HIGHLANDS RESIDENTIAL MORTGAGE, LTD.
7,038 mortgages originated in 2025 across 16 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,038
- Median rate
- 6.625%
- Median lender fees
- $8,360
- Median loan amount
- $305,000
- Median spread over APOR
- 0.377
- Paid discount points
- 59%
- Received lender credits
- 15%
- Purchases / refinances
- 87.9% / 12.1%
- Conventional / FHA / VA
- 61.7% / 28.5% / 8.3%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 90.1% of loans here — see methodology.
Where HIGHLANDS RESIDENTIAL MORTGAGE, LTD. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Texas | 3,092 | $10,036 | 6.625% |
| North Carolina | 1,185 | $7,138 | 6.625% |
| Arkansas | 673 | $6,101 | 6.625% |
| Tennessee | 487 | $7,142 | 6.625% |
| Washington | 339 | $7,566 | 6.625% |
| Idaho | 193 | $10,966 | 6.500% |
| Florida | 138 | $8,293 | 6.750% |
| Colorado | 126 | $5,252 | 6.750% |
| Michigan | 123 | $4,973 | 6.750% |
| Indiana | 91 | $4,002 | 6.625% |
| Georgia | 83 | $7,947 | 6.625% |
| Nevada | 80 | $10,000 | 6.375% |
| Louisiana | 73 | $7,125 | 6.625% |
| Maryland | 64 | $9,944 | 6.625% |
| Oklahoma | 55 | $9,236 | 6.625% |
| South Carolina | 52 | — | — |