Highlands Residential Mortgage, Ltd. denied 3.0% of its 2,179 decisioned FHA applications in 2025 — rank #97 of the 100 largest FHA lenders, below the national rate of 21.7%. Source: complete CFPB HMDA 2025 federal record. Observed rates reflect applicant mix and channel as well as underwriting — not an endorsement or a warning.
| State | FHA apps | Denial rate |
|---|---|---|
| AR | 259 | 1.9% |
Largest state markets (cells n≥100). State pages: the door map.
Nobody. Highlands Residential Mortgage, Ltd. did not pay to appear here and cannot pay to change this page. FinanceRateCalc is not a lender, has no lending partners, and sells no leads — tables are processed independently from federal filings by a former banker with 23 years of credit experience. Compare: all 100 lenders ranked · all 52 states · five myths vs the record.