Caguas, PR Metro Area Mortgage Lenders & HMDA Data, 2003
In 2003, lenders reported 22,559 mortgage applications in Caguas, PR metro area totaling $2.2 billion. The average application was for $99,302, and applicants reported an average income of $50,000. 50% of applications resulted in an originated loan and 20% were denied. The most active lender was Banco Popular De Puerto Rico, with 3,054 applications, followed by Doral Mortgage Corp. and Hf Mortgage Bankers.
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| Years | 2003 |
| Total Number of Mortgage Applications | 22,559 |
| Total Mortgage Loan Application Amount | $2,240,162,000 |
| Average Mortgage Loan Application Amount | $99,302 |
| Highest Mortgage Loan Application Amount | $1,450,000 |
| Average Applicant Income | $50,000 |
| Highest Applicant Income | $1,613,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| 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 | 3,054 | $ 93,172,000 |
| Doral Mortgage Corp. DORAL FINANCIAL PLAZA 1451 ROOSEVELT AVE S.J., PR 00921 |
* | $ 31,000,000 | 2,817 | $ 285,977,000 |
| Hf Mortgage Bankers 1159 AVE FRANKLIN D. ROOSEVELT SAN JUAN, PR 00920 |
* | $ 31,000,000 | 1,999 | $ 254,445,000 |
| Popular Mortgage, Inc. PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 21,491,000,000 | 1,723 | $ 233,513,000 |
| R & G Mortgage Corporation P O BOX 362394 SAN JUAN, PR 00936 |
* | $ 6,277,246,000 | 1,520 | $ 153,239,000 |
| Firstbank Puerto Rico PO BOX 9146 SANTURCE, PR 00908 |
* | $ 9,582,508,000 | 1,317 | $ 143,011,000 |
| R-G Premier Bank of P.R. PO BOX 2510 GUAYNABO, PR 00970 |
* | $ 4,694,821,000 | 1,294 | $ 157,430,000 |
| Banco Santander P.O.BOX 362589 SAN JUAN, PR 00936 |
* | $ 7,061,819,000 | 1,282 | $ 98,511,000 |
| Doral Bank 268 PONCE DE LEON SUITE 910 SAN JUAN, PR 00918 |
* | $ 5,049,804,000 | 1,282 | $ 194,908,000 |
| Citibank, N.A. 601 LEXINGTON AVENUE, 20TH FLOOR NEW YORK, NY 10022 |
* | $ 498,676,000,000 | 1,085 | $ 53,982,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 2,750,103,000 | 665 | $ 68,469,000 |
| Associates International Hold 1 COURT SQUARE, 45TH FLOOR, ZONE 15 LONG ISLAND CITY, NY 11120 |
* | $ 424,000,000,000 | 552 | $ 14,806,000 |
| Santander Mortgage PO BOX 192199 SAN JUAN, PR 00919 |
* | $ 7,063,554,000 | 493 | $ 86,959,000 |
| Easy Money - Mortgage Division 22 MUNOZ MARIN AVE VILLA BLANC CAGUAS, PR 00725 |
* | $ 10,000,000 | 453 | $ 37,930,000 |
| Cmfc, Inc. ONE COURT SQUARE, 45TH FLOOR/ZONE 15 LONG ISLAND CITY, NY 11120 |
* | $ 455,000,000,000 | 304 | $ 27,605,000 |
| Sana Investment Mortgage Banke DORAL BANK BLD 1569 ALDA ST SUITE 302 RIO PIEDRAS, PR 00926 |
* | $ 10,000,000 | 296 | $ 32,661,000 |
| Westernbak Puerto Rico PO BOX 1180 MAYAGUEZ, PR 00681 |
* | $ 8,187,573,000 | 254 | $ 13,951,000 |
| Levitt Mortgage Corporation PO BOX 193970 SAN JUAN, PR 00919 |
* | $ 33,660,000,000 | 230 | $ 60,234,000 |
| Banco Bilbao Vizcaya Argentari 254 MUNOZ RIVERA AVE SAN JUAN, PR 00918 |
* | $ 5,140,685,000 | 230 | $ 36,194,000 |
| Aaa Concordia Mortgage Corp. RR-37 BOX 1837 TEL. 758-1188 SAN JUAN, PR 00926 |
* | $ 10,000,000 | 189 | $ 17,894,000 |
| The Mortgage Store of P.R. PO BOX 362394 SAN JUAN, PR 00936 |
* | $ 6,277,246,000 | 146 | $ 15,226,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 1,366,266,000 | 125 | $ 7,941,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ 10,000,000 | 122 | $ 12,970,000 |
