Aguadilla-Isabela-San Sebastian, PR Metro Area Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 3,761 mortgage applications in Aguadilla-Isabela-San Sebastian, PR metro area totaling $292.4 million, down 3% from 2015. The average application was for $77,747, and applicants reported an average income of $45,000. 51% of applications resulted in an originated loan and 28% were denied. The most active lender was Banco Popular, with 1,540 applications, followed by Oriental Bank and Firstbank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 3,761 |
| Total Mortgage Loan Application Amount | $292,408,000 |
| Average Mortgage Loan Application Amount | $77,747 |
| Highest Mortgage Loan Application Amount | $770,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $980,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Banco Popular PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 27,750,000,000 | 1,540 | $ 94,997,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 7,055,071,000 | 664 | $ 32,712,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 12,556,537,000 | 371 | $ 46,839,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 4,617,669,000 | 269 | $ 26,957,000 |
| Banco Santander Puerto Rico P O BOX 362589, SAN JUAN, PR 00936 |
* | $ 5,344,040,000 | 147 | $ 13,926,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ 10,000,000 | 107 | $ 11,391,000 |
| Cooperativa De A/C Isabela 21 CALLE BARBOSA SUITE 1 ISABELA, PR 00662 |
* | $ 10,000,000 | 64 | $ 5,992,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ 10,000,000 | 58 | $ 6,650,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 56 | $ 7,828,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 51 | $ 3,075,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,358,315,000 | 38 | $ 4,066,000 |
| Cooperativa De Ahorro Y Credito De Aguada P.O. BOX 543 AGUADA, PR 00602 |
* | $ 10,000,000 | 38 | $ 4,103,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ 525,000 | 38 | $ 3,532,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 8,649,723,000 | 30 | $ 337,000 |
| Santander Financial Services 207 AVE PONCE DE LEON SAN JUAN, PR 00926 |
* | $ 8,082,156,000 | 29 | $ 2,097,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 19,460,442,000 | 26 | $ 3,570,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ 10,000,000 | 26 | $ 2,608,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ 10,000,000 | 20 | $ 2,201,000 |
| Cooperativa De A\C Lares CARR 111 KM 3.8 AVE LOS PATRIOTAS LARES, PR 00669 |
* | $ 119,815,000 | 20 | $ 1,183,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ 789,772,000 | 20 | $ 2,300,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ 10,000,000 | 19 | $ 2,229,000 |
| Aeela Mortgage PO BOX 71502 SAN JUAN, PR 00936 |
* | $ 1,000,000,000 | 14 | $ 1,606,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ 10,000,000 | 14 | $ 1,355,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ 10,000,000 | 14 | $ 1,517,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ 10,000,000 | 13 | $ 1,343,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ 10,000,000 | 10 | $ 1,288,000 |
| Cooperativa Ahorro Y Credito A CARR. #2 KM. 142.8 MARGINAL BO. CARACOL ANASCO, PR 00610 |
* | $ 10,000,000 | 10 | $ 877,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ 10,000,000 | 9 | $ 977,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ 279,615,000 | 8 | $ 682,000 |
| Express Solution Mortgage Corp 1606 PONCE DE LEON AVE. SUITE L-06 SAN JUAN, PR 00909 |
* | $ 15,000,000 | 6 | $ 712,000 |
| Cooperativa De Mayaguez PO BOX 416 MAYAGUEZ, PR 00680 |
* | $ 49,000,000 | 5 | $ 409,000 |
| Cooperativa De Ahorro Y Credito De Camuy 300 AVE. BALTAZAR JIMENEZ MENDEZ CAMUY, PR 00627 |
* | $ 10,000,000 | 5 | $ 660,000 |
| Cooperativa De A/C Arecibo PO BOX 1056 ARECIBO, PR 00613 |
* | $ 10,000,000 | 4 | $ 557,000 |
