We analyzed every closed loan from HR Mortgage — 451 loans across 654 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and USDA loans
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Report Card
HR Mortgage performance at a glance
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | — | 92 | 20.4% | — | — | |||
FHA Loans | — | 145 | 32.2% | +0.511%Above | $2,919Fees | |||
VA Loans | — | — | 10 | 2.2% | — | — | ||
USDA Loans | — | 204 | 45.2% | +0.909%Above | $2,039Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | — | 430 | 95.3% | +0.883%Above | $2,098Fees | |||
Refinance | — | 21 | 4.7% | — | — |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.
Our Point System (Max 30 Points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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