Guayama, PR Metro Area Mortgage Lenders & HMDA Data, 2024
In 2024, lenders reported 421 mortgage applications in Guayama, PR metro area totaling $41.3 million, down 15% from 2023. The average application was for $97,992, and applicants reported an average income of $55,016. 48% of applications resulted in an originated loan and 19% were denied. The most active lender was Banco Popular, with 99 applications, followed by Oriental Bank and The Moneyhouse Inc..
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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 | 421 |
| Total Mortgage Loan Application Amount | $41,255,000 |
| Average Mortgage Loan Application Amount | $97,992 |
| Highest Mortgage Loan Application Amount | $465,000 |
| Average Applicant Income | $55,016 |
| Highest Applicant Income | $425,000 |
Top Mortgage Lenders in Guayama, PR Metro Area (2024)
Ranked by the number of mortgage applications each lender reported in Guayama, PR metro area in 2024.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Banco Popular San Juan, PR |
99 | $9,095,000 | $91,000 | $58,000 |
| 2 | Oriental Bank San Juan, PR |
66 | $7,130,000 | $108,000 | $58,000 |
| 3 | The Moneyhouse Inc. San Juan, PR |
60 | $4,870,000 | $81,000 | $46,000 |
| 4 | Firstbank San Juan, PR |
38 | $4,360,000 | $114,000 | $79,000 |
| 5 | Sun West Mortgage Company, Inc Cerritos, CA |
25 | $2,075,000 | $83,000 | $33,000 |
| 6 | Cooperativa De Ac Maunabo Maunabo, PR |
22 | $2,440,000 | $110,000 | $51,000 |
| 7 | Preferred Mortgage LLC San Juan, PR |
21 | $1,885,000 | $89,000 | $54,000 |
| 8 | Hr Mortgage Corp Caguas, PR |
15 | $1,745,000 | $116,000 | $44,000 |
| 9 | Actual Mortgage Bankers Bayamon, PR |
10 | $910,000 | $91,000 | $37,000 |
| 10 | Home Mortgage Bankers Carolina, PR |
8 | $600,000 | $75,000 | $35,000 |
The tables below break down 2024 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 2024
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 | 343 | $34,885,000 | $101,000 | $465,000 | $56,000 | $425,000 |
| Not Applicable | 26 | $1,080,000 | $41,000 | $95,000 | $0 | $0 |
| Cash-out Refinancing | 26 | $2,450,000 | $94,000 | $245,000 | $53,000 | $175,000 |
| Other Purpose | 12 | $1,480,000 | $123,000 | $205,000 | $72,000 | $165,000 |
| Refinancing | 10 | $930,000 | $93,000 | $155,000 | $47,000 | $119,000 |
| Home Improvement | 4 | $430,000 | $107,000 | $155,000 | $36,000 | $55,000 |
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 | 344 | $34,750,000 | $101,000 | $465,000 | $54,000 | $425,000 |
| Not applicable | 70 | $4,950,000 | $70,000 | $255,000 | $0 | $0 |
| White | 5 | $1,335,000 | $267,000 | $415,000 | $171,000 | $311,000 |
| Black or African American | 1 | $55,000 | $55,000 | $55,000 | $15,000 | $15,000 |
| Not Provided | 1 | $165,000 | $165,000 | $165,000 | $150,000 | $150,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 204 | $19,220,000 | $94,000 | $415,000 | $45,000 | $311,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 120 | $12,660,000 | $105,000 | $465,000 | $78,000 | $425,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $7,860,000 | $93,000 | $175,000 | $41,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,515,000 | $116,000 | $215,000 | $61,000 | $116,000 |
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 | 204 | $20,540,000 | $100,000 | $375,000 | $54,000 | $425,000 |
| Application Denied By Financial Institution | 78 | $8,340,000 | $106,000 | $465,000 | $58,000 | $311,000 |
| Loan Purchased By The Institution | 70 | $4,950,000 | $70,000 | $255,000 | $0 | $0 |
| Application Withdrawn By Applicant | 37 | $4,385,000 | $118,000 | $415,000 | $62,000 | $243,000 |
| File Closed For Incompleteness | 18 | $1,740,000 | $96,000 | $185,000 | $47,000 | $136,000 |
| Application Approved But Not Accepted | 14 | $1,300,000 | $92,000 | $205,000 | $57,000 | $213,000 |
| 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 | 343 | $32,915,000 | $95,000 | $415,000 | $55,000 | $425,000 |
| Collateral | 46 | $4,620,000 | $100,000 | $415,000 | $61,000 | $311,000 |
| Unverifiable Information | 7 | $565,000 | $80,000 | $115,000 | $40,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $800,000 | $133,000 | $465,000 | $51,000 | $165,000 |
| Other | 5 | $325,000 | $65,000 | $165,000 | $38,000 | $58,000 |
| Credit History | 5 | $395,000 | $79,000 | $95,000 | $45,000 | $93,000 |
| Debt-To-Income Ratio | 5 | $655,000 | $131,000 | $235,000 | $58,000 | $174,000 |
| Employment History | 3 | $865,000 | $288,000 | $405,000 | $144,000 | $222,000 |
| Credit Application Incomplete | 1 | $115,000 | $115,000 | $115,000 | $30,000 | $30,000 |
| 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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