Isabela Municipio, PR Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 279 mortgage applications in Isabela Municipio, PR totaling $46.1 million, down 27% from 2022. The average application was for $165,000, and applicants reported an average income of $94,000. 58% of applications resulted in an originated loan and 17% were denied. The most active lender was Banco Popular, with 65 applications, followed by Firstbank and Cooperativa De A/C Isabela.
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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 | 279 |
| Total Mortgage Loan Application Amount | $46,085,000 |
| Average Mortgage Loan Application Amount | $165,000 |
| Highest Mortgage Loan Application Amount | $695,000 |
| Average Applicant Income | $94,000 |
| Highest Applicant Income | $825,000 |
| 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 |
* | $ 56,050,000,000 | 65 | $ 10,485,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 18,626,645,000 | 62 | $ 11,510,000 |
| Cooperativa De A/C Isabela 21 CALLE BARBOSA SUITE 1 ISABELA, PR 00662 |
* | $ -1,000 | 27 | $ 2,645,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 9,709,667,000 | 25 | $ 3,775,000 |
| Cooperativa De A/C Camuy AVE. BALTAZAR JIMÉNEZ MÉNDEZ #300 CAMUY, PR 00627 |
* | $ -1,000 | 13 | $ 2,265,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ -1,000 | 11 | $ 1,455,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 8 | $ 1,630,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ -1,000 | 8 | $ 1,510,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 6 | $ 1,900,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 6 | $ 560,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 5 | $ 485,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ -1,000 | 5 | $ 735,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 5 | $ 695,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 4 | $ 1,190,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 4 | $ 770,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 4 | $ 790,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 654,595,000 | 3 | $ 235,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 2 | $ 350,000 |
| Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A PO BOX 1865 ARECIBO, PR 00613 |
* | $ -1,000 | 2 | $ 460,000 |
| San Rafael Coop CALLE RAFAEL RODR+¡GUEZ, CANAL 1 URB. AVI QUEBRADILLAS, PR 00678 |
* | $ -1,000 | 2 | $ 380,000 |
| Coop. De A/C La Puertorrique+¦A AVE. ANA G. MÉNDEZ, 9729 PR-176 KM 1.1 SAN JUAN, PR 00921 |
* | $ -1,000 | 2 | $ 200,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 295,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 245,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ -1,000 | 1 | $ 195,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 265,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ -1,000 | 1 | $ 65,000 |
| Cooperativa De Ahorro Y Credito Del Bo. Quebrada De Camuy HC 02 BOX 7873 CAMUY, PR 00627 |
* | $ -1,000 | 1 | $ 45,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 295,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ -1,000 | 1 | $ 115,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,751,484,000 | 1 | $ 505,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 1 | $ 35,000 |
The tables below break down 2023 mortgage applications in Isabela 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 Isabela Municipio, PR in 2023
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 | 208 | $36,360,000 | $174,000 | $695,000 | $100,000 | $692,000 |
| Cash-out Refinancing | 43 | $5,865,000 | $136,000 | $505,000 | $61,000 | $310,000 |
| Refinancing | 15 | $2,345,000 | $156,000 | $365,000 | $74,000 | $209,000 |
| Home Improvement | 5 | $945,000 | $189,000 | $515,000 | $237,000 | $825,000 |
| Not Applicable | 4 | $240,000 | $60,000 | $85,000 | $0 | $0 |
| Other Purpose | 4 | $330,000 | $82,000 | $135,000 | $34,000 | $53,000 |
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 | 218 | $34,060,000 | $156,000 | $625,000 | $85,000 | $692,000 |
| White | 35 | $7,545,000 | $215,000 | $695,000 | $128,000 | $377,000 |
| Not applicable | 18 | $2,720,000 | $151,000 | $295,000 | $0 | $0 |
| Not Provided | 3 | $885,000 | $295,000 | $515,000 | $315,000 | $825,000 |
| Asian | 2 | $480,000 | $240,000 | $375,000 | $213,000 | $261,000 |
| Black or African American | 2 | $290,000 | $145,000 | $235,000 | $99,000 | $122,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $63,000 | $63,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 162 | $26,970,000 | $166,000 | $695,000 | $113,000 | $825,000 |
| FHA-insured (Federal Housing Administration) | 54 | $8,400,000 | $155,000 | $485,000 | $59,000 | $191,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 33 | $4,675,000 | $141,000 | $265,000 | $54,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 30 | $6,040,000 | $201,000 | $365,000 | $91,000 | $135,000 |
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 | 161 | $26,395,000 | $163,000 | $565,000 | $89,000 | $611,000 |
| Application Denied By Financial Institution | 48 | $8,640,000 | $180,000 | $625,000 | $105,000 | $825,000 |
| Application Withdrawn By Applicant | 41 | $6,585,000 | $160,000 | $695,000 | $107,000 | $692,000 |
| Loan Purchased By The Institution | 18 | $2,720,000 | $151,000 | $295,000 | $0 | $0 |
| Application Approved But Not Accepted | 9 | $1,535,000 | $170,000 | $505,000 | $70,000 | $148,000 |
| File Closed For Incompleteness | 2 | $210,000 | $105,000 | $115,000 | $92,000 | $131,000 |
| 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 | 230 | $37,400,000 | $162,000 | $695,000 | $92,000 | $692,000 |
| Collateral | 22 | $4,290,000 | $195,000 | $625,000 | $111,000 | $550,000 |
| Debt-To-Income Ratio | 9 | $1,265,000 | $140,000 | $205,000 | $46,000 | $106,000 |
| Credit History | 7 | $1,345,000 | $192,000 | $395,000 | $116,000 | $377,000 |
| Other | 6 | $1,140,000 | $190,000 | $515,000 | $187,000 | $825,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $250,000 | $125,000 | $145,000 | $62,000 | $104,000 |
| Mortgage Insurance Denied | 1 | $165,000 | $165,000 | $165,000 | $73,000 | $73,000 |
| Unverifiable Information | 1 | $115,000 | $115,000 | $115,000 | $40,000 | $40,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $65,000 | $65,000 |
| Credit Application Incomplete | 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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