Personal Branding Support
From headshots and bios to social media strategy and content planning, we help you define and refine your voice in the marketplace.
WHY?
Highland Mortgage
OURMission
Highland Mortgage was created with one mission:
to better the lives of our clients, referral partners, and employees through transparency, simplicity, and expert guidance.
SCOTSMAN GUIDE 2026Top 100
Of the 50 100% retail companies on the 2026 list, Boxcar is the youngest independently owned lender to exceed $1 billion.
OURVALUES
Behaviors
Be Accountable • Be Respectful • Be Willing
While most companies emphasize corporate values, Highland Mortgage's focus is on company behaviors. It is not merely what is said, but what is done that truly matters. The willingness to act is what separates the genuine from the aspirational. Highland Mortgage's leadership team exemplifies winning behaviors that consistently deliver positive outcomes for our clients and strengthen our balance sheet.
Independent · Employee-Owned
WELCOME
As an independent and employee-owned company, our decisions stay close to the people they affect.
We aren't answering to distant shareholders or external agendas. That independence keeps the focus on the work itself—guided by relationships, accountability, and long-term thinking.
ABOUTUs
Highland Mortgage is part of the BoxCar Mortgage family, a national mortgage platform built to support loan officers at every stage of their career.
Through its family of brands, including Valor Home Loans, Retire Secure, and Vybe Wholesale, Highland is supported by a broader range of lending products, in-house solutions, and growth opportunities.
Backed by Fannie and Freddie with over 130 years of combined leadership experience, we bring unparalleled expertise to every transaction.
5 Years & Beyond
Mark Milam & Bryan Lovell
Leadership Team
Sales Team Testimonial
The Difference
How We’re Different
Funded Volume
THENumbers
$3.5B funded since 2020 — and up every year since.
2020
$22,640,895
<100 units
2021
$403,184,537
1000+ units
2022
$415,705,285
1000+ units
2023
$516,490,927
1500+ units
2024
$879,339,762
2000+ units
2025
$1,254,949,023
3413 units
Yearly Funded Volume
$1.5B
$1.25B
$1B
$750M
$500M
$250M
$0
2025 Service Levels
SLATracking
Average days per stage across every file we closed in 2025.
App to Setup
3.40days
Setup to Processing
0.44days
Processing to Submitted
2.85days
Submitted to Decision
1.71days
Approved to Conditions
6.81days
CTC to Close
3.73days
Conditions to CTC
0.92days
CTC to Docs Ordered
0.60days
Docs Ordered to Close
3.16days
Docs Ordered to Docs Out
1.39days
Docs Out to Close
1.79days
ICD Issued to Close
7.09days
Opening to CTC
16.68days
Opening to Docs Out
18.47days
Opening to Close
20.24days
App to Close
23.51days
Nationwide Licensing
LICENSED IN44 States
Highland gives you the flexibility to pursue your individual license from coast-to-coast, opening up new avenues of production. Next up on the licensing list: Alaska and Hawaii!
Expand your reach and maximize your opportunities by pursuing your license in any eligible state.
44States
Licensed
Licensed
Loading map…
LicensedNot licensedBranch locations
131
Years of experience
50
Awards
1271
5 star Google reviews
Our promise, in writing
Loan OriginatorBILL OFRights
At Highland Mortgage, we believe in freedom, transparency, and respect for the Loan Originator. This Bill of Rights was created to protect and empower those who drive our business — ensuring every Loan Originator has the tools, flexibility, and support to build a thriving career and future.
HMSIGNED
At Highland Mortgage, no one is ever just a number. This Bill of Rights stands as our unwavering promise to every Loan Originator who joins Highland Mortgage: to protect your business, support your growth, and ensure you thrive with freedom, transparency, and respect.
Article I
Freedom of Brand
You’ve worked hard to build your name. We believe it should stay front and center.
Loan Originators have the freedom to develop a distinct personal brand, grow their reputation, and be recognized as the face of their business — supported by the company, not lost inside it.
