Alianza Hipotecaria Mortgage Lending & HMDA Data, 2009
In 2009, Alianza Hipotecaria of San Juan, PR reported 318 mortgage applications totaling $44.3 million. The average application was for $139,220, and applicants reported an average income of $59,566. 46% of its applications resulted in an originated loan and 20% were denied. Its largest markets were San Juan-Caguas-Guaynabo, PR (228), Mayaguez, PR (43) and Aguadilla-Isabela-San Sebastian, PR (22) (applications in parentheses).
| Mortgage Company & Address | Alianza Hipotecaria P.O. Box 366201 San Juan, PR 00936 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 |
| Total Number of Mortgage Applications | 318 |
| Total Mortgage Loan Application Amount | $44,272,000 |
| Average Mortgage Loan Application Amount | $139,220 |
| Highest Mortgage Loan Application Amount | $1,340,000 |
| Average Applicant Income | $59,566 |
| Highest Applicant Income | $600,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Alianza Hipotecaria filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Juan, Puerto Rico | 40 | $ 6,170,000 | $ 154,250 | $ 69,000 |
| Mayaguez, Puerto Rico | 38 | $ 3,694,000 | $ 97,210 | $ 38,000 |
| Juncos, Puerto Rico | 21 | $ 2,131,000 | $ 101,476 | $ 30,000 |
| Hatillo, Puerto Rico | 18 | $ 2,649,000 | $ 147,166 | $ 45,000 |
| Bayamon, Puerto Rico | 16 | $ 2,192,000 | $ 137,000 | $ 86,000 |
| Arecibo, Puerto Rico | 13 | $ 1,551,000 | $ 119,307 | $ 64,000 |
| Camuy, Puerto Rico | 11 | $ 1,338,000 | $ 121,636 | $ 37,000 |
| Carolina, Puerto Rico | 10 | $ 1,412,000 | $ 141,200 | $ 52,000 |
| Dorado, Puerto Rico | 10 | $ 1,986,000 | $ 198,600 | $ 93,000 |
| Guaynabo, Puerto Rico | 10 | $ 2,843,000 | $ 284,300 | $ 127,000 |
| Gurabo, Puerto Rico | 9 | $ 986,000 | $ 109,555 | $ 58,000 |
| Toa Baja, Puerto Rico | 9 | $ 1,025,000 | $ 113,888 | $ 56,000 |
| Caguas, Puerto Rico | 8 | $ 1,385,000 | $ 173,125 | $ 88,000 |
| Cabo Rojo, Puerto Rico | 7 | $ 524,000 | $ 74,857 | $ 52,000 |
| Isabela, Puerto Rico | 7 | $ 747,000 | $ 106,714 | $ 40,000 |
| Canovanas, Puerto Rico | 6 | $ 604,000 | $ 100,666 | $ 62,000 |
| Lajas, Puerto Rico | 6 | $ 452,000 | $ 75,333 | $ 51,000 |
| Trujillo Alto, Puerto Rico | 6 | $ 1,044,000 | $ 174,000 | $ 66,000 |
| Hormigueros, Puerto Rico | 5 | $ 392,000 | $ 78,400 | $ 39,000 |
| Quebradillas, Puerto Rico | 5 | $ 570,000 | $ 114,000 | $ 40,000 |
| Toa Alta, Puerto Rico | 5 | $ 421,000 | $ 84,200 | $ 31,000 |
| Manati, Puerto Rico | 4 | $ 2,606,000 | $ 651,500 | $ 193,000 |
| San Sebastian, Puerto Rico | 4 | $ 440,000 | $ 110,000 | $ 34,000 |
| Aguadilla, Puerto Rico | 3 | $ 340,000 | $ 113,333 | $ 34,000 |
| Anasco, Puerto Rico | 3 | $ 282,000 | $ 94,000 | $ 29,000 |
| Rincon, Puerto Rico | 3 | $ 443,000 | $ 147,666 | $ 75,000 |
| Rio Grande, Puerto Rico | 3 | $ 713,000 | $ 237,666 | $ 65,000 |
| San German, Puerto Rico | 3 | $ 252,000 | $ 84,000 | $ 33,000 |
| Barceloneta, Puerto Rico | 2 | $ 213,000 | $ 106,500 | $ 39,000 |
| Catano, Puerto Rico | 2 | $ 312,000 | $ 156,000 | $ 67,000 |
| Cidra, Puerto Rico | 2 | $ 389,000 | $ 194,500 | $ 56,000 |
| Corozal, Puerto Rico | 2 | $ 233,000 | $ 116,500 | $ 28,000 |
| Juana Diaz, Puerto Rico | 2 | $ 316,000 | $ 158,000 | $ 71,000 |
| Las Piedras, Puerto Rico | 2 | $ 550,000 | $ 275,000 | $ 114,000 |
