Lender in North Carolina · HMDA 2025
Highlands Residential Mortgage, Ltd. mortgages in North Carolina
Highlands Residential Mortgage, Ltd.'s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Highlands Residential Mortgage, Ltd. originated 940 owner-occupied single-family loans in North Carolina from 1,050 completed applications.
Its median conventional purchase loan costs were $6,060 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
940
of 1,050 applications
Denial rate
2.1%
Purchase · NC 7.6%
Rate spread
+0.31 pts
Conv. · NC +0.04 pts
Loan amount
$305,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 894 | 813 | 2.1% | 6.625% | +0.31 pts | $6,060 | $305,000 |
| Refinance | 83 | 67 | 6.0% | 6.490% | +0.28 pts | $5,510 | $355,000 |
| Cash-out refinance | 73 | 60 | 13.7% | 6.750% | +0.36 pts | $6,530 | $255,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Highlands Residential Mortgage, Ltd. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Davie County | 6 | 25 | 3.5% |
| Guilford County | 7 | 187 | 2.9% |
| Forsyth County | 8 | 191 | 3.3% |
| Polk County | 9 | 7 | 3.0% |
| Caldwell County | 10 | 22 | 2.1% |
| Wilkes County | 10 | 15 | 2.6% |
| Alexander County | 10 | 10 | 2.7% |
| Stokes County | 11 | 17 | 2.7% |
| Burke County | 11 | 15 | 1.5% |
| Yadkin County | 11 | 8 | 2.1% |
| Catawba County | 14 | 49 | 1.7% |
| Henderson County | 14 | 27 | 1.6% |
| Davidson County | 16 | 41 | 1.5% |
| Alamance County | 17 | 42 | 1.5% |
| Randolph County | 19 | 22 | 1.2% |
| McDowell County | 20 | 4 | 0.9% |
| Transylvania County | 20 | 4 | 1.4% |
| Rockingham County | 21 | 13 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology