Hr Mortgage Corp Mortgage Lending & HMDA Data, 2012
In 2012, Hr Mortgage Corp of Caguas, PR reported 537 mortgage applications totaling $66.3 million, down 12% from 2011. The average application was for $123,370, and applicants reported an average income of $36,471. 64% of its applications resulted in an originated loan and 30% were denied. Its largest markets were San Juan-Caguas-Guaynabo, PR (472), Guayama, PR (22) and Aguadilla-Isabela-San Sebastian, PR (8) (applications in parentheses).
| Mortgage Company & Address | Hr Mortgage Corp M11 Calle Roble, Villa Turabo Caguas, PR 00725 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2014 2013 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 537 |
| Total Mortgage Loan Application Amount | $66,250,000 |
| Average Mortgage Loan Application Amount | $123,370 |
| Highest Mortgage Loan Application Amount | $367,000 |
| Average Applicant Income | $36,471 |
| Highest Applicant Income | $239,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Hr Mortgage Corp filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for Hr Mortgage Corp in 2012
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 458 | $56,645,000 | $123,000 | $367,000 | $35,000 | $239,000 |
| Refinancing | 79 | $9,605,000 | $121,000 | $365,000 | $45,000 | $199,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 507 | $62,200,000 | $122,000 | $367,000 | $37,000 | $239,000 |
| Not Provided | 28 | $3,689,000 | $131,000 | $279,000 | $35,000 | $84,000 |
| White | 2 | $361,000 | $180,000 | $279,000 | $58,000 | $77,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 244 | $30,754,000 | $126,000 | $324,000 | $37,000 | $239,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 188 | $21,654,000 | $115,000 | $257,000 | $28,000 | $87,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 84 | $9,698,000 | $115,000 | $340,000 | $47,000 | $142,000 |
| VA-guaranteed (Veterans Administration) | 21 | $4,144,000 | $197,000 | $367,000 | $72,000 | $199,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 341 | $41,441,000 | $121,000 | $365,000 | $35,000 | $239,000 |
| Application Denied By Financial Institution | 159 | $19,836,000 | $124,000 | $367,000 | $39,000 | $158,000 |
| Application Withdrawn By Applicant | 35 | $4,789,000 | $136,000 | $276,000 | $42,000 | $199,000 |
| File Closed For Incompleteness | 2 | $184,000 | $92,000 | $109,000 | $35,000 | $42,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 58 | $7,414,000 | $127,000 | $367,000 | $39,000 | $158,000 |
| Credit History | 35 | $4,627,000 | $132,000 | $324,000 | $48,000 | $137,000 |
| Credit Application Incomplete | 14 | $1,866,000 | $133,000 | $297,000 | $49,000 | $142,000 |
| Employment History | 11 | $1,136,000 | $103,000 | $172,000 | $27,000 | $41,000 |
| Other | 9 | $724,000 | $80,000 | $139,000 | $22,000 | $35,000 |
| Debt-To-Income Ratio | 9 | $1,169,000 | $129,000 | $250,000 | $31,000 | $49,000 |
| Unverifiable Information | 7 | $853,000 | $121,000 | $193,000 | $37,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $552,000 | $184,000 | $340,000 | $74,000 | $115,000 |
| Mortgage Insurance Denied | 1 | $218,000 | $218,000 | $218,000 | $48,000 | $48,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Hr Mortgage Corp's 2012 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Hr Mortgage Corp's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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