Aguadilla, PR Metro Area Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 4,697 mortgage applications in Aguadilla, PR metro area totaling $274.0 million. The average application was for $58,325, and applicants reported an average income of $41,000. 48% of applications resulted in an originated loan and 28% were denied. The most active lender was Banco Popular De Puerto Rico, with 1,314 applications, followed by Popular Mortgage, Inc. and R-G Premier Bank of P.R..
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| Years | 2003 |
| Total Number of Mortgage Applications | 4,697 |
| Total Mortgage Loan Application Amount | $273,956,000 |
| Average Mortgage Loan Application Amount | $58,325 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $41,000 |
| Highest Applicant Income | $1,388,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Banco Popular De Puerto Rico PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 21,491,000,000 | 1,314 | $ 19,895,000 |
| Popular Mortgage, Inc. PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 21,491,000,000 | 460 | $ 46,263,000 |
| R-G Premier Bank of P.R. PO BOX 2510 GUAYNABO, PR 00970 |
* | $ 4,694,821,000 | 379 | $ 26,225,000 |
| Banco Santander P.O.BOX 362589 SAN JUAN, PR 00936 |
* | $ 7,061,819,000 | 374 | $ 14,464,000 |
| Westernbak Puerto Rico PO BOX 1180 MAYAGUEZ, PR 00681 |
* | $ 8,187,573,000 | 352 | $ 14,933,000 |
| Doral Mortgage Corp. DORAL FINANCIAL PLAZA 1451 ROOSEVELT AVE S.J., PR 00921 |
* | $ 31,000,000 | 285 | $ 25,789,000 |
| R & G Mortgage Corporation P O BOX 362394 SAN JUAN, PR 00936 |
* | $ 6,277,246,000 | 284 | $ 23,356,000 |
| Associates International Hold 1 COURT SQUARE, 45TH FLOOR, ZONE 15 LONG ISLAND CITY, NY 11120 |
* | $ 424,000,000,000 | 165 | $ 4,759,000 |
| Firstbank Puerto Rico PO BOX 9146 SANTURCE, PR 00908 |
* | $ 9,582,508,000 | 152 | $ 13,040,000 |
| Hf Mortgage Bankers 1159 AVE FRANKLIN D. ROOSEVELT SAN JUAN, PR 00920 |
* | $ 31,000,000 | 115 | $ 9,940,000 |
| The Mortgage Store of P.R. PO BOX 362394 SAN JUAN, PR 00936 |
* | $ 6,277,246,000 | 112 | $ 9,911,000 |
| Santander Mortgage PO BOX 192199 SAN JUAN, PR 00919 |
* | $ 7,063,554,000 | 105 | $ 13,954,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 498,676,000,000 | 95 | $ 3,363,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 2,750,103,000 | 79 | $ 8,441,000 |
| Popular Finance, Inc. PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 21,491,000,000 | 71 | $ 3,254,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 1,366,266,000 | 66 | $ 5,527,000 |
| Doral Bank 268 PONCE DE LEON SUITE 910 SAN JUAN, PR 00918 |
* | $ 5,049,804,000 | 52 | $ 6,732,000 |
| Cmfc, Inc. ONE COURT SQUARE, 45TH FLOOR/ZONE 15 LONG ISLAND CITY, NY 11120 |
* | $ 455,000,000,000 | 41 | $ 3,508,000 |
| R-G Crown Bank 105 LIVE OAKS GARDENS CASSELBERRY, FL 32707 |
* | $ 852,177,000 | 26 | $ 2,004,000 |
| Banco Bilbao Vizcaya Argentari 254 MUNOZ RIVERA AVE SAN JUAN, PR 00918 |
* | $ 5,140,685,000 | 25 | $ 2,647,000 |
| Master Mortgage Corporation 280 DOMENECH AVE. BALDRICH DEV. SAN JUAN, PR 00918 |
* | $ 10,000,000 | 20 | $ 3,517,000 |
| Sana Investment Mortgage Banke DORAL BANK BLD 1569 ALDA ST SUITE 302 RIO PIEDRAS, PR 00926 |
* | $ 10,000,000 | 20 | $ 1,899,000 |
| Firstmortgage PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 9,582,507,000 | 16 | $ 1,828,000 |
| New York Mortgage Bankers AVE.PONCE DE LEON #818 MIRAMAR SAN JUAN, PR 00908 |
* | $ 10,000,000 | 11 | $ 1,362,000 |
| Traditional Bankers Mortgage BOX 7383 PONCE, PR 00732 |
* | $ 10,000,000 | 10 | $ 995,000 |
| Centro Hipotecario Hato Rey 305 AVE FRANKLIN D. ROOSEVELT SAN JUAN, PR 00918 |
* | $ 10,000,000 | 10 | $ 1,482,000 |
| Popular Auto PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 21,491,000,000 | 8 | $ 12,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ 10,000,000 | 6 | $ 462,000 |
| Rbs Mortgage Corporation 894-D MUNOZ RIVERA AVE SUITE 106 SAN JUAN, PR 00927 |
* | $ 10,000,000 | 6 | $ 690,000 |
| Pan American Financial Corp. 1505 F.D. ROOSEVELT, SUITE 201 GUAYNABO, PR 00968 |
* | $ 10,000,000 | 6 | $ 422,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 6 | $ 122,000 |
| Easy Money - Mortgage Division 22 MUNOZ MARIN AVE VILLA BLANC CAGUAS, PR 00725 |
