Highlands Residential Mortgage, Ltd. Mortgage Lending & HMDA Data, 2025

In 2025, Highlands Residential Mortgage, Ltd. of Allen, TX reported 9,523 mortgage applications totaling $3.2 billion, down 2% from 2024. The average application was for $339,404, and applicants reported an average income of $154,069. 74% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Dallas-Plano-Irving, TX (1,429), Fort Worth-Arlington, TX (658) and Winston-Salem, NC (472) (applications in parentheses).

Mortgage Company & Address Highlands Residential Mortgage, Ltd.
950 W Bethany Dr Ste 800
Allen, TX 75013
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 9,523
Total Mortgage Loan Application Amount $3,232,145,000
Average Mortgage Loan Application Amount $339,404
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $154,069
Highest Applicant Income $5,554,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Highlands Residential Mortgage, Ltd. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Highlands Residential Mortgage, Ltd. by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Collin, Texas 408 $ 184,670,000 $ 452,622 $ 218,000
Tarrant, Texas 387 $ 137,645,000 $ 355,671 $ 157,000
Denton, Texas 338 $ 161,430,000 $ 477,603 $ 244,000
Dallas, Texas 332 $ 144,160,000 $ 434,216 $ 210,000
Forsyth, North Carolina 312 $ 82,870,000 $ 265,608 $ 123,000
Midland, Texas 309 $ 97,145,000 $ 314,385 $ 157,000
Guilford, North Carolina 269 $ 92,355,000 $ 343,327 $ 153,000
Harris, Texas 253 $ 82,935,000 $ 327,806 $ 165,000
Hamilton, Tennessee 177 $ 58,655,000 $ 331,384 $ 136,000
Ellis, Texas 149 $ 52,875,000 $ 354,865 $ 146,000
Clallam, Washington 134 $ 48,820,000 $ 364,328 $ 139,000
Crawford, Arkansas 124 $ 24,890,000 $ 200,725 $ 86,000
Benton, Arkansas 120 $ 38,910,000 $ 324,250 $ 154,000
Bexar, Texas 115 $ 32,305,000 $ 280,913 $ 140,000
Sebastian, Arkansas 107 $ 19,365,000 $ 180,981 $ 83,000
Johnson, Texas 106 $ 34,440,000 $ 324,905 $ 156,000
Parker, Texas 102 $ 41,530,000 $ 407,156 $ 163,000
Bonneville, Idaho 101 $ 29,715,000 $ 294,207 $ 110,000
Catawba, North Carolina 101 $ 19,905,000 $ 197,079 $ 84,000
Cameron, Texas 101 $ 27,485,000 $ 272,128 $ 189,000
Clark, Nevada 94 $ 36,440,000 $ 387,659 $ 122,000
Mecklenburg, North Carolina 86 $ 35,130,000 $ 408,488 $ 166,000
Rockwall, Texas 85 $ 43,775,000 $ 515,000 $ 192,000
Davidson, North Carolina 82 $ 19,830,000 $ 241,829 $ 112,000
Pulaski, Arkansas 80 $ 18,320,000 $ 229,000 $ 129,000
King, Washington 80 $ 51,210,000 $ 640,125 $ 253,000
Sumner, Tennessee 79 $ 30,095,000 $ 380,949 $ 177,000
Grays Harbor, Washington 77 $ 19,355,000 $ 251,363 $ 121,000
Ector, Texas 76 $ 19,810,000 $ 260,657 $ 113,000
Davidson, Tennessee 75 $ 34,255,000 $ 456,733 $ 184,000
Montgomery, Texas 75 $ 25,605,000 $ 341,400 $ 158,000
Hunt, Texas 74 $ 23,830,000 $ 322,027 $ 146,000
Washington, Arkansas 73 $ 20,825,000 $ 285,273 $ 122,000
Union, Arkansas 69 $ 15,105,000 $ 218,913 $ 118,000
Wise, Texas 63 $ 26,625,000 $ 422,619 $ 149,000
Alamance, North Carolina 61 $ 24,085,000 $ 394,836 $ 152,000
Henderson, North Carolina 59 $ 18,745,000 $ 317,711 $ 103,000
Smith, Texas 59 $ 20,515,000 $ 347,711 $ 140,000
Williamson, Texas 59 $ 25,965,000 $ 440,084 $ 247,000
Livingston, Michigan 58 $ 19,560,000 $ 337,241 $ 151,000
Williamson, Tennessee 57 $ 41,575,000 $ 729,385 $ 305,000
Grayson, Texas 54 $ 21,870,000 $ 405,000 $ 163,000
Lee, Florida 52 $ 15,920,000 $ 306,153 $ 124,000
Iredell, North Carolina 50 $ 11,390,000 $ 227,800 $ 107,000
Yavapai, Arizona 48 $ 16,320,000 $ 340,000 $ 121,000
Hamilton, Indiana 48 $ 19,430,000 $ 404,791 $ 188,000
Caldwell, North Carolina 48 $ 8,700,000 $ 181,250 $ 77,000
Calcasieu, Louisiana 47 $ 8,305,000 $ 176,702 $ 85,000
