Highlands Residential Mortgage

Highlands emphasizes:

• Personalized guidance from experienced loan officers who understand local markets
• Support for both home purchase and refinance needs
• A focus on a smooth, low-stress process with timely communication
• A commitment to closing accurately and on time
• Strong customer satisfaction, including a high Net Promoter Score and recognition from independent review platforms

Corporate contact details

• Main phone: 469-402-1200
• Toll-free phone: 866-912-7511
• Corporate address: 950 W Bethany Drive, Suite 800, Allen, TX 75013
• Corporate NMLS ID: 134871
• Equal Housing Lender
• Licensing note: Not licensed in the state of New York.

For branch-specific contact information or to reach an individual loan officer, use the "Find a Loan Officer" or location tools on the Highlands Residential Mortgage website.

• Buying a home – Financing for primary residences and other home purchase needs (subject to applicable underwriting and eligibility requirements).
• Refinancing a home – Refinancing existing home loans to better align with a borrower's goals, such as changing loan terms or restructuring their mortgage (subject to approval and program availability).

Specific loan programs, eligibility criteria, and documentation requirements can vary by borrower profile, property type, and location. Customers should speak directly with a Highlands loan officer for current options and requirements.

How Highlands typically works with borrowers

While every situation is unique, borrowers can generally expect a process along these lines:

1. Connect with a loan officer – A borrower is matched with a dedicated Highlands loan officer who serves as their primary contact.
2. Discuss goals and options – The loan officer learns about the borrower's goals (such as buying a home or refinancing an existing mortgage) and helps explain available loan options that may fit their situation.
3. Apply and provide documentation – The borrower completes a loan application and provides required documentation so that Highlands can evaluate eligibility and underwrite the loan.
4. Processing, underwriting, and updates – Highlands uses modern mortgage technology to help manage the process, keep information organized, and provide timely updates.
5. Closing – The goal is to provide a smooth, on-time closing experience, coordinating with all relevant parties involved in the transaction.

Important notes

• Highlands Residential Mortgage does not publish specific interest rates, fees, or approval criteria in this knowledge. Those details must always be confirmed directly with a loan officer.
• Loan approvals, terms, and conditions are subject to credit review, property details, applicable regulations, and current program availability.
• Availability of particular loan options can vary by state; borrowers should verify what is currently offered where they live or where the property is located.

Corporate licensing

• Company name: Highlands Residential Mortgage, Ltd.
• Corporate NMLS ID: 134871
• Equal Housing Lender
• Licensing note from website: Not licensed in the state of New York.

Service footprint

Highlands Residential Mortgage operates as a multi-state residential mortgage lender. However:

• The company is not licensed in New York and therefore does not offer loans there.
• Licensing and product availability can vary by state and may change over time.
• Highlands may not lend in all U.S. states.

Borrowers should always confirm:

• Whether Highlands is currently licensed in the state where the property is located.
• Which loan options are available in their state at the time they apply.

The most reliable ways to verify current licensing and service areas are:

1. Reviewing the State Licenses information linked in the footer of the Highlands Residential Mortgage website.
2. Speaking directly with a Highlands loan officer or local branch.

No specific state-by-state licensing details or product offerings are maintained in this knowledge; those must be confirmed with Highlands directly.

• Experience.com – Top 10 Mortgage Company for Customer Satisfaction (Jumbo Division) in multiple years.
• National Mortgage News – Best Mortgage Companies to Work For, including a #1 ranking in at least one year.
• Scotsman Guide – Top 50 Mortgage Lenders in America and Top Workplace recognitions across several years.
• Mortgage Executive Magazine – Recognized among the Top 50 or Top 100 Mortgage Companies in America, as well as inclusion in "50 Best Companies to Work For" lists and acknowledgments of influential executives.
• Regional and local business publications – Honors from outlets such as the Dallas Business Journal, The Dallas Morning News, and SMU Cox School of Business for growth and workplace excellence.
• Inc. 5000 – Inclusion among the fastest growing private companies in America in at least one year.

Example years of recognition (non-exhaustive)

• 2026–2024 – Multiple awards for customer satisfaction, top workplace rankings, and national lender performance (including Experience.com, Scotsman Guide, National Mortgage News, and Mortgage Executive Magazine).
• 2023–2021 – National and regional workplace awards, growth recognitions, and customer satisfaction honors from organizations such as Energage, Dallas Business Journal, Experience.com, and others.
• 2020–2016 – Repeated appearances in workplace and performance rankings, including Dallas Business Journal and Mortgage Executive Magazine lists.

Award programs, criteria, and rankings can change over time. For the most current and detailed list of awards, refer to the Awards page on the Highlands Residential Mortgage website.

• Mobile app access to your loan – Borrowers can use the Highlands app to view key details about their loan in progress.
• Document and task management – The digital experience is designed to help borrowers keep track of what is needed, reducing guesswork and back-and-forth.
• Timely communication – Highlands emphasizes providing updates throughout the loan process so borrowers know what stage their file is in.
• Support from real people – Technology is used alongside support from dedicated loan officers and operations teams, not in place of them.

Because specific app capabilities and online portal features can change over time, borrowers should refer to the latest information on the Highlands Residential Mortgage website or ask their loan officer for current details on how to access and use the digital tools.

• Bill Starkey, Sr. – Chairman of the Board and Founder

Long-time mortgage industry leader with prior executive roles at multiple national mortgage companies and extensive experience in growing large-scale production organizations.

• Ken Hickman – Chief Executive Officer and Founder; Board Member

CEO with several decades of mortgage banking experience and a background in executive finance and leadership roles at previous mortgage firms.

• Brian Bennett – President

Provides day-to-day leadership across the company with an emphasis on closely aligning production and operations to deliver a strong homebuying experience.

• Brian Starkey – Board Member and Founder

Founding partner with responsibilities that include public relations, human resources, and facilities, drawing on prior leadership and growth experience at other mortgage organizations.

Executive Leadership and senior management (summary)

Highlands also has a broader executive and senior management team overseeing key areas such as:

• Production and sales leadership – Including executives focused on national production and growth.
• Operations and loan fulfillment – Leaders responsible for underwriting, processing, and closing operations across the company.
• Compliance and quality control – Executives overseeing compliance, quality control, and fair lending programs.
• Finance and accounting – Leadership responsible for financial management, accounting, and treasury functions.
• Information technology and information systems – Leaders focused on mortgage technology, information security, and support for the company's digital infrastructure.
• Human resources and corporate operations – Management overseeing HR, licensing, onboarding, and corporate support functions.

For the most up-to-date and detailed leadership bios, customers and partners can refer to the Leadership section of the Highlands Residential Mortgage website.

Ask anyway — the agent will say plainly that it is not published rather than guess.