Lajas Municipio, PR Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 442 mortgage applications in Lajas Municipio, PR totaling $34.4 million, down 10% from 2011. The average application was for $77,000, and applicants reported an average income of $44,000. 49% of applications resulted in an originated loan and 26% were denied. The most active lender was Banco Popular, with 259 applications, followed by Scotiabank De Puerto Rico and Oriental Bank.
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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 | 442 |
| Total Mortgage Loan Application Amount | $34,447,000 |
| Average Mortgage Loan Application Amount | $77,000 |
| Highest Mortgage Loan Application Amount | $362,000 |
| Average Applicant Income | $44,000 |
| Highest Applicant Income | $605,000 |
| 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 |
* | $ 27,941,000,000 | 259 | $ 16,869,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 6,740,450,000 | 32 | $ 3,672,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 6,642,161,000 | 23 | $ 2,520,000 |
| Doral Mortgage LLC DORAL FINANCIAL PLAZA, 1451 ROOSEVELT AV SAN JUAN, PR 00921 |
* | $ 11,855,073,000 | 21 | $ 1,805,000 |
| Banco Santander Puerto Rico P O BOX 362589, SAN JUAN, PR 00936 |
* | $ 6,587,459,000 | 19 | $ 912,000 |
| Doral Bank 268 PONCE DE LEON SUITE 910 SAN JUAN, PR 00918 |
* | $ 7,241,449,000 | 15 | $ 1,525,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 13,111,660,000 | 12 | $ 1,253,000 |
| Express Solution Mortgage Corp 1606 PONCE DE LEON AVE. SUITE L-06 SAN JUAN, PR 00909 |
* | $ 15,000,000 | 12 | $ 1,387,000 |
| Santander Financial Services P.O. BOX 71504 SAN JUAN, PR 00936 |
* | $ 8,082,156,000 | 8 | $ 410,000 |
| Banco Bilbao Vizcaya Argentari 254 MU?OZ RIVERA AVE., SAN JUAN, PR 00936 |
* | $ 5,016,217,000 | 7 | $ 759,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ 0 | 5 | $ 512,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ 10,000,000 | 4 | $ 549,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 4 | $ 265,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ 10,000,000 | 3 | $ 415,000 |
| Cooperativa A/C Cabo Rojo PR 100 KM. 7.0 BO.MIRADERO CABO ROJO, PR 00623 |
* | $ 10,000,000 | 2 | $ 128,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ 789,772,000 | 2 | $ 224,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ 10,000,000 | 2 | $ 99,000 |
| Firstmortgage PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 9,582,507,000 | 2 | $ 284,000 |
| Rbs Mortgage Corporation 894-D MUNOZ RIVERA AVE SUITE 106 SAN JUAN, PR 00927 |
* | $ 10,000,000 | 1 | $ 133,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 107,000 |
| Top Mortgage Bankers PONCE DE LEON AVE. 1913 SANTURCE, PR 00607 |
* | $ 100,000,000 | 1 | $ 71,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ 10,000,000 | 1 | $ 83,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ 10,000,000 | 1 | $ 67,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ 10,000,000 | 1 | $ 75,000 |
| Cooperativa Ahorro Y Credito Aguadilla APARTADO 541 AGUADILLA, PR 00605 |
* | $ 10,000,000 | 1 | $ 65,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ 10,000,000 | 1 | $ 90,000 |
| Aeela Mortgage PO BOX 71502 SAN JUAN, PR 00936 |
* | $ 1,000,000,000 | 1 | $ 93,000 |
| San Rafael Coop CALLE RAFAEL RODR+¡GUEZ, CANAL 1 URB. AVI QUEBRADILLAS, PR 00678 |
* | $ 137,000,000 | 1 | $ 75,000 |
The tables below break down 2012 mortgage applications in Lajas 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 Lajas Municipio, PR in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 154 | $16,526,000 | $107,000 | $362,000 | $54,000 | $605,000 |
| Home Purchase | 146 | $15,821,000 | $108,000 | $289,000 | $52,000 | $359,000 |
| Home Improvement | 142 | $2,100,000 | $14,000 | $199,000 | $24,000 | $122,000 |
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 | 405 | $30,601,000 | $75,000 | $362,000 | $45,000 | $605,000 |
| Not applicable | 33 | $3,435,000 | $104,000 | $205,000 | $25,000 | $149,000 |
| White | 3 | $306,000 | $102,000 | $170,000 | $115,000 | $166,000 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $23,000 | $23,000 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 321 | $22,085,000 | $68,000 | $300,000 | $50,000 | $605,000 |
| FHA-insured (Federal Housing Administration) | 57 | $5,081,000 | $89,000 | $315,000 | $22,000 | $68,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $5,284,000 | $103,000 | $179,000 | $30,000 | $63,000 |
| VA-guaranteed (Veterans Administration) | 13 | $1,997,000 | $153,000 | $362,000 | $38,000 | $147,000 |
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 | 217 | $17,002,000 | $78,000 | $262,000 | $47,000 | $359,000 |
| Application Denied By Financial Institution | 116 | $6,667,000 | $57,000 | $362,000 | $36,000 | $605,000 |
| Application Withdrawn By Applicant | 41 | $4,431,000 | $108,000 | $289,000 | $63,000 | $359,000 |
| Loan Purchased By The Institution | 40 | $4,049,000 | $101,000 | $205,000 | $27,000 | $170,000 |
| File Closed For Incompleteness | 15 | $1,740,000 | $116,000 | $315,000 | $64,000 | $150,000 |
| Application Approved But Not Accepted | 13 | $558,000 | $42,000 | $96,000 | $29,000 | $69,000 |
| 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 | 7 | $462,000 | $66,000 | $123,000 | $39,000 | $89,000 |
| Debt-To-Income Ratio | 6 | $620,000 | $103,000 | $153,000 | $37,000 | $60,000 |
| Collateral | 4 | $375,000 | $93,000 | $143,000 | $25,000 | $58,000 |
| Credit Application Incomplete | 2 | $160,000 | $80,000 | $150,000 | $51,000 | $51,000 |
| Other | 1 | $92,000 | $92,000 | $92,000 | $38,000 | $38,000 |
| Unverifiable Information | 1 | $39,000 | $39,000 | $39,000 | $13,000 | $13,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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