Travis, Texas 46 $ 24,500,000 $ 532,608 $ 262,000
Snohomish, Washington 46 $ 24,220,000 $ 526,521 $ 156,000
Bowie, Texas 45 $ 10,615,000 $ 235,888 $ 105,000
Kaufman, Texas 43 $ 15,145,000 $ 352,209 $ 141,000
Maury, Tennessee 39 $ 12,315,000 $ 315,769 $ 136,000
Brazoria, Texas 38 $ 11,770,000 $ 309,736 $ 136,000
Davie, North Carolina 37 $ 10,485,000 $ 283,378 $ 110,000
Miami-Dade, Florida 36 $ 14,900,000 $ 413,888 $ 217,000
New Hanover, North Carolina 36 $ 12,180,000 $ 338,333 $ 143,000
Randolph, North Carolina 36 $ 10,730,000 $ 298,055 $ 131,000
Bonner, Idaho 35 $ 14,955,000 $ 427,285 $ 188,000
Tom Green, Texas 34 $ 8,610,000 $ 253,235 $ 98,000
Angelina, Texas 33 $ 7,165,000 $ 217,121 $ 99,000
Bingham, Idaho 32 $ 9,860,000 $ 308,125 $ 146,000
Burke, North Carolina 32 $ 5,060,000 $ 158,125 $ 103,000
Bell, Texas 32 $ 8,250,000 $ 257,812 $ 110,000
Catoosa, Georgia 31 $ 8,785,000 $ 283,387 $ 108,000
Marshall, Tennessee 31 $ 8,845,000 $ 285,322 $ 102,000
Rutherford, Tennessee 31 $ 13,805,000 $ 445,322 $ 200,000
Andrews, Texas 31 $ 9,415,000 $ 303,709 $ 131,000
Liberty, Texas 31 $ 7,865,000 $ 253,709 $ 124,000
Stokes, North Carolina 30 $ 6,570,000 $ 219,000 $ 96,000
Polk, Texas 30 $ 6,030,000 $ 201,000 $ 149,000
Jefferson, Colorado 29 $ 16,025,000 $ 552,586 $ 212,000
Palm Beach, Florida 29 $ 18,785,000 $ 647,758 $ 397,000
Marion, Indiana 28 $ 5,390,000 $ 192,500 $ 119,000
Titus, Texas 28 $ 8,560,000 $ 305,714 $ 112,000
Miller, Arkansas 27 $ 6,155,000 $ 227,962 $ 89,000
Walker, Georgia 27 $ 6,585,000 $ 243,888 $ 100,000
Fort Bend, Texas 27 $ 11,995,000 $ 444,259 $ 238,000
Nueces, Texas 27 $ 7,765,000 $ 287,592 $ 145,000
Jefferson, Idaho 26 $ 7,560,000 $ 290,769 $ 115,000
Prince George's, Maryland 26 $ 9,930,000 $ 381,923 $ 136,000
Wilkes, North Carolina 26 $ 4,670,000 $ 179,615 $ 86,000
Craighead, Arkansas 25 $ 5,015,000 $ 200,600 $ 91,000
Garland, Arkansas 25 $ 4,055,000 $ 162,200 $ 105,000
Wayne, Michigan 25 $ 5,415,000 $ 216,600 $ 113,000
Buncombe, North Carolina 25 $ 8,655,000 $ 346,200 $ 141,000
Brunswick, North Carolina 24 $ 8,130,000 $ 338,750 $ 167,000
Nacogdoches, Texas 24 $ 4,980,000 $ 207,500 $ 103,000
Kitsap, Washington 24 $ 11,860,000 $ 494,166 $ 152,000
Arapahoe, Colorado 23 $ 10,065,000 $ 437,608 $ 169,000
Oakland, Michigan 23 $ 8,605,000 $ 374,130 $ 155,000
Gaston, North Carolina 23 $ 6,665,000 $ 289,782 $ 115,000
Cooke, Texas 23 $ 8,815,000 $ 383,260 $ 136,000
Little River, Arkansas 22 $ 3,290,000 $ 149,545 $ 78,000
Douglas, Colorado 22 $ 12,260,000 $ 557,272 $ 204,000
Denver, Colorado 21 $ 13,855,000 $ 659,761 $ 244,000
Baltimore City, Maryland 21 $ 5,255,000 $ 250,238 $ 221,000
Union, North Carolina 21 $ 8,595,000 $ 409,285 $ 145,000
Alexander, North Carolina 20 $ 5,670,000 $ 283,500 $ 102,000
Rockingham, North Carolina 20 $ 3,990,000 $ 199,500 $ 97,000
Camp, Texas 20 $ 4,280,000 $ 214,000 $ 149,000
Cass, Texas 20 $ 3,830,000 $ 191,500 $ 85,000
Hood, Texas 20 $ 6,970,000 $ 348,500 $ 138,000
Saline, Arkansas 19 $ 3,935,000 $ 207,105 $ 94,000
Spartanburg, South Carolina 19 $ 4,435,000 $ 233,421 $ 90,000
York, South Carolina 19 $ 8,015,000 $ 421,842 $ 152,000
Galveston, Texas 19 $ 6,695,000 $ 352,368 $ 207,000
Hidalgo, Texas 19 $ 4,105,000 $ 216,052 $ 95,000
Wake, North Carolina 18 $ 7,930,000 $ 440,555 $ 223,000
Montgomery, Tennessee 18 $ 5,760,000 $ 320,000 $ 102,000
Robertson, Tennessee 18 $ 6,640,000 $ 368,888 $ 156,000
Franklin, Texas 18 $ 7,690,000 $ 427,222 $ 335,000
Comal, Texas 17 $ 8,585,000 $ 505,000 $ 125,000
Henderson, Texas 17 $ 4,795,000 $ 282,058 $ 112,000
Greene, Arkansas 16 $ 3,260,000 $ 203,750 $ 85,000
Kootenai, Idaho 16 $ 7,930,000 $ 495,625 $ 160,000
Sequoyah, Oklahoma 16 $ 2,760,000 $ 172,500 $ 78,000
