Guaynabo Municipio, PR Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 1,921 mortgage applications in Guaynabo Municipio, PR totaling $320.6 million, down 9% from 2015. The average application was for $166,000, and applicants reported an average income of $78,000. 54% of applications resulted in an originated loan and 22% were denied. The most active lender was Banco Popular, with 738 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 2003 |
| Total Number of Mortgage Applications | 1,921 |
| Total Mortgage Loan Application Amount | $320,588,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $12,153,000 |
| Average Applicant Income | $78,000 |
| Highest Applicant Income | $1,237,000 |
| 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 |
* | $ 27,750,000,000 | 738 | $ 127,951,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 7,055,071,000 | 293 | $ 29,845,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 12,556,537,000 | 214 | $ 44,987,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 4,617,669,000 | 154 | $ 26,941,000 |
| Banco Santander Puerto Rico P O BOX 362589, SAN JUAN, PR 00936 |
* | $ 5,344,040,000 | 77 | $ 13,231,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 62 | $ 9,716,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 52 | $ 10,988,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ 10,000,000 | 51 | $ 10,083,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ 10,000,000 | 44 | $ 7,169,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ 10,000,000 | 40 | $ 7,282,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 19,460,442,000 | 29 | $ 5,651,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ 789,772,000 | 27 | $ 4,774,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ 10,000,000 | 17 | $ 3,643,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ 10,000,000 | 17 | $ 3,281,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ 10,000,000 | 14 | $ 2,113,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ 10,000,000 | 13 | $ 1,698,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ 0 | 13 | $ 1,955,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ 279,615,000 | 11 | $ 1,553,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ 10,000,000 | 7 | $ 1,583,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ 10,000,000 | 7 | $ 940,000 |
| Aeela Mortgage PO BOX 71502 SAN JUAN, PR 00936 |
* | $ 1,000,000,000 | 6 | $ 779,000 |
| Vegacoop APARTADO 1078 VEGA ALTA, PR 00692 |
* | $ 262,934,000 | 5 | $ 428,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ 525,000 | 5 | $ 939,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ 10,000,000 | 5 | $ 931,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 316,424,000 | 4 | $ 369,000 |
| Santander Financial Services 207 AVE PONCE DE LEON SAN JUAN, PR 00926 |
* | $ 8,082,156,000 | 3 | $ 244,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ 155,431,000 | 3 | $ 417,000 |
| Cooperativa La Sagrada Familia CALLE BOU 38 COROZAL, PR 00783 |
* | $ 40,000,000 | 2 | $ 185,000 |
| Cooperativa A/C Cabo Rojo PR 100 KM. 7.0 BO.MIRADERO CABO ROJO, PR 00623 |
* | $ 10,000,000 | 2 | $ 222,000 |
| First Security Mortgage, Inc. 97 DE DIEGO AVE. SAN FRANCISCO SAN JUAN, PR 00929 |
* | $ 10,000,000 | 1 | $ 205,000 |
| Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A PO BOX 1865 ARECIBO, PR 00613 |
* | $ 202,737,729,000 | 1 | $ 74,000 |
| Cooperativa De A/C Isabela 21 CALLE BARBOSA SUITE 1 ISABELA, PR 00662 |
* | $ 10,000,000 | 1 | $ 64,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 1 | $ 151,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 11,567,246,000 | 1 | $ 184,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 1 | $ 12,000 |
The tables below break down 2016 mortgage applications in Guaynabo 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 Guaynabo Municipio, PR in 2016
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 | 850 | $178,429,000 | $209,000 | $12,153,000 | $80,000 | $691,000 |
| Refinancing | 649 | $131,262,000 | $202,000 | $1,440,000 | $93,000 | $1,237,000 |
| Home Improvement | 422 | $10,897,000 | $25,000 | $430,000 | $50,000 | $413,000 |
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 | 1,684 | $267,350,000 | $158,000 | $1,440,000 | $83,000 | $1,237,000 |
| Not applicable | 198 | $47,739,000 | $241,000 | $12,153,000 | $33,000 | $532,000 |
| White | 23 | $3,037,000 | $132,000 | $379,000 | $81,000 | $294,000 |
| Not Provided | 16 | $2,462,000 | $153,000 | $1,020,000 | $85,000 | $539,000 |
| Native Hawaiin 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 |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,218 | $184,712,000 | $151,000 | $12,153,000 | $91,000 | $1,237,000 |
| FHA-insured (Federal Housing Administration) | 613 | $117,169,000 | $191,000 | $528,000 | $56,000 | $370,000 |
| VA-guaranteed (Veterans Administration) | 83 | $17,883,000 | $215,000 | $431,000 | $60,000 | $208,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $824,000 | $117,000 | $148,000 | $26,000 | $60,000 |
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 | 1,033 | $176,737,000 | $171,000 | $1,440,000 | $88,000 | $928,000 |
| Application Denied By Financial Institution | 417 | $49,087,000 | $117,000 | $957,000 | $60,000 | $657,000 |
| Loan Purchased By The Institution | 199 | $47,844,000 | $240,000 | $12,153,000 | $32,000 | $532,000 |
| Application Withdrawn By Applicant | 154 | $28,967,000 | $188,000 | $1,020,000 | $108,000 | $1,237,000 |
| Application Approved But Not Accepted | 63 | $7,063,000 | $112,000 | $540,000 | $83,000 | $691,000 |
| File Closed For Incompleteness | 55 | $10,890,000 | $198,000 | $568,000 | $115,000 | $580,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 35 | $6,533,000 | $186,000 | $417,000 | $60,000 | $154,000 |
| Collateral | 32 | $5,999,000 | $187,000 | $406,000 | $77,000 | $300,000 |
| Credit History | 27 | $5,088,000 | $188,000 | $547,000 | $80,000 | $308,000 |
| Other | 23 | $4,383,000 | $190,000 | $565,000 | $81,000 | $259,000 |
| Employment History | 5 | $725,000 | $145,000 | $180,000 | $51,000 | $79,000 |
| Credit Application Incomplete | 4 | $913,000 | $228,000 | $468,000 | $26,000 | $70,000 |
| Unverifiable Information | 2 | $414,000 | $207,000 | $250,000 | $35,000 | $37,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $277,000 | $138,000 | $194,000 | $70,000 | $121,000 |
| 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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