| Cooperativa A/C Cabo Rojo PR 100 KM. 7.0 BO.MIRADERO CABO ROJO, PR 00623 |
* | $ 10,000,000 | 3 | $ 421,000 |
| Cooperativa De Ahorro Y Credito Del Bo. Quebrada De Camuy HC 02 BOX 7873 CAMUY, PR 00627 |
* | $ 10,000,000 | 2 | $ 49,000 |
| Vegacoop APARTADO 1078 VEGA ALTA, PR 00692 |
* | $ 262,934,000 | 2 | $ 170,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 2 | $ 73,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ 0 | 2 | $ 261,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ 10,000,000 | 1 | $ 194,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 19,000 |
| Banco Popular North America 85 BROAD STREET NEW YORK, NY 10004 |
* | $ 7,780,002,000 | 1 | $ 3,000 |
| Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A PO BOX 1865 ARECIBO, PR 00613 |
* | $ 202,737,729,000 | 1 | $ 107,000 |
| Cooperativa De Ac Maunabo BOX 127 MAUNABO, PR 00707 |
* | $ 10,000,000 | 1 | $ 139,000 |
| Cooperativa A/C Cristobal PO BOX 438 COAMO, PR 00769 |
* | $ 10,000,000 | 1 | $ 166,000 |
| First Security Mortgage, Inc. 97 DE DIEGO AVE. SAN FRANCISCO SAN JUAN, PR 00929 |
* | $ 10,000,000 | 1 | $ 230,000 |
The tables below break down 2016 mortgage applications in Aguadilla-Isabela-San Sebastian, PR metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Aguadilla-Isabela-San Sebastian, PR in 2016
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 Improvement | 1,436 | $23,519,000 | $16,000 | $307,000 | $30,000 | $632,000 |
| Home Purchase | 1,323 | $154,898,000 | $117,000 | $574,000 | $58,000 | $980,000 |
| Refinancing | 1,002 | $113,991,000 | $113,000 | $770,000 | $51,000 | $711,000 |
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 | 3,388 | $252,042,000 | $74,000 | $732,000 | $44,000 | $980,000 |
| Not applicable | 200 | $18,151,000 | $90,000 | $480,000 | $21,000 | $446,000 |
| White | 124 | $20,417,000 | $164,000 | $770,000 | $138,000 | $632,000 |
| Not Provided | 43 | $992,000 | $23,000 | $195,000 | $29,000 | $145,000 |
| Black or African American | 6 | $806,000 | $134,000 | $455,000 | $77,000 | $122,000 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,551 | $148,161,000 | $58,000 | $770,000 | $49,000 | $980,000 |
| FHA-insured (Federal Housing Administration) | 645 | $71,484,000 | $110,000 | $276,000 | $37,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 341 | $35,909,000 | $105,000 | $374,000 | $31,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 224 | $36,854,000 | $164,000 | $459,000 | $50,000 | $193,000 |
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 | 1,914 | $164,256,000 | $85,000 | $732,000 | $51,000 | $980,000 |
| Application Denied By Financial Institution | 1,061 | $52,928,000 | $49,000 | $770,000 | $35,000 | $626,000 |
| Application Withdrawn By Applicant | 264 | $33,255,000 | $125,000 | $574,000 | $65,000 | $960,000 |
| Loan Purchased By The Institution | 205 | $18,510,000 | $90,000 | $335,000 | $20,000 | $446,000 |
| Application Approved But Not Accepted | 178 | $8,768,000 | $49,000 | $417,000 | $45,000 | $202,000 |
| File Closed For Incompleteness | 139 | $14,691,000 | $105,000 | $281,000 | $57,000 | $512,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 75 | $6,627,000 | $88,000 | $231,000 | $42,000 | $250,000 |
| Collateral | 39 | $3,771,000 | $96,000 | $284,000 | $43,000 | $251,000 |
| Debt-To-Income Ratio | 37 | $3,460,000 | $93,000 | $250,000 | $42,000 | $185,000 |
| Other | 35 | $4,087,000 | $116,000 | $306,000 | $66,000 | $201,000 |
| Employment History | 6 | $716,000 | $119,000 | $147,000 | $52,000 | $61,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $499,000 | $99,000 | $178,000 | $25,000 | $41,000 |
| Credit Application Incomplete | 3 | $520,000 | $173,000 | $208,000 | $181,000 | $272,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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