Wilson, Tennessee 16 $ 6,330,000 $ 395,625 $ 150,000
Guadalupe, Texas 16 $ 5,230,000 $ 326,875 $ 128,000
East Baton Rouge, Louisiana 15 $ 3,955,000 $ 263,666 $ 173,000
Wood, Texas 15 $ 4,595,000 $ 306,333 $ 138,000
Boulder, Colorado 14 $ 9,040,000 $ 645,714 $ 413,000
Lubbock, Texas 14 $ 2,740,000 $ 195,714 $ 114,000
Upshur, Texas 14 $ 3,040,000 $ 217,142 $ 89,000
Willacy, Texas 14 $ 2,680,000 $ 191,428 $ 90,000
Pierce, Washington 14 $ 6,680,000 $ 477,142 $ 152,000
Crittenden, Arkansas 13 $ 2,035,000 $ 156,538 $ 145,000
Bannock, Idaho 13 $ 3,595,000 $ 276,538 $ 109,000
McLennan, Texas 13 $ 3,365,000 $ 258,846 $ 99,000
Wharton, Texas 13 $ 4,465,000 $ 343,461 $ 177,000
Pasco, Florida 12 $ 3,160,000 $ 263,333 $ 80,000
Bradley, Tennessee 12 $ 2,870,000 $ 239,166 $ 83,000
Erath, Texas 12 $ 4,860,000 $ 405,000 $ 140,000
Navarro, Texas 12 $ 3,080,000 $ 256,666 $ 112,000
Jackson, Alabama 11 $ 2,975,000 $ 270,454 $ 116,000
Columbia, Arkansas 11 $ 2,395,000 $ 217,727 $ 108,000
Boone, Indiana 11 $ 4,275,000 $ 388,636 $ 146,000
Genesee, Michigan 11 $ 2,085,000 $ 189,545 $ 98,000
Washtenaw, Michigan 11 $ 3,535,000 $ 321,363 $ 166,000
Polk, North Carolina 11 $ 3,145,000 $ 285,909 $ 90,000
Yadkin, North Carolina 11 $ 3,145,000 $ 285,909 $ 86,000
Gaines, Texas 11 $ 3,295,000 $ 299,545 $ 141,000
Hays, Texas 11 $ 4,485,000 $ 407,727 $ 216,000
Hill, Texas 11 $ 2,375,000 $ 215,909 $ 102,000
Pecos, Texas 11 $ 2,605,000 $ 236,818 $ 121,000
Maricopa, Arizona 10 $ 3,930,000 $ 393,000 $ 176,000
District of Columbia, District Of Columbia 10 $ 4,320,000 $ 432,000 $ 157,000
Broward, Florida 10 $ 5,120,000 $ 512,000 $ 265,000
Dade, Georgia 10 $ 2,440,000 $ 244,000 $ 93,000
Boundary, Idaho 10 $ 4,430,000 $ 443,000 $ 127,000
Lincoln, North Carolina 10 $ 2,900,000 $ 290,000 $ 121,000
Pender, North Carolina 10 $ 2,460,000 $ 246,000 $ 113,000
Robeson, North Carolina 10 $ 1,610,000 $ 161,000 $ 64,000
Le Flore, Oklahoma 10 $ 2,080,000 $ 208,000 $ 81,000
Dickson, Tennessee 10 $ 2,730,000 $ 273,000 $ 108,000
Knox, Tennessee 10 $ 3,440,000 $ 344,000 $ 110,000
Marion, Tennessee 10 $ 3,810,000 $ 381,000 $ 132,000
Shelby, Tennessee 10 $ 1,250,000 $ 125,000 $ 170,000
Palo Pinto, Texas 10 $ 2,960,000 $ 296,000 $ 151,000
Sabine, Texas 10 $ 2,280,000 $ 228,000 $ 102,000
Somervell, Texas 10 $ 3,230,000 $ 323,000 $ 127,000
Island, Washington 10 $ 3,810,000 $ 381,000 $ 369,000
Thurston, Washington 10 $ 4,290,000 $ 429,000 $ 223,000
Faulkner, Arkansas 9 $ 2,685,000 $ 298,333 $ 107,000
Shoshone, Idaho 9 $ 3,255,000 $ 361,666 $ 141,000
Haywood, North Carolina 9 $ 3,155,000 $ 350,555 $ 126,000
Rutherford, North Carolina 9 $ 2,745,000 $ 305,000 $ 98,000
Surry, North Carolina 9 $ 1,615,000 $ 179,444 $ 80,000
Transylvania, North Carolina 9 $ 2,975,000 $ 330,555 $ 181,000
Marshall, Oklahoma 9 $ 1,935,000 $ 215,000 $ 109,000
Chambers, Texas 9 $ 2,405,000 $ 267,222 $ 149,000
Lamar, Texas 9 $ 1,745,000 $ 193,888 $ 105,000
Morris, Texas 9 $ 1,665,000 $ 185,000 $ 74,000
Jefferson, Washington 9 $ 4,035,000 $ 448,333 $ 126,000
DeKalb, Alabama 8 $ 1,660,000 $ 207,500 $ 86,000
Franklin, Arkansas 8 $ 970,000 $ 121,250 $ 55,000
Lonoke, Arkansas 8 $ 2,100,000 $ 262,500 $ 91,000
Hernando, Florida 8 $ 1,960,000 $ 245,000 $ 80,000
Baltimore, Maryland 8 $ 2,440,000 $ 305,000 $ 90,000
Ingham, Michigan 8 $ 2,700,000 $ 337,500 $ 124,000
Carter, Oklahoma 8 $ 1,380,000 $ 172,500 $ 60,000
Lawrence, Tennessee 8 $ 1,960,000 $ 245,000 $ 81,000
Brazos, Texas 8 $ 2,260,000 $ 282,500 $ 232,000
Cherokee, Texas 8 $ 1,510,000 $ 188,750 $ 83,000
Fannin, Texas 8 $ 3,690,000 $ 461,250 $ 136,000
Upton, Texas 8 $ 1,300,000 $ 162,500 $ 120,000
Ouachita, Arkansas 7 $ 1,275,000 $ 182,142 $ 94,000
