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Hr Mortgage Corp.

Independent Mortgage CompanyCAGUAS, PRDirect to Consumer

We analyzed every closed loan from Hr Mortgage 451 loans across 654 applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pull Through
Exceptional
closing strength
Products
Exceptional
FHA · Conventional · VA · USDA
Place
Strong
unknown · 2 mkts

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and USDA loans

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Report Card

Hr Mortgage Corp. performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
N/A
No peer data
Pull Through
Closing strength
Exceptional
Market Leader
Top 20% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Sound
Industry Standard
Top 60% of lenders
USDA
Exceptional
Market Leader
Top 10% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Sound
Industry Standard
Top 60% of lenders
Varies3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Strong
9220.4%
FHA Loans
Strong
Strong
Strong
14532.2%
+0.511%Above
$2,919Fees
VA Loans
Sound
Sound
102.2%
USDA Loans
Exceptional
Exceptional
Exceptional
20445.2%
+0.909%Above
$2,039Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Strong
Strong
43095.3%
+0.883%Above
$2,098Fees
Refinance
Sound
Sound
Strong
214.7%

At a Glance

Lender Overview

Lending Activity
Loans Originated
451
Applications
654
Volume
$53 million
Typical Borrower
Avg Loan Amount
$117,794
Avg Borrower Income
$54,118
Avg Property Value
$156,359

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
0
We count Washington DC as a state
Avg Place Specialization
Strong

Top Metro Areas by Place Specialization Score

1
San Juan, PRMSA
Volume: 405Mix: 89.80%of portfolio
Place
Exceptional
2
Ponce, PR, PRMSA
Volume: 13Mix: 2.88%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.