Carolina Municipio, PR Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 2,558 mortgage applications in Carolina Municipio, PR totaling $352.0 million, up 2% from 2020. The average application was for $137,000, and applicants reported an average income of $74,000. 53% of applications resulted in an originated loan and 13% were denied. The most active lender was Banco Popular, with 612 applications, followed by The Moneyhouse Inc. 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 2003 |
| Total Number of Mortgage Applications | 2,558 |
| Total Mortgage Loan Application Amount | $351,950,000 |
| Average Mortgage Loan Application Amount | $137,000 |
| Highest Mortgage Loan Application Amount | $1,045,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $2,536,000 |
| 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 |
* | $ 41,627,000,000 | 612 | $ 83,750,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 341 | $ 44,215,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 12,597,360,000 | 307 | $ 43,305,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 9,253,736,000 | 255 | $ 37,305,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ -1,000 | 161 | $ 24,215,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 99 | $ 13,915,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 88 | $ 11,500,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 78 | $ 11,490,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 59 | $ 7,835,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ -1,000 | 53 | $ 6,725,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 52 | $ 7,100,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ -1,000 | 46 | $ 5,360,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ -1,000 | 43 | $ 5,405,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 43 | $ 7,145,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 41 | $ 6,685,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ -1,000 | 39 | $ 5,835,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ -1,000 | 37 | $ 4,485,000 |
| Coop. De A/C La Puertorrique+¦A AVE. ANA G. MÉNDEZ, 9729 PR-176 KM 1.1 SAN JUAN, PR 00921 |
* | $ -1,000 | 35 | $ 4,345,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ -1,000 | 32 | $ 4,000,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ -1,000 | 18 | $ 1,920,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 17 | $ 3,265,000 |
| Coopaca Mortgage PO BOX 1056 ARECIBO, PR 00613 |
* | $ -1,000 | 17 | $ 1,585,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 422,363,000 | 13 | $ 1,595,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ -1,000 | 8 | $ 1,040,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ -1,000 | 8 | $ 1,000,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ -1,000 | 7 | $ 755,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ -1,000 | 7 | $ 1,035,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ -1,000 | 7 | $ 1,765,000 |
| Cooperativa De A\C Roosvelt R 88PM+5QQ, FAJARDO FAJARDO, PR 00738 |
* | $ -1,000 | 5 | $ 345,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,921,403,000 | 4 | $ 460,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 400,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 3 | $ 345,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 3 | $ 295,000 |
| Cooperativa De Ac Las Piedras APARTADO 414 LAS PIEDRAS, PR 00771 |
* | $ -1,000 | 3 | $ 295,000 |
| Caguas Coop AVE JOSE GAUTIER BENITEZ, CARR 1 KM 37.5 CAGUAS, PR 00726 |
* | $ -1,000 | 2 | $ 260,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 260,000 |
| Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A PO BOX 1865 ARECIBO, PR 00613 |
* | $ -1,000 | 2 | $ 200,000 |
| Cooperativa Ahorro Y Credito Aguadilla APARTADO 541 AGUADILLA, PR 00605 |
* | $ -1,000 | 1 | $ 95,000 |
| Cooperativa De A/C Camuy AVE. BALTAZAR JIMÉNEZ MÉNDEZ #300 CAMUY, PR 00627 |