Sevier, Arkansas 7 $ 875,000 $ 125,000 $ 66,000
Adams, Colorado 7 $ 2,955,000 $ 422,142 $ 152,000
Larimer, Colorado 7 $ 3,535,000 $ 505,000 $ 284,000
Carroll, Georgia 7 $ 1,975,000 $ 282,142 $ 137,000
Paulding, Georgia 7 $ 2,865,000 $ 409,285 $ 139,000
Whitfield, Georgia 7 $ 1,795,000 $ 256,428 $ 82,000
Jefferson Davis, Louisiana 7 $ 1,195,000 $ 170,714 $ 75,000
Cumberland, North Carolina 7 $ 2,025,000 $ 289,285 $ 97,000
Johnston, North Carolina 7 $ 2,735,000 $ 390,714 $ 132,000
Rowan, North Carolina 7 $ 2,915,000 $ 416,428 $ 125,000
Lucas, Ohio 7 $ 1,145,000 $ 163,571 $ 148,000
Greenville, South Carolina 7 $ 2,575,000 $ 367,857 $ 107,000
Lancaster, South Carolina 7 $ 2,135,000 $ 305,000 $ 147,000
Giles, Tennessee 7 $ 1,555,000 $ 222,142 $ 77,000
Howard, Texas 7 $ 1,595,000 $ 227,857 $ 94,000
Jefferson, Texas 7 $ 1,635,000 $ 233,571 $ 79,000
Kendall, Texas 7 $ 5,885,000 $ 840,714 $ 347,000
Van Zandt, Texas 7 $ 1,545,000 $ 220,714 $ 80,000
Fairfax, Virginia 7 $ 4,315,000 $ 616,428 $ 156,000
Spokane, Washington 7 $ 2,475,000 $ 353,571 $ 134,000
Walton, Florida 6 $ 8,320,000 $ 1,386,666 $ 849,000
Howard, Maryland 6 $ 2,900,000 $ 483,333 $ 112,000
Montgomery, Maryland 6 $ 1,810,000 $ 301,666 $ 169,000
Shiawassee, Michigan 6 $ 1,230,000 $ 205,000 $ 86,000
Cabarrus, North Carolina 6 $ 2,610,000 $ 435,000 $ 128,000
Jackson, North Carolina 6 $ 1,420,000 $ 236,666 $ 86,000
Cuyahoga, Ohio 6 $ 650,000 $ 108,333 $ 159,000
Horry, South Carolina 6 $ 1,660,000 $ 276,666 $ 112,000
Blount, Tennessee 6 $ 2,490,000 $ 415,000 $ 123,000
Lincoln, Tennessee 6 $ 1,480,000 $ 246,666 $ 73,000
Macon, Tennessee 6 $ 980,000 $ 163,333 $ 76,000
Hardin, Texas 6 $ 1,370,000 $ 228,333 $ 88,000
San Jacinto, Texas 6 $ 1,740,000 $ 290,000 $ 139,000
Scurry, Texas 6 $ 1,020,000 $ 170,000 $ 98,000
Ward, Texas 6 $ 1,270,000 $ 211,666 $ 111,000
Carroll, Arkansas 5 $ 955,000 $ 191,000 $ 62,000
Jefferson, Arkansas 5 $ 585,000 $ 117,000 $ 49,000
Mississippi, Arkansas 5 $ 765,000 $ 153,000 $ 52,000
Poinsett, Arkansas 5 $ 875,000 $ 175,000 $ 63,000
Sharp, Arkansas 5 $ 945,000 $ 189,000 $ 78,000
White, Arkansas 5 $ 835,000 $ 167,000 $ 90,000
Butte, Idaho 5 $ 675,000 $ 135,000 $ 85,000
Madison, Idaho 5 $ 1,265,000 $ 253,000 $ 93,000
Hendricks, Indiana 5 $ 1,865,000 $ 373,000 $ 103,000
Anne Arundel, Maryland 5 $ 1,995,000 $ 399,000 $ 218,000
Monroe, Michigan 5 $ 795,000 $ 159,000 $ 81,000
McDonald, Missouri 5 $ 825,000 $ 165,000 $ 49,000
St. Louis, Missouri 5 $ 755,000 $ 151,000 $ 112,000
Colfax, New Mexico 5 $ 2,535,000 $ 507,000 $ 282,000
Sequatchie, Tennessee 5 $ 1,095,000 $ 219,000 $ 72,000
Coryell, Texas 5 $ 1,705,000 $ 341,000 $ 108,000
Gregg, Texas 5 $ 1,225,000 $ 245,000 $ 148,000
Harrison, Texas 5 $ 1,115,000 $ 223,000 $ 158,000
Mitchell, Texas 5 $ 715,000 $ 143,000 $ 79,000
Montague, Texas 5 $ 975,000 $ 195,000 $ 78,000
Rusk, Texas 5 $ 1,115,000 $ 223,000 $ 98,000
Walker, Texas 5 $ 2,885,000 $ 577,000 $ 342,000
Winkler, Texas 5 $ 1,265,000 $ 253,000 $ 112,000
Pacific, Washington 5 $ 1,345,000 $ 269,000 $ 134,000
Cross, Arkansas 4 $ 530,000 $ 132,500 $ 42,000
Madison, Arkansas 4 $ 320,000 $ 80,000 $ 51,000
Pike, Arkansas 4 $ 690,000 $ 172,500 $ 213,000
Orange, California 4 $ 2,700,000 $ 675,000 $ 160,000
Weld, Colorado 4 $ 1,760,000 $ 440,000 $ 162,000
Collier, Florida 4 $ 2,030,000 $ 507,500 $ 180,000
Pinellas, Florida 4 $ 1,310,000 $ 327,500 $ 415,000
Bartow, Georgia 4 $ 1,910,000 $ 477,500 $ 137,000
Haralson, Georgia 4 $ 1,230,000 $ 307,500 $ 83,000
Beauregard, Louisiana 4 $ 1,100,000 $ 275,000 $ 110,000
West Baton Rouge, Louisiana 4 $ 1,050,000 $ 262,500 $ 155,000
Carroll, Maryland 4 $ 1,780,000 $ 445,000 $ 172,000
Barry, Missouri 4 $ 390,000 $ 97,500 $ 62,000
McDowell, North Carolina 4 $ 940,000 $ 235,000 $ 92,000
