Lajas Municipio, PR Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 106 mortgage applications in Lajas Municipio, PR totaling $13.9 million, down 36% from 2021. The average application was for $131,000, and applicants reported an average income of $81,000. 50% of applications resulted in an originated loan and 18% were denied. The most active lender was Banco Popular, with 33 applications, followed by The Moneyhouse Inc. 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 | 106 |
| Total Mortgage Loan Application Amount | $13,910,000 |
| Average Mortgage Loan Application Amount | $131,000 |
| Highest Mortgage Loan Application Amount | $645,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $634,000 |
| 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 |
* | $ 64,243,000,000 | 33 | $ 3,785,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 11 | $ 1,245,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 9,805,742,000 | 10 | $ 1,250,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 20,778,081,000 | 8 | $ 1,200,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ -1,000 | 7 | $ 715,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 5 | $ 405,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 4 | $ 420,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 4 | $ 540,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ -1,000 | 3 | $ 535,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 3 | $ 325,000 |
| San Rafael Coop CALLE RAFAEL RODR+¡GUEZ, CANAL 1 URB. AVI QUEBRADILLAS, PR 00678 |
* | $ -1,000 | 3 | $ 135,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 2 | $ 760,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,072,223,000 | 2 | $ 290,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ -1,000 | 2 | $ 330,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ -1,000 | 1 | $ 85,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 1 | $ 135,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 1 | $ 85,000 |
| Cooperativa De Ac Hatillo PO BOX 95 HATILLO, PR 00659 |
* | $ -1,000 | 1 | $ 155,000 |
| Cooperativa De Ac Santa Isabel P.O. BOX 812 SANTA ISABEL, PR 00757 |
* | $ -1,000 | 1 | $ 405,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 85,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ -1,000 | 1 | $ 125,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ -1,000 | 1 | $ 645,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 1 | $ 255,000 |
The tables below break down 2022 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 2022
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 | 78 | $9,980,000 | $127,000 | $645,000 | $82,000 | $634,000 |
| Cash-out Refinancing | 19 | $3,055,000 | $160,000 | $405,000 | $90,000 | $469,000 |
| Not Applicable | 4 | $320,000 | $80,000 | $105,000 | $0 | $0 |
| Refinancing | 3 | $315,000 | $105,000 | $135,000 | $30,000 | $45,000 |
| Other Purpose | 1 | $85,000 | $85,000 | $85,000 | $19,000 | $19,000 |
| Home Improvement | 1 | $155,000 | $155,000 | $155,000 | $42,000 | $42,000 |
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 | 84 | $10,600,000 | $126,000 | $645,000 | $76,000 | $634,000 |
| Not applicable | 14 | $1,740,000 | $124,000 | $635,000 | $0 | $0 |
| White | 5 | $1,145,000 | $229,000 | $395,000 | $188,000 | $525,000 |
| Not Provided | 3 | $425,000 | $141,000 | $215,000 | $31,000 | $42,000 |
| 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 |
| 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) | 49 | $8,215,000 | $167,000 | $645,000 | $121,000 | $634,000 |
| FHA-insured (Federal Housing Administration) | 31 | $3,025,000 | $97,000 | $205,000 | $40,000 | $205,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,955,000 | $102,000 | $175,000 | $34,000 | $62,000 |
| VA-guaranteed (Veterans Administration) | 7 | $715,000 | $102,000 | $215,000 | $61,000 | $128,000 |
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 | 53 | $7,335,000 | $138,000 | $645,000 | $93,000 | $634,000 |
| Application Denied By Financial Institution | 19 | $2,275,000 | $119,000 | $365,000 | $37,000 | $185,000 |
| Loan Purchased By The Institution | 14 | $1,740,000 | $124,000 | $635,000 | $0 | $0 |
| Application Withdrawn By Applicant | 9 | $1,105,000 | $122,000 | $185,000 | $60,000 | $205,000 |
| File Closed For Incompleteness | 7 | $625,000 | $89,000 | $135,000 | $61,000 | $288,000 |
| Application Approved But Not Accepted | 4 | $830,000 | $207,000 | $255,000 | $211,000 | $525,000 |
| 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 | 87 | $11,635,000 | $133,000 | $645,000 | $92,000 | $634,000 |
| Collateral | 8 | $800,000 | $100,000 | $215,000 | $29,000 | $59,000 |
| Debt-To-Income Ratio | 7 | $775,000 | $110,000 | $215,000 | $27,000 | $40,000 |
| Other | 2 | $460,000 | $230,000 | $365,000 | $105,000 | $185,000 |
| Credit History | 2 | $240,000 | $120,000 | $155,000 | $36,000 | $39,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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