Aguadilla-Isabela, PR Metro Area Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 1,208 mortgage applications in Aguadilla-Isabela, PR metro area totaling $236.0 million, down 12% from 2023. The average application was for $195,322, and applicants reported an average income of $108,000. 59% of applications resulted in an originated loan and 17% were denied. The most active lender was Banco Popular, with 327 applications, followed by Firstbank and Cooperativa De A/C Isabela.
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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 | 1,208 |
| Total Mortgage Loan Application Amount | $235,950,000 |
| Average Mortgage Loan Application Amount | $195,322 |
| Highest Mortgage Loan Application Amount | $4,725,000 |
| Average Applicant Income | $108,000 |
| Highest Applicant Income | $1,699,000 |
| 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 |
* | $ n/a | 327 | $ 73,235,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ n/a | 246 | $ 44,690,000 |
| Cooperativa De A/C Isabela 21 CALLE BARBOSA SUITE 1 ISABELA, PR 00662 |
* | $ n/a | 100 | $ 14,890,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ n/a | 90 | $ 13,730,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ n/a | 76 | $ 13,680,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ n/a | 52 | $ 9,190,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 46 | $ 11,890,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 40 | $ 13,060,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ n/a | 29 | $ 5,275,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ n/a | 20 | $ 3,800,000 |
| Cooperativa De A/C Camuy AVE. BALTAZAR JIMÉNEZ MÉNDEZ #300 CAMUY, PR 00627 |
* | $ n/a | 19 | $ 3,475,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 18 | $ 3,750,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 16 | $ 2,390,000 |
| Cooperativa De A\C Lares CARR 111 KM 3.8 AVE LOS PATRIOTAS LARES, PR 00669 |
* | $ n/a | 15 | $ 1,305,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ n/a | 11 | $ 1,725,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ n/a | 10 | $ 1,540,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ n/a | 8 | $ 1,440,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ n/a | 7 | $ 845,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ n/a | 5 | $ 1,055,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ n/a | 5 | $ 1,015,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ n/a | 5 | $ 475,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ n/a | 5 | $ 795,000 |
| Cooperativa De Ahorro Y Credito Del Bo. Quebrada De Camuy HC 02 BOX 7873 CAMUY, PR 00627 |
* | $ n/a | 5 | $ 565,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ n/a | 4 | $ 1,230,000 |
| Coop. De A/C La Puertorrique+¦A AVE. ANA G. MÉNDEZ, 9729 PR-176 KM 1.1 SAN JUAN, PR 00921 |
* | $ n/a | 4 | $ 480,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ n/a | 4 | $ 480,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ n/a | 4 | $ 640,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 4 | $ 2,820,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 3 | $ 515,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ n/a | 3 | $ 615,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 3 | $ 545,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ n/a | 3 | $ 595,000 |
| Cooperativa De Ac Manati PO BOX 30562 MANATI, PR 00674 |
* | $ n/a | 2 | $ 380,000 |
| Vegacoop APARTADO 1078 VEGA ALTA, PR 00692 |
* | $ n/a | 2 | $ 230,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 2 | $ 860,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ n/a | 2 | $ 280,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ n/a | 2 | $ 380,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 2 | $ 450,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ n/a | 2 | $ 300,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ n/a | 1 | $ 155,000 |
| Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A PO BOX 1865 ARECIBO, PR 00613 |