* | $ -1,000 | 1 | $ 35,000 |
| San Rafael Coop CALLE RAFAEL RODR+¡GUEZ, CANAL 1 URB. AVI QUEBRADILLAS, PR 00678 |
* | $ -1,000 | 1 | $ 95,000 |
| Cooperativa De Ac Jesus Obrero PMB 159 HC 01 BOX 29030 GUAYNABO, PR 00969 |
* | $ -1,000 | 1 | $ 55,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ -1,000 | 1 | $ 125,000 |
| Cooperativa La Sagrada Familia CALLE BOU 38 COROZAL, PR 00783 |
* | $ -1,000 | 1 | $ 65,000 |
| Cooperativa De Ac Santa Isabel P.O. BOX 812 SANTA ISABEL, PR 00757 |
* | $ -1,000 | 1 | $ 45,000 |
The tables below break down 2021 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 2021
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 | 1,639 | $223,125,000 | $136,000 | $845,000 | $70,000 | $2,509,000 |
| Refinancing | 488 | $68,810,000 | $141,000 | $675,000 | $78,000 | $1,043,000 |
| Cash-out Refinancing | 283 | $41,545,000 | $146,000 | $1,045,000 | $85,000 | $2,536,000 |
| Not Applicable | 122 | $15,770,000 | $129,000 | $355,000 | $0 | $0 |
| Other Purpose | 18 | $1,860,000 | $103,000 | $255,000 | $60,000 | $269,000 |
| Home Improvement | 8 | $840,000 | $105,000 | $255,000 | $55,000 | $136,000 |
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 | 1,963 | $267,895,000 | $136,000 | $1,045,000 | $69,000 | $2,536,000 |
| Not applicable | 459 | $58,045,000 | $126,000 | $545,000 | $0 | $0 |
| White | 84 | $17,660,000 | $210,000 | $845,000 | $167,000 | $2,509,000 |
| Black or African American | 26 | $4,300,000 | $165,000 | $315,000 | $123,000 | $651,000 |
| Not Provided | 21 | $3,225,000 | $153,000 | $405,000 | $75,000 | $265,000 |
| Asian | 5 | $825,000 | $165,000 | $285,000 | $99,000 | $200,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 1,217 | $154,275,000 | $126,000 | $665,000 | $43,000 | $266,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,174 | $171,550,000 | $146,000 | $1,045,000 | $99,000 | $2,536,000 |
| VA-guaranteed (Veterans Administration) | 144 | $23,000,000 | $159,000 | $505,000 | $67,000 | $371,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 23 | $3,125,000 | $135,000 | $255,000 | $44,000 | $78,000 |
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 | 1,362 | $189,850,000 | $139,000 | $845,000 | $73,000 | $2,536,000 |
| Loan Purchased By The Institution | 460 | $58,040,000 | $126,000 | $545,000 | $0 | $0 |
| Application Denied By Financial Institution | 343 | $46,485,000 | $135,000 | $545,000 | $67,000 | $666,000 |
| Application Withdrawn By Applicant | 232 | $36,150,000 | $155,000 | $1,045,000 | $93,000 | $1,088,000 |
| File Closed For Incompleteness | 104 | $14,350,000 | $137,000 | $485,000 | $73,000 | $480,000 |
| Application Approved But Not Accepted | 56 | $6,960,000 | $124,000 | $435,000 | $63,000 | $232,000 |
| Preapproval Denied by Financial Institution | 1 | $115,000 | $115,000 | $115,000 | $23,000 | $23,000 |
| 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 | 2,214 | $305,350,000 | $137,000 | $1,045,000 | $75,000 | $2,536,000 |
| Collateral | 160 | $22,220,000 | $138,000 | $475,000 | $65,000 | $439,000 |
| Debt-To-Income Ratio | 81 | $10,565,000 | $130,000 | $545,000 | $50,000 | $237,000 |
| Credit History | 40 | $5,400,000 | $135,000 | $425,000 | $67,000 | $499,000 |
| Other | 23 | $2,925,000 | $127,000 | $245,000 | $77,000 | $245,000 |
| Employment History | 12 | $1,530,000 | $127,000 | $295,000 | $64,000 | $351,000 |
| Unverifiable Information | 10 | $1,500,000 | $150,000 | $305,000 | $90,000 | $371,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,225,000 | $136,000 | $215,000 | $62,000 | $137,000 |
| Credit Application Incomplete | 6 | $760,000 | $126,000 | $165,000 | $255,000 | $666,000 |
| Mortgage Insurance Denied | 3 | $475,000 | $158,000 | $215,000 | $142,000 | $151,000 |
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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