HNMA has developed different businesses to overcome the most important barriers to homeownership that create the Hispanic Homeownership Gap. We currently have three business units:

HNMA Funding Company is HNMA’s correspondent lending unit that offers innovative loan programs focused on the Hispanic and other immigrant communities. It provides its correspondents partners with liquidity for unique loan programs and helps them achieve origination efficiencies throughout the loan process. The Company purchases closed loans originated using the Hispanic Automatic Underwriting System (HAUS), a system built with the Company’s target markets in mind.

HNMA Retail Ventures is building a retail oriented business to create Hispanic-centric offerings that take the particular needs of the Hispanic borrower into consideration. Customer education, honesty and transparency, community credibility and involvement, marketing and advertising, product offerings, employee training and management are some of the areas in which HNMA will contribute in building differentiated approach to mortgage banking.

We are currently committed 100% to effecting change through our retail mortgage company: ILUMINA Mortgage, in partnership with Wells Fargo Home Mortgage.

HAUS R&D is the innovation unit within HNMA. A number of professionals within this unit are in charge of analyzing the Hispanic and other immigrant markets and developing unique loan programs and the necessary origination technology to increase liquidity and improve efficiency in the origination of these loans.

The Hispanic Automated Underwriting System (HAUS), the only Hispanic-specific automated origination system in the market resides in this unit.


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Overview | HNMA Retail | HAUS | HNMA Funding Company is the source of information about and access to information and financial services provided by its retail subsidiary Ilumina Mortgage, its secondary market subsidiary HNMA Funding LLC, and its R&D subsidiary HNMA R&D. Any materials in this website shall not be deemed a commitment by the Hispanic National Mortgage Association or any of its subsidiaries to originate or purchase any loan. The Hispanic National Mortgage Association and The Hispanic National Mortgage Association Logo as well as its Ilumina Mortgage, HNMA Funding and HAUS names and logos are registered trademarks of The Hispanic National Mortgage Association, Inc