Aguadilla-Isabela-San Sebastian, PR Metro Area Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 2,635 mortgage applications in Aguadilla-Isabela-San Sebastian, PR metro area totaling $199.5 million, down 30% from 2016. The average application was for $75,715, and applicants reported an average income of $46,000. 48% of applications resulted in an originated loan and 32% were denied. The most active lender was Banco Popular, with 917 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 | 2,635 |
| Total Mortgage Loan Application Amount | $199,511,000 |
| Average Mortgage Loan Application Amount | $75,715 |
| Highest Mortgage Loan Application Amount | $672,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $960,000 |
| 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 |
* | $ 29,700,000,000 | 917 | $ 55,636,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 6,457,746,000 | 580 | $ 23,020,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 11,906,979,000 | 341 | $ 41,311,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 4,231,596,000 | 214 | $ 20,400,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ -1,000 | 104 | $ 11,615,000 |
| Banco Santander Puerto Rico P O BOX 362589, SAN JUAN, PR 00936 |
* | $ 5,339,217,000 | 66 | $ 6,704,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 9,512,407,000 | 57 | $ 528,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 33 | $ 4,130,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 30 | $ 4,013,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,629,405,000 | 27 | $ 3,043,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ -1,000 | 25 | $ 1,932,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 21,301,361,000 | 22 | $ 3,147,000 |
| Cooperativa De Ahorro Y Credito De Aguada P.O. BOX 543 AGUADA, PR 00602 |
* | $ -1,000 | 22 | $ 2,357,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ -1,000 | 21 | $ 2,337,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ -1,000 | 21 | $ 2,318,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 19 | $ 2,199,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ -1,000 | 19 | $ 3,565,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ -1,000 | 16 | $ 1,296,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 12 | $ 1,310,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ -1,000 | 11 | $ 1,276,000 |
| Cooperativa De Ahorro Y Credito De Camuy 300 AVE. BALTAZAR JIMENEZ MENDEZ CAMUY, PR 00627 |
* | $ -1,000 | 11 | $ 1,661,000 |
| Express Solution Mortgage Corp 1606 PONCE DE LEON AVE. SUITE L-06 SAN JUAN, PR 00909 |
* | $ -1,000 | 9 | $ 1,362,000 |
| Cooperativa De A\C Lares CARR 111 KM 3.8 AVE LOS PATRIOTAS LARES, PR 00669 |
* | $ -1,000 | 7 | $ 708,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 7 | $ 30,000 |
| Coopaca Mortgage PO BOX 1056 ARECIBO, PR 00613 |
* | $ -1,000 | 6 | $ 543,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ -1,000 | 6 | $ 690,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 4 | $ 284,000 |
| Cooperativa Ahorro Y Credito A CARR. #2 KM. 142.8 MARGINAL BO. CARACOL ANASCO, PR 00610 |
* | $ -1,000 | 4 | $ 306,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ -1,000 | 4 | $ 262,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 4 | $ 31,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ -1,000 | 4 | $ 298,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ -1,000 | 3 | $ 537,000 |
| Banco Popular North America 85 BROAD STREET NEW YORK, NY 10004 |
* | $ 8,629,295,000 | 2 | $ 15,000 |
| First Security Mortgage, Inc. 97 DE DIEGO AVE. SAN FRANCISCO SAN JUAN, PR 00929 |
* | $ -1,000 | 2 | $ 144,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 336,222,000 | 2 | $ 367,000 |
| Cooperativa De Ac Las Piedras APARTADO 414 LAS PIEDRAS, PR 00771 |
* | $ -1,000 | 1 | $ 35,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 81,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 715,254,000 | 1 | $ 20,000 |
The tables below break down 2017 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 2017
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 | 1,103 | $19,087,000 | $17,000 | $350,000 | $31,000 | $670,000 |
| Home Purchase | 969 | $117,286,000 | $121,000 | $500,000 | $61,000 | $960,000 |
| Refinancing | 563 | $63,138,000 | $112,000 | $672,000 | $49,000 | $387,000 |
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 | 2,397 | $170,623,000 | $71,000 | $500,000 | $44,000 | $960,000 |
| Not applicable | 100 | $11,690,000 | $116,000 | $320,000 | $18,000 | $307,000 |
| White | 80 | $14,231,000 | $177,000 | $672,000 | $130,000 | $529,000 |
| Not Provided | 50 | $1,754,000 | $35,000 | $300,000 | $34,000 | $136,000 |
| Black or African American | 6 | $913,000 | $152,000 | $201,000 | $206,000 | $466,000 |
| Asian | 2 | $300,000 | $150,000 | $202,000 | $184,000 | $187,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,744 | $94,697,000 | $54,000 | $672,000 | $49,000 | $960,000 |
| FHA-insured (Federal Housing Administration) | 412 | $45,992,000 | $111,000 | $330,000 | $40,000 | $215,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 321 | $32,445,000 | $101,000 | $202,000 | $32,000 | $94,000 |
| VA-guaranteed (Veterans Administration) | 158 | $26,377,000 | $166,000 | $468,000 | $56,000 | $529,000 |
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 | 1,270 | $103,172,000 | $81,000 | $672,000 | $51,000 | $555,000 |
| Application Denied By Financial Institution | 841 | $42,826,000 | $50,000 | $500,000 | $35,000 | $670,000 |
| Application Withdrawn By Applicant | 182 | $22,014,000 | $120,000 | $468,000 | $66,000 | $529,000 |
| Application Approved But Not Accepted | 143 | $7,707,000 | $53,000 | $253,000 | $45,000 | $235,000 |
| Loan Purchased By The Institution | 103 | $12,010,000 | $116,000 | $282,000 | $17,000 | $109,000 |
| File Closed For Incompleteness | 96 | $11,782,000 | $122,000 | $350,000 | $71,000 | $960,000 |
| 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 | 56 | $5,866,000 | $104,000 | $326,000 | $55,000 | $190,000 |
| Debt-To-Income Ratio | 29 | $2,004,000 | $69,000 | $208,000 | $42,000 | $257,000 |
| Other | 29 | $2,935,000 | $101,000 | $190,000 | $52,000 | $125,000 |
| Collateral | 26 | $2,725,000 | $104,000 | $233,000 | $42,000 | $130,000 |
| Employment History | 6 | $688,000 | $114,000 | $208,000 | $38,000 | $62,000 |
| Credit Application Incomplete | 4 | $460,000 | $115,000 | $206,000 | $42,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $181,000 | $90,000 | $117,000 | $113,000 | $192,000 |
| Mortgage Insurance Denied | 1 | $55,000 | $55,000 | $55,000 | $60,000 | $60,000 |
| Unverifiable Information | 1 | $163,000 | $163,000 | $163,000 | $42,000 | $42,000 |
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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