1 / 5
MEET THETeam
Mark Milam
CEO | Founder | Owner
Patrick Huefner
President | Founder
Rebecca Adams
COO
Morgan Clemm
Capital Markets
James Dickson
Chief Technology Officer
Melinda Watson
Director of Human Resources
Adrienne C. Holmes
VP | Sales
Bryan Lovell
VP | Sales
Laura Witte
Founder | Owner
Eric Rothberg
Founder | Owner
Mark Witte
VP | Vision & Growth
Austin Taylor
Director of Marketing
Glenn Sedgwick
Director of Compliance
BUSINESSExpansion Model
Tailored Solutions for Growth
We support a range of paths. Whether that’s scaling an existing operation, opening a new branch, or structuring something more independent. The focus stays on flexibility, clarity, and practical support — shaped around how you work.
A
Highland Retail
A branch designed for seamless launch, subsequently supported and resourced by the company to facilitate production growth. There is no commission cap.
B
Highland P&L
A P&L branch model offering complete control over structural, staffing, expense management, and overall team administration.
C
Registered Team Name
(RETAIL OR P&L)
Putting the power of Highland behind your personal brand and reputation.
YOURBrand
AT HIGHLAND MORTGAGE
At Highland Mortgage, you’re not just building loans — you’re building a name.
We believe every Loan Officer should have a brand that reflects who they are, how they work, and the clients they serve. That’s why our marketing team works alongside you to develop a presence that feels authentic, professional, and built to last.
Custom Marketing Assets
Logos, business cards, listing flyers, open house materials, email templates, video content, and landing pages — all designed to elevate your credibility and keep you compliant.
Digital Presence & Websites
Establish a professional online presence with personal websites, landing pages, and lead capture tools that keep you visible and accessible.
Brands built at Highland
OURMarketing
PREMIUM AS A STANDARD
A strong marketing department should understand the business it supports.
Understanding products, compliance, and how loans actually move from application to close makes a meaningful difference in the quality and effectiveness of the marketing we produce. We work alongside loan officers, referral partners, and vendors to create marketing that’s practical, compliant, and easy on the eyes.
From personal branding to logos, websites, and online presence, our team helps you build something that fits who you are and how you work.
SWAG Store
IN-HOUSETech
We are committed to building technology that makes day-to-day work easier and faster to manage. Developed internally and shaped by how our teams actually operate — not by one-size-fits-all systems.
Scout’s Talk-to-1003
Allows borrowers to begin a mortgage application simply by speaking. Scout uses voice recognition and AI to convert a conversation into a completed application and automatically organizes the information. This helps borrowers start applications faster while giving loan officers a clean foundation to work from.
SCOUTMortgage OS
DATA Without A Leash
Our proprietary point-of-sale platform that powers the full borrower experience — from application to document collection to preapproval.
- Secure intake & AI docs
- Voice & Video 1003
- Live status & messaging
- SSO for staff & clients
STMNTCommission Portal
A real-time electronic commission system that gives branches and originators full transparency into earnings and performance.
- Live tracking, 24/7
- Mobile-ready dashboard
- Flexible P&L structures
- Built-in production insights
GurooBusiness Intelligence
A centralized business intelligence tool designed to help originators analyze performance, manage the pipeline, and build a strategy.
- Pipeline & trend insights
- Time-based comparisons
- Industry benchmarking
- Voice access, anywhere
SwitchyardFinancing Calculators
A suite of advanced calculators built to support strategic lending conversations and data-backed borrower decisions.
- Equity growth modeling
- Refi cost insights
- Pricing strategy comparisons
- Rent vs. buy analysis
Products
The product shelf
Start with the borrower you can't place today
Then Watch Where the Referrals Go
Highland has access to over 8,000 loan products. A short program menu doesn’t just cost you that one loan — it costs you the listing, the referral partner, and the reason to call them next quarter. Pick a situation and see what it maps to.