* | $ n/a | 1 | $ 105,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ n/a | 1 | $ 265,000 |
| Cooperativa De Ac Hatillo PO BOX 95 HATILLO, PR 00659 |
* | $ n/a | 1 | $ 145,000 |
| Coopaca Mortgage PO BOX 1056 ARECIBO, PR 00613 |
* | $ n/a | 1 | $ 135,000 |
| Cooperativa La Sagrada Familia CALLE BOU 38 COROZAL, PR 00783 |
* | $ n/a | 1 | $ 315,000 |
| San Rafael Coop CALLE RAFAEL RODR+¡GUEZ, CANAL 1 URB. AVI QUEBRADILLAS, PR 00678 |
* | $ n/a | 1 | $ 215,000 |
The tables below break down 2024 mortgage applications in Aguadilla-Isabela, 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, PR in 2024
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 | 907 | $184,885,000 | $203,000 | $4,725,000 | $111,000 | $1,699,000 |
| Cash-out Refinancing | 192 | $35,330,000 | $184,000 | $775,000 | $95,000 | $1,699,000 |
| Other Purpose | 34 | $5,140,000 | $151,000 | $315,000 | $73,000 | $430,000 |
| Refinancing | 25 | $3,755,000 | $150,000 | $305,000 | $99,000 | $370,000 |
| Home Improvement | 25 | $5,095,000 | $203,000 | $1,055,000 | $123,000 | $558,000 |
| Not Applicable | 25 | $1,745,000 | $69,000 | $255,000 | $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 | 979 | $172,785,000 | $176,000 | $1,405,000 | $91,000 | $1,512,000 |
| White | 94 | $36,980,000 | $393,000 | $4,725,000 | $242,000 | $1,699,000 |
| Not applicable | 92 | $12,620,000 | $137,000 | $455,000 | $0 | $0 |
| Not Provided | 26 | $8,150,000 | $313,000 | $765,000 | $202,000 | $553,000 |
| Black or African American | 10 | $3,060,000 | $306,000 | $525,000 | $179,000 | $643,000 |
| Asian | 4 | $810,000 | $202,000 | $495,000 | $129,000 | $142,000 |
| American Indian or Alaskan Native | 3 | $1,545,000 | $515,000 | $725,000 | $195,000 | $361,000 |
| 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) | 620 | $126,050,000 | $203,000 | $4,725,000 | $135,000 | $1,699,000 |
| FHA-insured (Federal Housing Administration) | 371 | $60,925,000 | $164,000 | $475,000 | $69,000 | $502,000 |
| VA-guaranteed (Veterans Administration) | 122 | $33,570,000 | $275,000 | $625,000 | $101,000 | $226,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 95 | $15,405,000 | $162,000 | $375,000 | $60,000 | $124,000 |
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 | 715 | $137,705,000 | $192,000 | $1,405,000 | $111,000 | $1,699,000 |
| Application Denied By Financial Institution | 203 | $44,905,000 | $221,000 | $1,995,000 | $96,000 | $1,551,000 |
| Application Withdrawn By Applicant | 148 | $32,270,000 | $218,000 | $4,725,000 | $108,000 | $774,000 |
| Loan Purchased By The Institution | 87 | $11,825,000 | $135,000 | $455,000 | $0 | $0 |
| Application Approved But Not Accepted | 29 | $4,515,000 | $155,000 | $355,000 | $92,000 | $273,000 |
| File Closed For Incompleteness | 25 | $4,415,000 | $176,000 | $605,000 | $110,000 | $387,000 |
| Preapproval Denied by Financial Institution | 1 | $315,000 | $315,000 | $315,000 | $81,000 | $81,000 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 999 | $190,165,000 | $190,000 | $4,725,000 | $110,000 | $1,699,000 |
| Collateral | 102 | $23,170,000 | $227,000 | $1,995,000 | $106,000 | $1,551,000 |
| Debt-To-Income Ratio | 49 | $11,895,000 | $242,000 | $1,005,000 | $89,000 | $370,000 |
| Credit History | 16 | $2,840,000 | $177,000 | $325,000 | $60,000 | $109,000 |
| Other | 15 | $2,725,000 | $181,000 | $605,000 | $100,000 | $419,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 14 | $3,120,000 | $222,000 | $725,000 | $96,000 | $361,000 |
| Unverifiable Information | 6 | $850,000 | $141,000 | $255,000 | $45,000 | $75,000 |
| Employment History | 3 | $425,000 | $141,000 | $175,000 | $69,000 | $120,000 |
| Credit Application Incomplete | 3 | $485,000 | $161,000 | $265,000 | $106,000 | $161,000 |
| Mortgage Insurance Denied | 1 | $275,000 | $275,000 | $275,000 | $86,000 | $86,000 |
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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