| Centro Hipotecario Hato Rey 305 AVE FRANKLIN D. ROOSEVELT SAN JUAN, PR 00918 |
* | $ 10,000,000 | 120 | $ 15,626,000 |
| New York Mortgage Bankers AVE.PONCE DE LEON #818 MIRAMAR SAN JUAN, PR 00908 |
* | $ 10,000,000 | 115 | $ 16,993,000 |
| Popular Finance, Inc. PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 21,491,000,000 | 91 | $ 4,748,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ 10,000,000 | 90 | $ 9,828,000 |
| R-G Crown Bank 105 LIVE OAKS GARDENS CASSELBERRY, FL 32707 |
* | $ 852,177,000 | 88 | $ 8,244,000 |
| Master Mortgage Corporation 280 DOMENECH AVE. BALDRICH DEV. SAN JUAN, PR 00918 |
* | $ 10,000,000 | 78 | $ 9,175,000 |
| Firstmortgage PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 9,582,507,000 | 74 | $ 10,170,000 |
| Eurobank PO BOX 191009 SAN JUAN, PR 00926 |
* | $ 1,033,878,000 | 48 | $ 9,652,000 |
| Pan American Financial Corp. 1505 F.D. ROOSEVELT, SUITE 201 GUAYNABO, PR 00968 |
* | $ 10,000,000 | 46 | $ 5,744,000 |
| First Equity Mortgage Bankers 9300 S DADELAND BLVD SUITE 500 MIAMI, FL 33156 |
* | $ 10,000,000 | 41 | $ 7,329,000 |
| Jt Mortgage Corp. P O BOX 1768 CAGUAS, PR 00726 |
* | $ 10,000,000 | 41 | $ 2,664,000 |
| Emi Equity Mortgage Inc. 413 BOLIVAR ST SAN JUAN, PR 00912 |
* | $ 10,000,000 | 38 | $ 5,299,000 |
| Rbs Mortgage Corporation 894-D MUNOZ RIVERA AVE SUITE 106 SAN JUAN, PR 00927 |
* | $ 10,000,000 | 34 | $ 5,685,000 |
| Popular Auto PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 21,491,000,000 | 30 | $ 185,000 |
| First Security Mortgage 97 DE DIEGO AVE. SAN JUAN, PR 00929 |
* | $ 10,000,000 | 29 | $ 3,781,000 |
| Rf Mortgage (Tel 782-8255; Fax 1148 AVE FRANKLIN D. ROOSEVELT SAN JUAN, PR 00920 |
* | $ 10,000,000 | 28 | $ 4,716,000 |
| Beewee Mortgage Bankers Corpor 416 PONCE DE LEON UNION PLAZA SAN JUAN, PR 00918 |
* | $ 10,000,000 | 24 | $ 4,705,000 |
| Beneficial Mortgage Corp. 1322 F.D. ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ 10,000,000 | 24 | $ 4,201,000 |
| The Mortgage Loan Co. 915 CAMPO RICO AVE SAN JUAN, PR 00924 |
* | $ 10,000,000 | 18 | $ 2,557,000 |
| The B&T of Puerto Rico BANKTRUST PLAZA SUITE 101 SAN JUAN, PR 00917 |
* | $ 681,805,000 | 18 | $ 1,131,000 |
| Wells Fargo Home Mortgage 1 HOME CAMPUS, X9902-1R DES MOINES, IA 50328 |
* | $ 35,000,000,000 | 18 | $ 3,317,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 149,158,000 | 9 | $ 1,244,000 |
| Cooperativa De A/C Arecibo PO BOX 1056 ARECIBO, PR 00613 |
* | $ 10,000,000 | 8 | $ 386,000 |
| Puerto Rico Farm Credit, Aca PO BOX 363649 SAN JUAN, PR 00936 |
* | $ 10,000,000 | 6 | $ 769,000 |
| Nfcu 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 17,573,420,000 | 3 | $ 46,000 |
| Traditional Bankers Mortgage BOX 7383 PONCE, PR 00732 |
* | $ 10,000,000 | 3 | $ 318,000 |
| Puerto Rico Federal Credit Uni RESOLUCION 55 ESQ. AVE ROOSEVELT SAN JUAN, PR 00922 |
* | $ 117,200,000 | 2 | $ 266,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 3,882,664,000 | 1 | $ 220,000 |
| Fort Buchanan Federal Credit U PO BOX 34120 FORT BUCHANAN, PR 00934 |
* | $ 66,138,000 | 1 | $ 80,000 |
| Vapr Federal Credit Union 2400 177 ROAD GUAYNABO, PR 00969 |
* | $ 85,324,000 | 1 | $ 55,000 |
