Guayama, PR Metro Area Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 850 mortgage applications in Guayama, PR metro area totaling $41.6 million, down 28% from 2016. The average application was for $48,976, and applicants reported an average income of $32,000. 43% of applications resulted in an originated loan and 39% were denied. The most active lender was Banco Popular, with 319 applications, followed by Oriental Bank 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 |
| Total Number of Mortgage Applications | 850 |
| Total Mortgage Loan Application Amount | $41,630,000 |
| Average Mortgage Loan Application Amount | $48,976 |
| Highest Mortgage Loan Application Amount | $257,000 |
| Average Applicant Income | $32,000 |
| Highest Applicant Income | $445,000 |
| 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 |
* | $ 29,700,000,000 | 319 | $ 11,593,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 6,457,746,000 | 258 | $ 7,700,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 11,906,979,000 | 52 | $ 4,222,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 4,231,596,000 | 36 | $ 3,020,000 |
| Cooperativa De Ac Maunabo BOX 127 MAUNABO, PR 00707 |
* | $ -1,000 | 32 | $ 2,352,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ -1,000 | 28 | $ 2,601,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 25 | $ 2,226,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 19 | $ 1,520,000 |
| Banco Santander Puerto Rico P O BOX 362589, SAN JUAN, PR 00936 |
* | $ 5,339,217,000 | 9 | $ 449,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ -1,000 | 9 | $ 1,055,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 8 | $ 651,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ -1,000 | 7 | $ 583,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ -1,000 | 6 | $ 505,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 21,301,361,000 | 6 | $ 790,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ -1,000 | 5 | $ 423,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 5 | $ 341,000 |
| First Security Mortgage, Inc. 97 DE DIEGO AVE. SAN FRANCISCO SAN JUAN, PR 00929 |
* | $ -1,000 | 4 | $ 268,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,629,405,000 | 3 | $ 190,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ -1,000 | 3 | $ 258,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ -1,000 | 3 | $ 298,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 3 | $ 213,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ -1,000 | 2 | $ 138,000 |
| Banco Popular North America 85 BROAD STREET NEW YORK, NY 10004 |
* | $ 8,629,295,000 | 2 | $ 24,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 9,512,407,000 | 1 | $ 7,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 1 | $ 16,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 1 | $ 5,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ -1,000 | 1 | $ 50,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ -1,000 | 1 | $ 52,000 |
| Cooperativa De Ac Jesus Obrero PMB 159 HC 01 BOX 29030 GUAYNABO, PR 00969 |
* | $ -1,000 | 1 | $ 80,000 |
The tables below break down 2017 mortgage applications in Guayama, 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 Guayama, PR in 2017
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 | 445 | $7,485,000 | $16,000 | $182,000 | $27,000 | $445,000 |
| Home Purchase | 278 | $22,924,000 | $82,000 | $245,000 | $34,000 | $405,000 |
| Refinancing | 127 | $11,221,000 | $88,000 | $257,000 | $43,000 | $284,000 |
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 | 784 | $37,355,000 | $47,000 | $257,000 | $33,000 | $445,000 |
| Not applicable | 43 | $3,536,000 | $82,000 | $181,000 | $4,000 | $35,000 |
| Not Provided | 14 | $377,000 | $26,000 | $97,000 | $31,000 | $60,000 |
| White | 7 | $351,000 | $50,000 | $109,000 | $47,000 | $179,000 |
| Black or African American | 2 | $11,000 | $5,000 | $8,000 | $11,000 | $13,000 |
| 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 |
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) | 533 | $14,373,000 | $26,000 | $257,000 | $33,000 | $445,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 144 | $12,018,000 | $83,000 | $187,000 | $26,000 | $71,000 |
| FHA-insured (Federal Housing Administration) | 139 | $11,354,000 | $81,000 | $228,000 | $28,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 34 | $3,885,000 | $114,000 | $245,000 | $50,000 | $179,000 |
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 | 368 | $19,810,000 | $53,000 | $245,000 | $35,000 | $445,000 |
| Application Denied By Financial Institution | 332 | $10,950,000 | $32,000 | $257,000 | $29,000 | $284,000 |
| Loan Purchased By The Institution | 44 | $3,600,000 | $81,000 | $181,000 | $5,000 | $42,000 |
| Application Withdrawn By Applicant | 38 | $3,267,000 | $85,000 | $185,000 | $38,000 | $137,000 |
| Application Approved But Not Accepted | 37 | $1,436,000 | $38,000 | $200,000 | $34,000 | $99,000 |
| File Closed For Incompleteness | 31 | $2,567,000 | $82,000 | $182,000 | $44,000 | $115,000 |
| 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 | 15 | $1,111,000 | $74,000 | $228,000 | $31,000 | $53,000 |
| Other | 11 | $777,000 | $70,000 | $110,000 | $50,000 | $115,000 |
| Debt-To-Income Ratio | 7 | $554,000 | $79,000 | $129,000 | $51,000 | $179,000 |
| Collateral | 5 | $569,000 | $113,000 | $220,000 | $81,000 | $116,000 |
| Employment History | 4 | $426,000 | $106,000 | $257,000 | $20,000 | $36,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $155,000 | $77,000 | $103,000 | $18,000 | $24,000 |
| Credit Application Incomplete | 1 | $54,000 | $54,000 | $54,000 | $15,000 | $15,000 |
| Unverifiable Information | 1 | $83,000 | $83,000 | $83,000 | $74,000 | $74,000 |
| 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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