Ciales Municipio, PR Mortgage Lenders & HMDA Data, 2018
In 2018, lenders reported 52 mortgage applications in Ciales Municipio, PR totaling $5.1 million, down 57% from 2017. The average application was for $98,000, and applicants reported an average income of $39,000. 42% of applications resulted in an originated loan and 25% were denied. The most active lender was Banco Popular, with 13 applications, followed by Scotiabank De Puerto Rico and Vig Mortgage.
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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 | 52 |
| Total Mortgage Loan Application Amount | $5,100,000 |
| Average Mortgage Loan Application Amount | $98,000 |
| Highest Mortgage Loan Application Amount | $185,000 |
| Average Applicant Income | $39,000 |
| Highest Applicant Income | $119,000 |
| 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 |
* | $ 34,726,000,000 | 13 | $ 1,275,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 4,131,799,000 | 8 | $ 870,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ -1,000 | 8 | $ 890,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 12,246,248,000 | 7 | $ 665,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ -1,000 | 3 | $ 235,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ -1,000 | 2 | $ 210,000 |
| Cooperativa De Ac Manati PO BOX 30562 MANATI, PR 00674 |
* | $ -1,000 | 2 | $ 80,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ -1,000 | 2 | $ 250,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 2 | $ 200,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 22,858,876,000 | 1 | $ 65,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 6,145,411,000 | 1 | $ 85,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 1 | $ 105,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1 | $ 75,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2018 mortgage applications in Ciales 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 Ciales Municipio, PR in 2018
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 | 45 | $4,565,000 | $101,000 | $185,000 | $41,000 | $119,000 |
| Cash-out Refinancing | 5 | $355,000 | $71,000 | $95,000 | $31,000 | $49,000 |
| Refinancing | 2 | $180,000 | $90,000 | $115,000 | $24,000 | $25,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 39 | $3,915,000 | $100,000 | $185,000 | $36,000 | $119,000 |
| Not applicable | 9 | $885,000 | $98,000 | $125,000 | $0 | $0 |
| White | 3 | $215,000 | $71,000 | $85,000 | $83,000 | $110,000 |
| Not Provided | 1 | $85,000 | $85,000 | $85,000 | $36,000 | $36,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 24 | $2,360,000 | $98,000 | $135,000 | $32,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 17 | $1,855,000 | $109,000 | $185,000 | $33,000 | $67,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 7 | $395,000 | $56,000 | $65,000 | $47,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 4 | $490,000 | $122,000 | $155,000 | $94,000 | $119,000 |
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 | 22 | $2,230,000 | $101,000 | $145,000 | $40,000 | $119,000 |
| Application Denied By Financial Institution | 13 | $1,175,000 | $90,000 | $185,000 | $37,000 | $110,000 |
| Loan Purchased By The Institution | 9 | $885,000 | $98,000 | $125,000 | $0 | $0 |
| Application Withdrawn By Applicant | 5 | $485,000 | $97,000 | $135,000 | $31,000 | $36,000 |
| File Closed For Incompleteness | 2 | $240,000 | $120,000 | $155,000 | $72,000 | $117,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $19,000 | $19,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 39 | $3,925,000 | $100,000 | $155,000 | $40,000 | $119,000 |
| Collateral | 6 | $400,000 | $66,000 | $95,000 | $40,000 | $110,000 |
| Debt-To-Income Ratio | 5 | $535,000 | $107,000 | $185,000 | $38,000 | $67,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $33,000 | $33,000 |
| Credit History | 1 | $115,000 | $115,000 | $115,000 | $25,000 | $25,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 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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