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crossroadsOUR STORY

Highlands Residential Mortgage Mission Statement- To provide professional real estate financing to the communities we serve, emphasizing quality service to our customers. Leveraging on decades of experience, we’re committed to increasing home ownership opportunities for our clients by bringing customers and industry partners together.


Our history is the foundation of our company and one of the reasons we’re so excited about its success in the future. Highlands Residential Mortgage’s Management team is led by Chairman, William R. (Bill) Starkey, Sr., Chief Executive Officer, Kenneth G. Hickman, President, Brian W. Bennett, EVP/PR/HR/General Services, Brian R. Starkey, EVP/Chief Financial Officer, Lori Riley, EVP/National Production Manager, Danny Deaton, EVP/Chief Operations Officer, Steve Peters. The team as a whole brings over 150 combined years of mortgage banking experience to the company. Each individual of the HRM Management Team has the total commitment to provide the necessary support to accomplish our continued growth and success. A collaboration of founding Partners Bill Starkey, Sr. and Ken Hickman produced a national production franchise which began in 1992 with the acquisition of AccuBanc Mortgage. At AccuBanc, the team grew the company from a small regional mortgage company to a national leader in the industry. From 16 retail offices and 1 wholesale office in 1992 ($650 million in originations), the company expanded to 84 retail offices and 16 wholesale offices by 1998 ($13.2 billion in originations), making it the 18th largest originator in the U.S. Bill and Ken accomplished this success by building a team of professional individuals, committed to their own personal growth and dedicated to the ongoing success of the company. With the addition of Brian Bennett and Danny Deaton in early 2013, two of the most successful production managers, and leaders in the industry, our growth, success and future has elevated to a new level. They embrace the same basic formula for success by creating a professional environment of loyal committed individuals and providing the necessary day to day support to validate success. Also in 2013, Steve Peters joined the Highlands Team. Steve Peters possesses a high level of experience in Operations, Compliance and Secondary Marketing, with a total understanding and commitment to support our production team. His vast knowledge and experience has proven immeasurable in the overall enhancement of the company’s focus on quality and performance. We believe the team’s experience provides solid, real-world value to our customers, employees and industry partners for the present and beyond.


Founded and based in Texas, Highlands Residential Mortgage (“Highlands”) has served the state since 1989. Current executive management purchased the company in March 2010 and established its headquarters in Rockwall, Texas. Shortly after the company’s purchase in 2010, Highlands Residential Mortgage’s executive team embarked upon an expansion program to grow the company’s presence in Texas. Very soon thereafter, the company grew to include additional state lending authorities, with a focused emphasis on our mission of combining strong production and quality operations that is compliant in all areas. In September 2010, the company’s headquarters were relocated from Rockwall, Texas to our current location in Dallas. In the summer of 2012, Highlands purchased ViewPoint Mortgage, adding 8 offices in Texas and Oklahoma, as well as over 25 highly qualified, committed, enthusiastic managers and loan originators. The ViewPoint acquisition resulted in just the kind of growth Highlands targets: people at the top of their game motivated to elevate themselves – and the organization they’re part of – to the next level. Growth requires solid relationships with financial partners who provide the ability to fund and invest in the company’s loans. Executive management’s deep, broad and longstanding experience in the industry has enabled these relationships to be established – and to flourish. Credit and correspondent relationships with leading players in the industry enable Highlands to offer innovative mortgage products – all with the goal of providing our customers with flexible and affordable loans. Our experienced operations staff underwrite virtually all of our mortgage loans funded by our warehouse lines of credit, ensuring quality and quicker closings for our clients. Highlands Residential Mortgage has heavily invested in the most up-to-date technology in the industry. From loan origination to underwriting to closing to post-closing and ac, our systems are designed for customer service, streamlined operations and strict compliance with all applicable Federal and State laws.

Highlands’ Executive management team brings an impressive legacy of accomplishment in the mortgage industry. This strong history, together with an outstanding team of origination and operations professionals, positions Highlands Residential Mortgage for a bright future. We are poised for expansion, confident in our ability to identify growth opportunities, and integrate them successfully into our company. “We are in control of our future.”