Guayama, PR Metro Area Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 501 mortgage applications in Guayama, PR metro area totaling $44.6 million, up 22% from 2018. The average application was for $89,111, and applicants reported an average income of $48,000. 44% of applications resulted in an originated loan and 19% were denied. The most active lender was Banco Popular, with 174 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 |
| Total Number of Mortgage Applications | 501 |
| Total Mortgage Loan Application Amount | $44,645,000 |
| Average Mortgage Loan Application Amount | $89,111 |
| Highest Mortgage Loan Application Amount | $3,945,000 |
| Average Applicant Income | $48,000 |
| Highest Applicant Income | $871,000 |
| 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 |
* | $ 37,919,000,000 | 174 | $ 18,430,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 12,232,012,000 | 50 | $ 3,900,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 4,043,091,000 | 36 | $ 2,720,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 6,529,697,000 | 32 | $ 2,430,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ -1,000 | 31 | $ 2,385,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 30 | $ 2,660,000 |
| Cooperativa De Ac Maunabo BOX 127 MAUNABO, PR 00707 |
* | $ -1,000 | 24 | $ 1,630,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 20 | $ 1,600,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ -1,000 | 17 | $ 1,655,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 14 | $ 1,110,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 11 | $ 1,135,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ -1,000 | 11 | $ 825,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 9 | $ 555,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,484,751,000 | 7 | $ 685,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 5 | $ 365,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ -1,000 | 5 | $ 455,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ -1,000 | 4 | $ 240,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ -1,000 | 4 | $ 300,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ -1,000 | 3 | $ 185,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 2 | $ 170,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 2 | $ 120,000 |
| Caguas Coop AVE JOSE GAUTIER BENITEZ, CARR 1 KM 37.5 CAGUAS, PR 00726 |
* | $ -1,000 | 2 | $ 200,000 |
| Banco Santander Puerto Rico P O BOX 362589, SAN JUAN, PR 00936 |
* | $ 5,177,922,000 | 1 | $ 85,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ -1,000 | 1 | $ 95,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ -1,000 | 1 | $ 85,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,483,865,000 | 1 | $ 85,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 375,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 17,230,779,000 | 1 | $ 5,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ -1,000 | 1 | $ 105,000 |
| Cooperativa De Ac Santa Isabel P.O. BOX 812 SANTA ISABEL, PR 00757 |
* | $ -1,000 | 1 | $ 55,000 |
The tables below break down 2019 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 2019
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 | 382 | $35,380,000 | $92,000 | $3,945,000 | $46,000 | $871,000 |
| Cash-out Refinancing | 59 | $4,825,000 | $81,000 | $385,000 | $58,000 | $294,000 |
| Refinancing | 34 | $2,860,000 | $84,000 | $205,000 | $48,000 | $90,000 |
| Not Applicable | 14 | $860,000 | $61,000 | $105,000 | $0 | $0 |
| Other Purpose | 8 | $500,000 | $62,000 | $125,000 | $49,000 | $105,000 |
| Home Improvement | 4 | $220,000 | $55,000 | $65,000 | $20,000 | $26,000 |
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 | 374 | $30,970,000 | $82,000 | $385,000 | $46,000 | $871,000 |
| Not applicable | 113 | $12,505,000 | $110,000 | $3,945,000 | $23,000 | $27,000 |
| White | 8 | $650,000 | $81,000 | $155,000 | $82,000 | $242,000 |
| Not Provided | 3 | $275,000 | $91,000 | $115,000 | $106,000 | $178,000 |
| Black or African American | 2 | $190,000 | $95,000 | $105,000 | $51,000 | $61,000 |
| 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 |
|---|---|---|---|---|---|---|
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 170 | $13,620,000 | $80,000 | $135,000 | $29,000 | $79,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 156 | $15,800,000 | $101,000 | $3,945,000 | $73,000 | $871,000 |
| FHA-insured (Federal Housing Administration) | 153 | $12,705,000 | $83,000 | $275,000 | $37,000 | $144,000 |
| VA-guaranteed (Veterans Administration) | 22 | $2,520,000 | $114,000 | $245,000 | $52,000 | $105,000 |
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 | 221 | $17,515,000 | $79,000 | $195,000 | $47,000 | $871,000 |
| Loan Purchased By The Institution | 112 | $8,560,000 | $76,000 | $175,000 | $23,000 | $27,000 |
| Application Denied By Financial Institution | 94 | $8,270,000 | $87,000 | $375,000 | $39,000 | $374,000 |
| Application Withdrawn By Applicant | 47 | $8,225,000 | $175,000 | $3,945,000 | $58,000 | $294,000 |
| File Closed For Incompleteness | 17 | $1,245,000 | $73,000 | $145,000 | $69,000 | $242,000 |
| Application Approved But Not Accepted | 10 | $830,000 | $83,000 | $135,000 | $54,000 | $105,000 |
| 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 | 407 | $36,375,000 | $89,000 | $3,945,000 | $50,000 | $871,000 |
| Collateral | 44 | $3,960,000 | $90,000 | $255,000 | $37,000 | $118,000 |
| Debt-To-Income Ratio | 12 | $1,270,000 | $105,000 | $275,000 | $38,000 | $114,000 |
| Other | 12 | $1,240,000 | $103,000 | $375,000 | $64,000 | $374,000 |
| Credit History | 11 | $745,000 | $67,000 | $105,000 | $37,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $545,000 | $77,000 | $105,000 | $28,000 | $41,000 |
| Unverifiable Information | 5 | $355,000 | $71,000 | $95,000 | $38,000 | $100,000 |
| Employment History | 2 | $100,000 | $50,000 | $65,000 | $13,000 | $19,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $42,000 | $42,000 |
| 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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