Flagship
All-in-One
A 30-year line of credit with a sweep-checking account attached. Idle cash offsets the balance and stays available.
Flagship
Zero-interest bridge
Equity out before the old house sells. Buy first, move once, skip the sale contingency entirely.
Bridge
Bridge Reserve
A built-in reserve — up to the lesser of $35,000 or 3 months of departure-residence PITIA — so the old payment doesn't compete with the new one.
Bridge
Bridge / consumer debt payoff
Clear the debt that's holding the ratios down, using equity the borrower already has.
Bridge
Bridge / Elevate
Up to $35,000 for renovations, so the departing residence shows the way it should before it lists.
Move-up
Departure-residence debt exclusion
Jumbo and Non-QM programs that take the old house payment out of qualification entirely.
Self-employed
Non-QM — streamlined 1 year
One year of documentation instead of two. The borrower whose last two returns don't match the business.
Self-employed
Single Source Validation
One pull validates income, employment, and assets. Fewer conditions, fewer document chases.
Self-employed
AI income calculation
Complex self-employed income calculated up front, so you quote the real number on the first call.
Support
Underwriting help desk
A live desk for the file you're not sure about — before you structure it, not after it's kicked.
Jumbo
Jumbo to $5 million
Loan amounts to $5M. Above the standard ceiling, the scenario desk takes the call.
Jumbo
Delegated & non-delegated
Both channels in house, so the file goes where it actually gets approved.
Jumbo
Interest only & ARMs
Interest-only structures and adjustable terms for borrowers managing cash flow, not just rate.
Build
Renovation & lot loans
HomeStyle renovation and lot financing for the house that isn't finished — or isn't there yet.
Build
Construction
One-time close from construction through permanent financing, VA included.
Build
Construction two-time close
Separate construction and permanent closings when the builder's timeline calls for it.
Investor
Fix and flip
Short-term financing for the investor buying to renovate and resell.
Build
Future-value equity line
A second-lien line sized against the appraised value after the work is done, not before.
First-time
Down payment assistance
State and municipal DPA, including AHFA Step Up, Arizona is Home, and Georgia Dream.
First-time
Georgia Dream
Georgia's down payment assistance program, run in house rather than referred out.
First-time
100% AMI
Area median income programs for the buyer who earns too much for assistance and not enough for the payment.
Equity
Seconds & HELOC
Closed-end second liens and HELOCs, full doc, without disturbing a rate the borrower wants to keep.
55+
Reverse & HECM
Handled in house through Retire Secure, so the 62-year-old client never gets referred out.
Program availability varies by state, investor, and borrower qualification. All loans subject to credit approval.
YOURBenefits
HealthMedical
Multiple plans available
Routine Physical Exams & Immunizations — Covered in Full
Well Child Exams & Immunizations — Covered in Full
Prenatal Maternity — Covered in Full
HealthDental
Preventative Services — Covered in Full
Basic Services — 90%
Major Services — 60%
HealthVision
Routine Eye Exams — $10 Copay
Frames — $130 allowance + 20% off balance
Lenses — $25 Copay
Contacts — $130 allowance + 15% off conventional
Retirement401(k)
20% Company Match
No Minimum Deferral — Rollovers & Discretionary Contributions Allowed
Less than 1 yr0%
1 yr – 2 yrs20%
2 yrs – 3 yrs40%
3 yrs – 4 yrs60%
4 yrs – 5 yrs80%
5 yrs or more100%
CoverageSupplemental
Basic Term Life Insurance
Voluntary Term Life Insurance
Short Term Disability
Long Term Disability
Employee Assistance Plan (EAP)
Let’s start the conversation
NOPressure
Just a conversation about where you are and where you want to go.
Making a move in your career is a big decision. Whether you’re simply exploring your options or ready to take the next step, our team is here to answer questions and walk you through what Highland Mortgage could look like for you.