Carolina Municipio, PR Mortgage Lenders & HMDA Data, 2014
In 2014, lenders reported 4,386 mortgage applications in Carolina Municipio, PR totaling $432.2 million, down 31% from 2013. The average application was for $98,000, and applicants reported an average income of $45,000. 43% of applications resulted in an originated loan and 20% were denied. The most active lender was Banco Popular, with 1,366 applications, followed by Firstbank and Scotiabank De Puerto Rico.
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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 2003 |
| Total Number of Mortgage Applications | 4,386 |
| Total Mortgage Loan Application Amount | $432,183,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $1,098,000 |
| Average Applicant Income | $45,000 |
| Highest Applicant Income | $2,236,000 |
* 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 PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 26,563,000,000 | 1,366 | $ 116,910,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 12,636,531,000 | 721 | $ 78,671,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 5,491,658,000 | 494 | $ 45,040,000 |
| Doral Mortgage LLC DORAL FINANCIAL PLAZA, 1451 ROOSEVELT AV SAN JUAN, PR 00921 |
* | $ 11,855,073,000 | 381 | $ 45,075,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 8,100,165,000 | 319 | $ 21,148,000 |
| Doral Bank 268 PONCE DE LEON SUITE 910 SAN JUAN, PR 00918 |
* | $ 7,970,729,000 | 256 | $ 30,311,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ 10,000,000 | 139 | $ 15,139,000 |
| Banco Santander Puerto Rico P O BOX 362589, SAN JUAN, PR 00936 |
* | $ 6,664,323,000 | 92 | $ 9,117,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ 10,000,000 | 64 | $ 7,971,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 50 | $ 5,744,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ 10,000,000 | 42 | $ 5,231,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ 10,000,000 | 39 | $ 4,544,000 |
| First Security Mortgage, Inc. 97 DE DIEGO AVE. SAN FRANCISCO SAN JUAN, PR 00929 |
* | $ 10,000,000 | 33 | $ 4,342,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ 10,000,000 | 30 | $ 3,346,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ 10,000,000 | 29 | $ 3,555,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ 10,000,000 | 29 | $ 3,168,000 |
| Santander Financial Services 207 AVE PONCE DE LEON SAN JUAN, PR 00926 |
* | $ 8,082,156,000 | 29 | $ 2,005,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ 525,000 | 26 | $ 2,653,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ 279,615,000 | 24 | $ 2,959,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ 789,772,000 | 23 | $ 3,423,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ 10,000,000 | 19 | $ 2,373,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,861,646,000 | 16 | $ 1,683,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 15 | $ 2,154,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ 10,000,000 | 13 | $ 1,502,000 |
| Rbs Mortgage Corporation 894-D MUNOZ RIVERA AVE, SUITE 106 SAN JUAN, PR 00927 |
* | $ 10,000,000 | 13 | $ 1,627,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ 0 | 12 | $ 1,299,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 12 | $ 1,495,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 12 | $ 743,000 |
| The Mortgage House Inc. 915 ROBERTO SANCHEZ VILELA AVE SAN JUAN, PR 00924 |
* | $ 10,000,000 | 11 | $ 1,343,000 |
| Aeela Mortgage PO BOX 71502 SAN JUAN, PR 00936 |
* | $ 1,000,000,000 | 11 | $ 1,038,000 |
| Aaa Concordia Mortgage Corp RR-37 BOX 1837 SAN JUAN, PR 00926 |
* | $ 10,000,000 | 10 | $ 1,054,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,596,388,000 | 9 | $ 710,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ 10,000,000 | 7 | $ 609,000 |
| Advance Mortgage Bankers, Inc. P.O. BOX 50286 TOA BAJA, PR 00950 |
* | $ 15,555,000 | 6 | $ 597,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ 10,000,000 | 5 | $ 631,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ 155,431,000 | 5 | $ 363,000 |
| Express Solution Mortgage Corp 1606 PONCE DE LEON AVE. SUITE L-06 SAN JUAN, PR 00909 |
* | $ 15,000,000 | 3 | $ 325,000 |
| Vegacoop APARTADO 1078 VEGA ALTA, PR 00692 |
* | $ 262,934,000 | 3 | $ 529,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 274,118,000 | 3 | $ 438,000 |
