535 | 6.375% | $5,692 | $150 |
| usda | 111 | 6.375% | $7,156 | $2,601 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 2,602 | 6.625% | $10,226 | #18 |
| North Carolina | 833 | 6.624% | $7,166 | #33 |
| Arkansas | 523 | 6.625% | $6,167 | #11 |
| Tennessee | 383 | 6.624% | $7,526 | #46 |
| Washington | 238 | 6.625% | $7,650 | #56 |
| Idaho | 134 | 6.375% | $11,550 | #40 |
| Colorado | 95 | 6.750% | $5,824 | #109 |
| Florida | 90 | 6.625% | $8,503 | #245 |
| Michigan | 84 | 6.750% | $5,191 | #120 |
| Indiana | 74 | 6.624% | $3,952 | #146 |
| Georgia | 70 | 6.625% | $8,051 | #170 |
| Louisiana | 67 | 6.625% | $6,962 | #69 |
| Nevada | 60 | 6.375% | $9,436 | #84 |
| Maryland | 49 | 6.625% | $10,274 | — |
| South Carolina | 38 | 6.500% | $7,826 | — |
| Oklahoma | 32 | 6.625% | $7,769 | — |
| Arizona | 29 | 6.625% | $5,060 | — |
| Virginia | 22 | 6.312% | $8,674 | — |
| Alabama | 18 | 6.750% | $7,369 | — |
| Missouri | 18 | 6.562% | $5,070 | — |
| District of Columbia | 4 | 6.058% | $15,208 | — |
| Kentucky | 4 | 6.250% | $5,917 | — |
| Ohio | 4 | 6.745% | $6,718 | — |
| Oregon | 4 | 6.938% | $6,794 | — |
| Pennsylvania | 4 | 6.745% | $8,679 | — |
| California | 3 | 6.490% | $7,299 | — |
| Illinois | 1 | 6.375% | $5,189 | — |
| Mississippi | 1 | 6.875% | $4,092 | — |
| Nebraska | 1 | 7.125% | $4,687 | — |
| New Jersey | 1 | 5.624% | $27,142 | — |
| New Mexico | 1 | 6.000% | $8,104 | — |
| Utah | 1 | 6.624% | $4,646 | — |
| Wisconsin | 1 | 6.624% | $6,630 | — |
| West Virginia | 1 | 6.125% | $5,524 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,835 | 6.625% | — | 70 | −$4,674 | |
| 2 | $5,794 | 6.750% | — | 83 | −$2,715 | |
| 3 | $6,132 | 6.495% | — | 62 | −$2,377 | |
| 4 | $6,623 | 6.625% | — | 184 | −$1,886 | |
| 5 | $6,684 | 6.500% | — | 76 | −$1,825 | |
| 6 | $7,591 | 6.500% | — | 170 | −$918 | |
| 7 | $7,956 | 6.490% | — | 103 | −$553 | |
| 8 | $9,390 | 6.625% | — | 159 | +$881 | |
| 9 | $9,492 | 6.375% | — | 77 | +$983 | |
| 10 | $10,296 | 6.500% | — | 246 | +$1,787 | |
| 11 | $10,576 | 6.250% | — | 63 | +$2,067 | |
| 12 | $10,618 | 6.490% | — | 227 | +$2,109 | |
| 13 | $10,625 | 6.375% | — | 57 | +$2,116 | |
| 14 | $10,914 | 6.500% | — | 99 | +$2,405 | |
| 15 | $11,145 | 6.500% | — | 162 | +$2,636 | |
| 16 | $11,169 | 6.562% | — | 194 | +$2,660 | |
| 17 | $11,332 | 6.625% | — | 238 | +$2,823 | |
| 18 | $11,566 | 6.375% | — | 56 | +$3,057 | |
| 19 | $11,762 | 6.624% | — | 73 | +$3,253 | |
| 20 | $11,837 | 6.750% | — | 56 | +$3,328 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Highlands Residential Mortgage, LTD. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $8,509 | $7,127 | +$1,382 (+19.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.