| San Lorenzo, Puerto Rico | 2 | $ 233,000 | $ 116,500 | $ 137,000 |
| Vega Baja, Puerto Rico | 2 | $ 283,000 | $ 141,500 | $ 70,000 |
| Yabucoa, Puerto Rico | 2 | $ 182,000 | $ 91,000 | $ 26,000 |
| Aguada, Puerto Rico | 1 | $ 73,000 | $ 73,000 | $ 29,000 |
| Aguas Buenas, Puerto Rico | 1 | $ 125,000 | $ 125,000 | $ 67,000 |
| Barranquitas, Puerto Rico | 1 | $ 89,000 | $ 89,000 | $ 31,000 |
| Cayey, Puerto Rico | 1 | $ 139,000 | $ 139,000 | $ 43,000 |
| Fajardo, Puerto Rico | 1 | $ 422,000 | $ 422,000 | $ 66,000 |
| Florida, Puerto Rico | 1 | $ 78,000 | $ 78,000 | $ 22,000 |
| Lares, Puerto Rico | 1 | $ 101,000 | $ 101,000 | $ 131,000 |
| Las Marias, Puerto Rico | 1 | $ 72,000 | $ 72,000 | $ 27,000 |
| Loiza, Puerto Rico | 1 | $ 156,000 | $ 156,000 | $ 60,000 |
| Luquillo, Puerto Rico | 1 | $ 199,000 | $ 199,000 | $ 146,000 |
| Naguabo, Puerto Rico | 1 | $ 82,000 | $ 82,000 | $ 21,000 |
| Naranjito, Puerto Rico | 1 | $ 240,000 | $ 240,000 | $ 30,000 |
| Ponce, Puerto Rico | 1 | $ 80,000 | $ 80,000 | $ 80,000 |
| Sabana Grande, Puerto Rico | 1 | $ 120,000 | $ 120,000 | $ 64,000 |
| Salinas, Puerto Rico | 1 | $ 53,000 | $ 53,000 | $ 62,000 |
| Utuado, Puerto Rico | 1 | $ 200,000 | $ 200,000 | $ 75,000 |
| Vega Alta, Puerto Rico | 1 | $ 140,000 | $ 140,000 | $ 130,000 |
Mortgage Loan Application Detail Totals for Alianza Hipotecaria in 2009
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 | 177 | $27,895,000 | $157,000 | $1,340,000 | $71,000 | $600,000 |
| Home Purchase | 140 | $16,277,000 | $116,000 | $492,000 | $45,000 | $255,000 |
| Home Improvement | 1 | $100,000 | $100,000 | $100,000 | $75,000 | $75,000 |
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 | 308 | $41,879,000 | $135,000 | $1,340,000 | $58,000 | $600,000 |
| Not Provided | 8 | $1,914,000 | $239,000 | $500,000 | $94,000 | $192,000 |
| American Indian or Alaskan Native | 1 | $240,000 | $240,000 | $240,000 | $67,000 | $67,000 |
| Asian | 1 | $239,000 | $239,000 | $239,000 | $49,000 | $49,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 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) | 249 | $36,961,000 | $148,000 | $1,340,000 | $68,000 | $600,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 59 | $6,058,000 | $102,000 | $157,000 | $29,000 | $54,000 |
| FHA-insured (Federal Housing Administration) | 8 | $925,000 | $115,000 | $239,000 | $28,000 | $49,000 |
| VA-guaranteed (Veterans Administration) | 2 | $328,000 | $164,000 | $170,000 | $40,000 | $45,000 |
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 | 146 | $17,970,000 | $123,000 | $800,000 | $51,000 | $278,000 |
| Application Denied By Financial Institution | 65 | $8,351,000 | $128,000 | $492,000 | $57,000 | $229,000 |
| File Closed For Incompleteness | 57 | $10,927,000 | $191,000 | $1,340,000 | $84,000 | $600,000 |
| Application Approved But Not Accepted | 48 | $6,434,000 | $134,000 | $384,000 | $56,000 | $168,000 |
| Application Withdrawn By Applicant | 2 | $590,000 | $295,000 | $523,000 | $135,000 | $240,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Alianza Hipotecaria's 2009 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Alianza Hipotecaria's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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