The tables below break down 2003 mortgage applications in Caguas, 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 Caguas, 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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 10,550 | $1,149,320,000 | $108,000 | $1,450,000 | $50,000 | $1,000,000 |
| Home Purchase (one-to-four family) | 7,193 | $1,016,531,000 | $141,000 | $880,000 | $54,000 | $1,613,000 |
| Home Improvement (one-to-four family) | 4,805 | $72,369,000 | $15,000 | $1,000,000 | $40,000 | $887,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 11 | $1,942,000 | $176,000 | $425,000 | $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 | 20,014 | $1,995,470,000 | $99,000 | $1,450,000 | $51,000 | $1,026,000 |
| Not applicable | 1,418 | $205,468,000 | $144,000 | $647,000 | $28,000 | $1,613,000 |
| Information not provided by applicant in mail or telephone application | 948 | $30,975,000 | $32,000 | $647,000 | $47,000 | $357,000 |
| White | 115 | $4,372,000 | $38,000 | $315,000 | $74,000 | $332,000 |
| Black | 30 | $1,007,000 | $33,000 | $212,000 | $52,000 | $172,000 |
| Other | 14 | $1,949,000 | $139,000 | $343,000 | $71,000 | $134,000 |
| American Indian or Alaskan Native | 11 | $487,000 | $44,000 | $153,000 | $52,000 | $110,000 |
| Asian or Pacific Islander | 9 | $434,000 | $48,000 | $200,000 | $50,000 | $132,000 |
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) | 20,751 | $2,052,576,000 | $98,000 | $1,450,000 | $53,000 | $1,613,000 |
| FHA-insured (Federal Housing Administration) | 1,530 | $155,867,000 | $101,000 | $215,000 | $36,000 | $321,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 186 | $18,595,000 | $99,000 | $251,000 | $39,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 92 | $13,124,000 | $142,000 | $263,000 | $44,000 | $123,000 |
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 | 11,256 | $1,267,112,000 | $112,000 | $1,000,000 | $58,000 | $1,613,000 |
| Application Denied By Financial Institution | 4,406 | $189,271,000 | $42,000 | $1,450,000 | $43,000 | $1,000,000 |
| Loan Purchased By The Institution | 2,927 | $358,844,000 | $122,000 | $647,000 | $27,000 | $507,000 |
| Application Withdrawn By Applicant | 1,457 | $164,397,000 | $112,000 | $850,000 | $53,000 | $838,000 |
| File Closed For Incompleteness | 1,422 | $144,816,000 | $101,000 | $544,000 | $48,000 | $784,000 |
| Application Approved But Not Accepted | 1,091 | $115,722,000 | $106,000 | $900,000 | $64,000 | $664,000 |
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 | 1,099 | $51,199,000 | $46,000 | $475,000 | $42,000 | $1,000,000 |
| Debt-To-Income Ratio | 538 | $28,111,000 | $52,000 | $1,450,000 | $36,000 | $285,000 |
| Other | 272 | $12,190,000 | $44,000 | $385,000 | $57,000 | $357,000 |
| Collateral | 215 | $14,472,000 | $67,000 | $364,000 | $41,000 | $461,000 |
| Credit Application Incomplete | 85 | $5,852,000 | $68,000 | $630,000 | $69,000 | $335,000 |
| Employment History | 51 | $4,290,000 | $84,000 | $219,000 | $39,000 | $128,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 20 | $2,599,000 | $129,000 | $285,000 | $42,000 | $104,000 |
| Mortgage Insurance Denied | 4 | $502,000 | $125,000 | $175,000 | $48,000 | $103,000 |
| Unverifiable Information | 3 | $339,000 | $113,000 | $159,000 | $59,000 | $85,000 |
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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