Onslow, North Carolina 4 $ 520,000 $ 130,000 $ 183,000
Bryan, Oklahoma 4 $ 660,000 $ 165,000 $ 72,000
Oklahoma, Oklahoma 4 $ 1,020,000 $ 255,000 $ 90,000
Pittsburg, Oklahoma 4 $ 830,000 $ 207,500 $ 97,000
Lexington, South Carolina 4 $ 900,000 $ 225,000 $ 116,000
Bedford, Tennessee 4 $ 1,100,000 $ 275,000 $ 83,000
Weakley, Tennessee 4 $ 1,060,000 $ 265,000 $ 102,000
Bastrop, Texas 4 $ 1,740,000 $ 435,000 $ 132,000
El Paso, Texas 4 $ 760,000 $ 190,000 $ 76,000
Hopkins, Texas 4 $ 1,010,000 $ 252,500 $ 179,000
Martin, Texas 4 $ 1,290,000 $ 322,500 $ 884,000
Reeves, Texas 4 $ 800,000 $ 200,000 $ 72,000
Taylor, Texas 4 $ 750,000 $ 187,500 $ 188,000
Culpeper, Virginia 4 $ 1,650,000 $ 412,500 $ 110,000
Fauquier, Virginia 4 $ 2,760,000 $ 690,000 $ 253,000
Benton, Washington 4 $ 1,630,000 $ 407,500 $ 123,000
Kittitas, Washington 4 $ 1,080,000 $ 270,000 $ 233,000
Mohave, Arizona 3 $ 1,135,000 $ 378,333 $ 230,000
Calhoun, Arkansas 3 $ 225,000 $ 75,000 $ 110,000
Clay, Arkansas 3 $ 355,000 $ 118,333 $ 88,000
Cleburne, Arkansas 3 $ 745,000 $ 248,333 $ 164,000
Hempstead, Arkansas 3 $ 345,000 $ 115,000 $ 47,000
Howard, Arkansas 3 $ 455,000 $ 151,666 $ 74,000
Lawrence, Arkansas 3 $ 545,000 $ 181,666 $ 117,000
Polk, Arkansas 3 $ 745,000 $ 248,333 $ 140,000
La Plata, Colorado 3 $ 1,685,000 $ 561,666 $ 219,000
Hendry, Florida 3 $ 535,000 $ 178,333 $ 72,000
Martin, Florida 3 $ 1,205,000 $ 401,666 $ 117,000
Monroe, Florida 3 $ 1,965,000 $ 655,000 $ 171,000
Cobb, Georgia 3 $ 1,345,000 $ 448,333 $ 189,000
DeKalb, Georgia 3 $ 525,000 $ 175,000 $ 90,000
Delaware, Indiana 3 $ 1,175,000 $ 391,666 $ 140,000
Warren, Kentucky 3 $ 405,000 $ 135,000 $ 127,000
Acadia, Louisiana 3 $ 705,000 $ 235,000 $ 86,000
Ascension, Louisiana 3 $ 885,000 $ 295,000 $ 115,000
Charles, Maryland 3 $ 1,265,000 $ 421,666 $ 78,000
Jackson, Michigan 3 $ 575,000 $ 191,666 $ 80,000
Jackson, Missouri 3 $ 835,000 $ 278,333 $ 220,000
Washoe, Nevada 3 $ 1,345,000 $ 448,333 $ 334,000
Santa Fe, New Mexico 3 $ 2,165,000 $ 721,666 $ 453,000
Orange, North Carolina 3 $ 1,525,000 $ 508,333 $ 178,000
Yancey, North Carolina 3 $ 945,000 $ 315,000 $ 178,000
Wood, Ohio 3 $ 655,000 $ 218,333 $ 97,000
Love, Oklahoma 3 $ 1,075,000 $ 358,333 $ 150,000
Tulsa, Oklahoma 3 $ 975,000 $ 325,000 $ 128,000
Lane, Oregon 3 $ 1,465,000 $ 488,333 $ 173,000
Berkeley, South Carolina 3 $ 575,000 $ 191,666 $ 93,000
McMinn, Tennessee 3 $ 735,000 $ 245,000 $ 72,000
Monroe, Tennessee 3 $ 825,000 $ 275,000 $ 95,000
Putnam, Tennessee 3 $ 665,000 $ 221,666 $ 84,000
Rhea, Tennessee 3 $ 545,000 $ 181,666 $ 77,000
Anderson, Texas 3 $ 965,000 $ 321,666 $ 194,000
Burnet, Texas 3 $ 1,115,000 $ 371,666 $ 49,000
Calhoun, Texas 3 $ 555,000 $ 185,000 $ 146,000
Freestone, Texas 3 $ 595,000 $ 198,333 $ 127,000
Grimes, Texas 3 $ 1,345,000 $ 448,333 $ 189,000
Houston, Texas 3 $ 675,000 $ 225,000 $ 119,000
Jasper, Texas 3 $ 755,000 $ 251,666 $ 64,000
Llano, Texas 3 $ 2,695,000 $ 898,333 $ 356,000
Medina, Texas 3 $ 1,075,000 $ 358,333 $ 147,000
Orange, Texas 3 $ 945,000 $ 315,000 $ 67,000
Potter, Texas 3 $ 575,000 $ 191,666 $ 144,000
Rains, Texas 3 $ 765,000 $ 255,000 $ 136,000
Trinity, Texas 3 $ 665,000 $ 221,666 $ 80,000
Loudoun, Virginia 3 $ 2,225,000 $ 741,666 $ 221,000
Prince William, Virginia 3 $ 1,255,000 $ 418,333 $ 210,000
Stafford, Virginia 3 $ 2,065,000 $ 688,333 $ 234,000
Cowlitz, Washington 3 $ 1,095,000 $ 365,000 $ 136,000
Franklin, Washington 3 $ 925,000 $ 308,333 $ 176,000
Skagit, Washington 3 $ 1,445,000 $ 481,666 $ 137,000
Whatcom, Washington 3 $ 1,345,000 $ 448,333 $ 181,000
Baldwin, Alabama 2 $ 780,000 $ 390,000 $ 155,000
Jefferson, Alabama 2 $ 650,000 $ 325,000 $ 192,000
Montgomery, Alabama 2 $ 130,000 $ 65,000 $ 105,000