* | $ 10,000,000 | 6 | $ 601,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 1,621,446,000 | 5 | $ 23,000 |
| Rf Mortgage (Tel 782-8255; Fax 1148 AVE FRANKLIN D. ROOSEVELT SAN JUAN, PR 00920 |
* | $ 10,000,000 | 3 | $ 153,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ 10,000,000 | 2 | $ 187,000 |
| First Security Mortgage 97 DE DIEGO AVE. SAN JUAN, PR 00929 |
* | $ 10,000,000 | 2 | $ 1,188,000 |
| Cooperativa De A/C Arecibo PO BOX 1056 ARECIBO, PR 00613 |
* | $ 10,000,000 | 1 | $ 38,000 |
| Fleet National Bank 525 N TRYON ST NC1-023-06-04 CHARLOTTE, NC 28255 |
* | $ 179,362,000,000 | 1 | $ 59,000 |
| Puerto Rico Farm Credit, Aca PO BOX 363649 SAN JUAN, PR 00936 |
* | $ 10,000,000 | 1 | $ 170,000 |
| Beewee Mortgage Bankers Corpor 416 PONCE DE LEON UNION PLAZA SAN JUAN, PR 00918 |
* | $ 10,000,000 | 1 | $ 72,000 |
| Washington Mutual Bank 227 EAST AVENUE ALBION, NY 14411 |
* | $ 236,422,336,000 | 1 | $ 231,000 |
| Jt Mortgage Corp. P O BOX 1768 CAGUAS, PR 00726 |
* | $ 10,000,000 | 1 | $ 60,000 |
| First Equity Mortgage Bankers 9300 S DADELAND BLVD SUITE 500 MIAMI, FL 33156 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Levitt Mortgage Corporation PO BOX 193970 SAN JUAN, PR 00919 |
* | $ 33,660,000,000 | 1 | $ 178,000 |
The tables below break down 2003 mortgage applications in Aguadilla, 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, PR in 2003
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 (one-to-four family) | 2,011 | $26,656,000 | $13,000 | $350,000 | $27,000 | $840,000 |
| Refinancing (home purchase or home improvement, one-to-four family) | 1,793 | $161,801,000 | $90,000 | $1,500,000 | $43,000 | $1,388,000 |
| Home Purchase (one-to-four family) | 893 | $85,499,000 | $95,000 | $696,000 | $45,000 | $922,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $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 | 4,037 | $237,627,000 | $58,000 | $1,500,000 | $43,000 | $1,388,000 |
| Information not provided by applicant in mail or telephone application | 334 | $7,358,000 | $22,000 | $240,000 | $35,000 | $282,000 |
| Not applicable | 268 | $26,444,000 | $98,000 | $696,000 | $16,000 | $326,000 |
| White | 52 | $2,279,000 | $43,000 | $360,000 | $49,000 | $156,000 |
| Black | 3 | $70,000 | $23,000 | $50,000 | $18,000 | $30,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $9,000 | $9,000 |
| Asian or Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $53,000 | $53,000 |
| Other | 1 | $83,000 | $83,000 | $83,000 | $44,000 | $44,000 |
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) | 4,435 | $251,829,000 | $56,000 | $1,500,000 | $43,000 | $1,388,000 |
| FHA-insured (Federal Housing Administration) | 207 | $16,551,000 | $79,000 | $157,000 | $32,000 | $158,000 |
| VA-guaranteed (Veterans Administration) | 34 | $3,791,000 | $111,000 | $220,000 | $43,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 21 | $1,785,000 | $85,000 | $125,000 | $30,000 | $53,000 |
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 | 2,238 | $143,045,000 | $63,000 | $620,000 | $46,000 | $968,000 |
| Application Denied By Financial Institution | 1,297 | $37,925,000 | $29,000 | $1,500,000 | $39,000 | $840,000 |
| Application Withdrawn By Applicant | 379 | $29,195,000 | $77,000 | $415,000 | $44,000 | $327,000 |
| Loan Purchased By The Institution | 371 | $35,227,000 | $94,000 | $696,000 | $21,000 | $1,388,000 |
| Application Approved But Not Accepted | 218 | $11,552,000 | $52,000 | $325,000 | $38,000 | $542,000 |
| File Closed For Incompleteness | 194 | $17,012,000 | $87,000 | $350,000 | $43,000 | $180,000 |
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 | 182 | $7,767,000 | $42,000 | $1,400,000 | $51,000 | $636,000 |
| Debt-To-Income Ratio | 129 | $3,617,000 | $28,000 | $185,000 | $30,000 | $110,000 |
| Other | 55 | $3,586,000 | $65,000 | $1,500,000 | $46,000 | $388,000 |
| Collateral | 39 | $2,781,000 | $71,000 | $1,000,000 | $64,000 | $350,000 |
| Credit Application Incomplete | 19 | $1,119,000 | $58,000 | $130,000 | $32,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $426,000 | $35,000 | $89,000 | $31,000 | $64,000 |
| Employment History | 6 | $208,000 | $34,000 | $85,000 | $24,000 | $55,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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