Applications / Mortgage Analytics / Lenders / Puerto Rico / HR Mortgage / Competition
HR Mortgage
Caguas, PR · Independent non-bank lender · CFPB · 519 loans in 2025
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519
loans originated, 2025
703
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Who HR Mortgage competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — SAN JUAN-BAYAMÓN-CAGUAS, PR, 2025
HR Mortgage ranks 9th of 63 lenders in San Juan-Bayamón-Caguas, PR, with $58.8M lent: 2.6% of a $2.28B market.
San Juan-Bayamón-Caguas, PR is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and HR Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 72% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — PONCE, PR, 2025
HR Mortgage ranks 7th of 40 lenders in Ponce, PR, with $4.3M lent: 4.3% of a $99.3M market.
Ponce, PR is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and HR Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 89% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — GUAYAMA, PR, 2025
HR Mortgage ranks 6th of 28 lenders in Guayama, PR, with $2.4M lent: 7.9% of a $30.0M market.
Guayama, PR is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and HR Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 78% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — NON-METRO PUERTO RICO, 2025
HR Mortgage ranks 11th of 43 lenders in non-metro Puerto Rico, with $1.7M lent: 2.6% of a $63.9M market.
non-metro Puerto Rico is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and HR Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 79% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — ARECIBO, PR, 2025
HR Mortgage ranks 25th of 41 lenders in Arecibo, PR, with $710K lent: 0.7% of a $97.4M market.
Arecibo, PR is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and HR Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 72% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — MAYAGÜEZ, PR, 2025
HR Mortgage ranks 27th of 43 lenders in Mayagüez, PR, with $460K lent: 0.3% of a $131.8M market.
Mayagüez, PR is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and HR Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 83% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — AGUADILLA, PR, 2025
HR Mortgage ranks 32nd of 43 lenders in Aguadilla, PR, with $290K lent: 0.2% of a $162.6M market.
Aguadilla, PR is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and HR Mortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 82% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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HR Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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