Cochise, Arizona 2 $ 820,000 $ 410,000 $ 106,000
Grant, Arkansas 2 $ 310,000 $ 155,000 $ 50,000
Hot Spring, Arkansas 2 $ 240,000 $ 120,000 $ 130,000
Lafayette, Arkansas 2 $ 300,000 $ 150,000 $ 74,000
Pope, Arkansas 2 $ 460,000 $ 230,000 $ 77,000
Contra Costa, California 2 $ 1,350,000 $ 675,000 $ 515,000
Archuleta, Colorado 2 $ 1,400,000 $ 700,000 $ 245,000
Broomfield, Colorado 2 $ 1,010,000 $ 505,000 $ 167,000
El Paso, Colorado 2 $ 820,000 $ 410,000 $ 105,000
Grand, Colorado 2 $ 1,570,000 $ 785,000 $ 337,000
Summit, Colorado 2 $ 880,000 $ 440,000 $ 335,000
Bay, Florida 2 $ 360,000 $ 180,000 $ 59,000
Brevard, Florida 2 $ 790,000 $ 395,000 $ 320,000
Hillsborough, Florida 2 $ 880,000 $ 440,000 $ 166,000
Orange, Florida 2 $ 910,000 $ 455,000 $ 155,000
Osceola, Florida 2 $ 610,000 $ 305,000 $ 162,000
Polk, Florida 2 $ 540,000 $ 270,000 $ 79,000
Sarasota, Florida 2 $ 840,000 $ 420,000 $ 447,000
St. Lucie, Florida 2 $ 620,000 $ 310,000 $ 113,000
Chatham, Georgia 2 $ 700,000 $ 350,000 $ 114,000
Fremont, Idaho 2 $ 1,160,000 $ 580,000 $ 533,000
Jerome, Idaho 2 $ 270,000 $ 135,000 $ 64,000
Hancock, Indiana 2 $ 690,000 $ 345,000 $ 208,000
Johnson, Indiana 2 $ 580,000 $ 290,000 $ 75,000
Madison, Indiana 2 $ 890,000 $ 445,000 $ 260,000
Johnson, Kansas 2 $ 1,610,000 $ 805,000 $ 201,000
Ouachita, Louisiana 2 $ 430,000 $ 215,000 $ 85,000
Webster, Louisiana 2 $ 240,000 $ 120,000 $ 59,000
Frederick, Maryland 2 $ 760,000 $ 380,000 $ 106,000
Eaton, Michigan 2 $ 300,000 $ 150,000 $ 77,000
Kalkaska, Michigan 2 $ 510,000 $ 255,000 $ 102,000
Macomb, Michigan 2 $ 350,000 $ 175,000 $ 70,000
Midland, Michigan 2 $ 390,000 $ 195,000 $ 61,000
Greene, Missouri 2 $ 520,000 $ 260,000 $ 174,000
Johnson, Missouri 2 $ 640,000 $ 320,000 $ 75,000
Newton, Missouri 2 $ 350,000 $ 175,000 $ 157,000
Saline, Missouri 2 $ 700,000 $ 350,000 $ 98,000
St. Louis City, Missouri 2 $ 470,000 $ 235,000 $ 97,000
Webster, Missouri 2 $ 290,000 $ 145,000 $ 57,000
McKinley, New Mexico 2 $ 220,000 $ 110,000 $ 103,000
Taos, New Mexico 2 $ 520,000 $ 260,000 $ 515,000
Carteret, North Carolina 2 $ 3,250,000 $ 1,625,000 $ 1,141,000
Cherokee, North Carolina 2 $ 520,000 $ 260,000 $ 134,000
Columbus, North Carolina 2 $ 460,000 $ 230,000 $ 105,000
Durham, North Carolina 2 $ 580,000 $ 290,000 $ 107,000
Franklin, North Carolina 2 $ 600,000 $ 300,000 $ 101,000
Hoke, North Carolina 2 $ 840,000 $ 420,000 $ 121,000
Macon, North Carolina 2 $ 650,000 $ 325,000 $ 252,000
Moore, North Carolina 2 $ 1,300,000 $ 650,000 $ 399,000
Swain, North Carolina 2 $ 270,000 $ 135,000 $ 57,000
Watauga, North Carolina 2 $ 940,000 $ 470,000 $ 178,000
Montgomery, Ohio 2 $ 230,000 $ 115,000 $ 99,000
Canadian, Oklahoma 2 $ 590,000 $ 295,000 $ 114,000
Cleveland, Oklahoma 2 $ 370,000 $ 185,000 $ 48,000
Logan, Oklahoma 2 $ 450,000 $ 225,000 $ 27,000
McCurtain, Oklahoma 2 $ 1,000,000 $ 500,000 $ 287,000
Wagoner, Oklahoma 2 $ 270,000 $ 135,000 $ 87,000
Carroll, Tennessee 2 $ 120,000 $ 60,000 $ 32,000
Cheatham, Tennessee 2 $ 860,000 $ 430,000 $ 112,000
Claiborne, Tennessee 2 $ 170,000 $ 85,000 $ 62,000
Coffee, Tennessee 2 $ 560,000 $ 280,000 $ 72,000
Meigs, Tennessee 2 $ 550,000 $ 275,000 $ 92,000
Polk, Tennessee 2 $ 220,000 $ 110,000 $ 60,000
Smith, Tennessee 2 $ 540,000 $ 270,000 $ 420,000
Warren, Tennessee 2 $ 460,000 $ 230,000 $ 117,000
Blanco, Texas 2 $ 720,000 $ 360,000 $ 128,000
Bosque, Texas 2 $ 800,000 $ 400,000 $ 123,000
Brown, Texas 2 $ 330,000 $ 165,000 $ 116,000
Colorado, Texas 2 $ 980,000 $ 490,000 $ 145,000
Comanche, Texas 2 $ 350,000 $ 175,000 $ 72,000
Crane, Texas 2 $ 380,000 $ 190,000 $ 55,000
Hutchinson, Texas 2 $ 620,000 $ 310,000 $ 213,000
Leon, Texas 2 $ 390,000 $ 195,000 $ 85,000