| Banco Popular North America 85 BROAD STREET NEW YORK, NY 10004 |
* | $ 8,755,205,000 | 2 | $ 11,000 |
| Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A PO BOX 1865 ARECIBO, PR 00613 |
* | $ 222,466,000 | 2 | $ 105,000 |
| Cooperativa De A/C Arecibo PO BOX 1056 ARECIBO, PR 00613 |
* | $ 10,000,000 | 2 | $ 117,000 |
| Cooperativa De A\C Aibonite+¦A 100 CALLE JOSE C VAZQUE AIBONITO, PR 00705 |
* | $ 62,637,000 | 1 | $ 147,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ 10,000,000 | 1 | $ 200,000 |
| Cooperativa A/C Caribe Coop. P.O. BOX 560547 GUAYANILLA, PR 00656 |
* | $ 100,068,000 | 1 | $ 124,000 |
| Cooperativa De Mayaguez PO BOX 416 MAYAGUEZ, PR 00680 |
* | $ 49,000,000 | 1 | $ 30,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,569,087,000 | 1 | $ 47,000 |
| Vapr Federal Credit Union 2400 177 ROAD GUAYNABO, PR 00969 |
* | $ 178,026,000 | 1 | $ 96,000 |
| Banesco USA 150 ALHAMBRA CIRCLE , SUITE 100 CORAL GABLES, FL 33134 |
* | $ 820,234,000 | 1 | $ 355,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 55,502,976,000 | 1 | $ 6,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 17,638,918,000 | 1 | $ 80,000 |
The tables below break down 2014 mortgage applications in Carolina Municipio, PR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Carolina Municipio, PR in 2014
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 | 1,877 | $218,127,000 | $116,000 | $1,098,000 | $42,000 | $1,464,000 |
| Home Purchase | 1,520 | $191,125,000 | $125,000 | $784,000 | $54,000 | $2,236,000 |
| Home Improvement | 989 | $22,931,000 | $23,000 | $375,000 | $35,000 | $293,000 |
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 | 3,300 | $315,886,000 | $95,000 | $1,098,000 | $45,000 | $1,464,000 |
| Not applicable | 992 | $107,837,000 | $108,000 | $535,000 | $40,000 | $2,079,000 |
| White | 44 | $5,802,000 | $131,000 | $298,000 | $156,000 | $2,236,000 |
| Not Provided | 33 | $921,000 | $27,000 | $152,000 | $29,000 | $114,000 |
| Black or African American | 9 | $978,000 | $108,000 | $154,000 | $38,000 | $63,000 |
| Asian | 5 | $398,000 | $79,000 | $111,000 | $36,000 | $65,000 |
| American Indian or Alaskan Native | 2 | $198,000 | $99,000 | $109,000 | $43,000 | $60,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $163,000 | $163,000 | $163,000 | $72,000 | $72,000 |
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) | 2,825 | $250,028,000 | $88,000 | $1,098,000 | $55,000 | $2,236,000 |
| FHA-insured (Federal Housing Administration) | 1,313 | $145,553,000 | $110,000 | $311,000 | $25,000 | $247,000 |
| VA-guaranteed (Veterans Administration) | 231 | $34,166,000 | $147,000 | $459,000 | $32,000 | $266,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $2,436,000 | $143,000 | $286,000 | $36,000 | $68,000 |
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 | 1,876 | $183,946,000 | $98,000 | $784,000 | $47,000 | $762,000 |
| Loan Purchased By The Institution | 1,009 | $109,581,000 | $108,000 | $535,000 | $39,000 | $2,079,000 |
| Application Denied By Financial Institution | 866 | $65,765,000 | $75,000 | $392,000 | $42,000 | $1,464,000 |
| Application Withdrawn By Applicant | 357 | $43,129,000 | $120,000 | $1,098,000 | $50,000 | $608,000 |
| File Closed For Incompleteness | 153 | $19,967,000 | $130,000 | $1,030,000 | $67,000 | $2,236,000 |
| Application Approved But Not Accepted | 125 | $9,795,000 | $78,000 | $306,000 | $40,000 | $305,000 |
| 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 | 57 | $6,023,000 | $105,000 | $298,000 | $46,000 | $292,000 |
| Debt-To-Income Ratio | 51 | $5,747,000 | $112,000 | $392,000 | $40,000 | $180,000 |
| Collateral | 47 | $6,411,000 | $136,000 | $387,000 | $53,000 | $140,000 |
| Other | 40 | $4,161,000 | $104,000 | $220,000 | $74,000 | $1,464,000 |
| Credit Application Incomplete | 8 | $781,000 | $97,000 | $180,000 | $38,000 | $113,000 |
| Employment History | 7 | $950,000 | $135,000 | $219,000 | $47,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $678,000 | $96,000 | $193,000 | $15,000 | $52,000 |
| Unverifiable Information | 4 | $392,000 | $98,000 | $131,000 | $39,000 | $62,000 |
| Mortgage Insurance Denied | 3 | $381,000 | $127,000 | $149,000 | $56,000 | $90,000 |
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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