Matagorda, Texas 2 $ 480,000 $ 240,000 $ 144,000
Moore, Texas 2 $ 480,000 $ 240,000 $ 131,000
Presidio, Texas 2 $ 770,000 $ 385,000 $ 248,000
Reagan, Texas 2 $ 450,000 $ 225,000 $ 160,000
Red River, Texas 2 $ 240,000 $ 120,000 $ 71,000
San Augustine, Texas 2 $ 570,000 $ 285,000 $ 106,000
Shelby, Texas 2 $ 680,000 $ 340,000 $ 112,000
Tyler, Texas 2 $ 350,000 $ 175,000 $ 225,000
Waller, Texas 2 $ 860,000 $ 430,000 $ 233,000
Wichita, Texas 2 $ 210,000 $ 105,000 $ 88,000
Wilson, Texas 2 $ 420,000 $ 210,000 $ 67,000
Alexandria, Virginia 2 $ 2,540,000 $ 1,270,000 $ 446,000
Spotsylvania, Virginia 2 $ 1,060,000 $ 530,000 $ 160,000
Chelan, Washington 2 $ 770,000 $ 385,000 $ 220,000
Nicholas, West Virginia 2 $ 550,000 $ 275,000 $ 125,000
Escambia, Alabama 1 $ 85,000 $ 85,000 $ 316,000
Limestone, Alabama 1 $ 75,000 $ 75,000 $ 33,000
Madison, Alabama 1 $ 315,000 $ 315,000 $ 118,000
Shelby, Alabama 1 $ 765,000 $ 765,000 $ 104,000
Winston, Alabama 1 $ 695,000 $ 695,000 $ 539,000
Coconino, Arizona 1 $ 455,000 $ 455,000 $ 84,000
Pinal, Arizona 1 $ 375,000 $ 375,000 $ 196,000
Boone, Arkansas 1 $ 215,000 $ 215,000 $ 65,000
Conway, Arkansas 1 $ 185,000 $ 185,000 $ 82,000
Dallas, Arkansas 1 $ 205,000 $ 205,000 $ 78,000
Izard, Arkansas 1 $ 205,000 $ 205,000 $ 288,000
Johnson, Arkansas 1 $ 195,000 $ 195,000 $ 70,000
Logan, Arkansas 1 $ 105,000 $ 105,000 $ 47,000
Montgomery, Arkansas 1 $ 65,000 $ 65,000 $ 54,000
Scott, Arkansas 1 $ 115,000 $ 115,000 $ 65,000
Van Buren, Arkansas 1 $ 275,000 $ 275,000 $ 68,000
Yell, Arkansas 1 $ 165,000 $ 165,000 $ 54,000
Madera, California 1 $ 635,000 $ 635,000 $ 231,000
Marin, California 1 $ 1,755,000 $ 1,755,000 $ 500,000
Riverside, California 1 $ 585,000 $ 585,000 $ 248,000
San Joaquin, California 1 $ 705,000 $ 705,000 $ 250,000
Chaffee, Colorado 1 $ 795,000 $ 795,000 $ 374,000
Custer, Colorado 1 $ 785,000 $ 785,000 $ 706,000
Eagle, Colorado 1 $ 1,305,000 $ 1,305,000 $ 319,000
Fremont, Colorado 1 $ 675,000 $ 675,000 $ 195,000
Garfield, Colorado 1 $ 285,000 $ 285,000 $ 178,000
Gilpin, Colorado 1 $ 255,000 $ 255,000 $ 267,000
Gunnison, Colorado 1 $ 635,000 $ 635,000 $ 210,000
Montezuma, Colorado 1 $ 295,000 $ 295,000 $ 64,000
Montrose, Colorado 1 $ 335,000 $ 335,000 $ 167,000
Teller, Colorado 1 $ 395,000 $ 395,000 $ 143,000
Charlotte, Florida 1 $ 155,000 $ 155,000 $ 622,000
Citrus, Florida 1 $ 235,000 $ 235,000 $ 85,000
DeSoto, Florida 1 $ 145,000 $ 145,000 $ 58,000
Duval, Florida 1 $ 185,000 $ 185,000 $ 143,000
Hardee, Florida 1 $ 535,000 $ 535,000 $ 507,000
Indian River, Florida 1 $ 505,000 $ 505,000 $ 311,000
Marion, Florida 1 $ 645,000 $ 645,000 $ 146,000
Santa Rosa, Florida 1 $ 265,000 $ 265,000 $ 0
Seminole, Florida 1 $ 205,000 $ 205,000 $ 71,000
St. Johns, Florida 1 $ 385,000 $ 385,000 $ 475,000
Bibb, Georgia 1 $ 195,000 $ 195,000 $ 206,000
Chattooga, Georgia 1 $ 205,000 $ 205,000 $ 94,000
Clarke, Georgia 1 $ 355,000 $ 355,000 $ 150,000
Clayton, Georgia 1 $ 295,000 $ 295,000 $ 78,000
Douglas, Georgia 1 $ 305,000 $ 305,000 $ 91,000
Effingham, Georgia 1 $ 255,000 $ 255,000 $ 55,000
Fannin, Georgia 1 $ 335,000 $ 335,000 $ 364,000
Fayette, Georgia 1 $ 605,000 $ 605,000 $ 447,000
Fulton, Georgia 1 $ 165,000 $ 165,000 $ 48,000
Glynn, Georgia 1 $ 425,000 $ 425,000 $ 150,000
Gordon, Georgia 1 $ 295,000 $ 295,000 $ 115,000
Laurens, Georgia 1 $ 75,000 $ 75,000 $ 76,000
McIntosh, Georgia 1 $ 245,000 $ 245,000 $ 59,000
Richmond, Georgia 1 $ 285,000 $ 285,000 $ 145,000
Troup, Georgia 1 $ 535,000 $ 535,000 $ 205,000
Union, Georgia 1 $ 355,000 $ 355,000 $ 109,000
Custer, Idaho 1 $ 245,000 $ 245,000 $ 1,633,000
Lemhi, Idaho 1 $ 565,000 $ 565,000 $ 107,000
Madison, Illinois 1 $ 135,000 $ 135,000 $ 61,000
Bartholomew, Indiana 1 $ 225,000 $ 225,000 $ 318,000
Brown, Indiana 1 $ 435,000 $ 435,000 $ 396,000
Henry, Indiana 1 $ 95,000 $ 95,000 $ 42,000
Howard, Indiana 1 $ 225,000 $ 225,000 $ 60,000
Montgomery, Indiana 1 $ 145,000 $ 145,000 $ 50,000
Steuben, Indiana 1 $ 415,000 $ 415,000 $ 157,000
Tippecanoe, Indiana 1 $ 305,000 $ 305,000 $ 87,000
Tipton, Indiana 1 $ 695,000 $ 695,000 $ 234,000
Crawford, Kansas 1 $ 245,000 $ 245,000 $ 100,000
Sedgwick, Kansas 1 $ 525,000 $ 525,000 $ 347,000
Wyandotte, Kansas 1 $ 175,000 $ 175,000 $ 78,000
Boyle, Kentucky 1 $ 345,000 $ 345,000 $ 96,000
Whitley, Kentucky 1 $ 205,000 $ 205,000 $ 52,000
Bossier, Louisiana 1 $ 335,000 $ 335,000 $ 214,000
Caddo, Louisiana 1 $ 265,000 $ 265,000 $ 158,000
Caldwell, Louisiana 1 $ 205,000 $ 205,000 $ 65,000
Claiborne, Louisiana 1 $ 355,000 $ 355,000 $ 382,000
Iberville, Louisiana 1 $ 55,000 $ 55,000 $ 104,000
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Mortgage Loan Application Detail Totals for Highlands Residential Mortgage, Ltd. in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 7,975 $2,656,165,000 $333,000 $2,645,000 $150,000 $5,554,000
Refinancing 794 $322,800,000 $406,000 $3,005,000 $178,000 $2,551,000
Cash-out Refinancing 753 $253,125,000 $336,000 $3,005,000 $172,000 $2,246,000
Home Improvement 1 $55,000 $55,000 $55,000 $104,000 $104,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 6,188 $2,126,070,000 $343,000 $3,005,000 $157,000 $5,554,000
Hispanic 1,275 $368,915,000 $289,000 $2,525,000 $130,000 $3,088,000
Not Provided 867 $325,405,000 $375,000 $2,245,000 $183,000 $4,790,000
Black or African American 677 $209,825,000 $309,000 $1,235,000 $123,000 $2,551,000
Asian 418 $171,460,000 $410,000 $1,725,000 $178,000 $1,080,000
American Indian or Alaskan Native 81 $25,545,000 $315,000 $1,995,000 $127,000 $441,000
Native Hawaiian or Other Pacific Islander 17 $4,925,000 $289,000 $475,000 $77,000 $170,000
Not applicable 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 5,953 $2,104,395,000 $353,000 $3,005,000 $180,000 $5,554,000
FHA-insured (Federal Housing Administration) 2,669 $773,925,000 $289,000 $1,005,000 $104,000 $648,000
VA-guaranteed (Veterans Administration) 761 $324,305,000 $426,000 $1,835,000 $136,000 $878,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 140 $29,520,000 $210,000 $495,000 $79,000 $148,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 7,038 $2,393,100,000 $340,000 $3,005,000 $153,000 $5,554,000
Application Withdrawn By Applicant 1,603 $543,505,000 $339,000 $3,005,000 $162,000 $4,790,000
Application Approved But Not Accepted 412 $136,290,000 $330,000 $1,505,000 $142,000 $1,590,000
File Closed For Incompleteness 298 $114,290,000 $383,000 $2,525,000 $188,000 $3,088,000
Application Denied By Financial Institution 172 $44,960,000 $261,000 $1,525,000 $109,000 $1,156,000
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 9,351 $3,187,185,000 $340,000 $3,005,000 $155,000 $5,554,000
Debt-To-Income Ratio 46 $13,050,000 $283,000 $635,000 $84,000 $219,000
Collateral 40 $11,030,000 $275,000 $1,255,000 $132,000 $1,156,000
Other 32 $5,480,000 $171,000 $785,000 $110,000 $473,000
Credit History 32 $9,200,000 $287,000 $1,525,000 $102,000 $359,000
Employment History 10 $2,770,000 $277,000 $475,000 $103,000 $233,000
Unverifiable Information 7 $2,065,000 $295,000 $485,000 $166,000 $408,000
Insufficient Cash (Downpayment, Closing Cost) 5 $1,365,000 $273,000 $505,000 $114,000 $193,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Highlands Residential Mortgage, Ltd.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Highlands Residential Mortgage, Ltd.'s mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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