Banco Bilbao Vizcaya Argentari Mortgage Lending & HMDA Data, 2004
In 2004, Banco Bilbao Vizcaya Argentari of San Juan, PR reported 3,629 mortgage applications totaling $580.6 million, up 27% from 2003. The average application was for $160,001, and applicants reported an average income of $62,413. 46% of its applications resulted in an originated loan and 9% were denied. Its largest markets were San Juan-Caguas-Guaynabo, PR (2,568), Aguadilla-Isabela-San Sebastian, PR (194) and Fajardo, PR (167) (applications in parentheses).
| Mortgage Company & Address | Banco Bilbao Vizcaya Argentari 254 Munoz Rivera Ave San Juan, PR 00918 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,629 |
| Total Mortgage Loan Application Amount | $580,647,000 |
| Average Mortgage Loan Application Amount | $160,001 |
| Highest Mortgage Loan Application Amount | $15,000,000 |
| Average Applicant Income | $62,413 |
| Highest Applicant Income | $1,311,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Banco Bilbao Vizcaya Argentari filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 471 | $ 96,623,000 | $ 205,144 | $ 72,000 |
| Carolina, Puerto Rico | 247 | $ 34,161,000 | $ 138,303 | $ 60,000 |
| Bayamon, Puerto Rico | 211 | $ 26,288,000 | $ 124,587 | $ 55,000 |
| Guaynabo, Puerto Rico | 193 | $ 53,979,000 | $ 279,683 | $ 94,000 |
| Gurabo, Puerto Rico | 140 | $ 26,353,000 | $ 188,235 | $ 66,000 |
| Trujillo Alto, Puerto Rico | 139 | $ 16,973,000 | $ 122,107 | $ 45,000 |
| Caguas, Puerto Rico | 129 | $ 21,244,000 | $ 164,682 | $ 61,000 |
| Ponce, Puerto Rico | 124 | $ 14,569,000 | $ 117,491 | $ 64,000 |
| Cabo Rojo, Puerto Rico | 123 | $ 19,600,000 | $ 159,349 | $ 85,000 |
| Arecibo, Puerto Rico | 101 | $ 14,971,000 | $ 148,227 | $ 64,000 |
| Rio Grande, Puerto Rico | 96 | $ 16,033,000 | $ 167,010 | $ 99,000 |
| Toa Alta, Puerto Rico | 92 | $ 13,492,000 | $ 146,652 | $ 56,000 |
| Fajardo, Puerto Rico | 84 | $ 13,880,000 | $ 165,238 | $ 100,000 |
| Mayaguez, Puerto Rico | 84 | $ 11,895,000 | $ 141,607 | $ 54,000 |
| Toa Baja, Puerto Rico | 82 | $ 8,952,000 | $ 109,170 | $ 48,000 |
| Vega Alta, Puerto Rico | 82 | $ 18,656,000 | $ 227,512 | $ 87,000 |
| Humacao, Puerto Rico | 79 | $ 18,759,000 | $ 237,455 | $ 128,000 |
| Coamo, Puerto Rico | 55 | $ 7,283,000 | $ 132,418 | $ 49,000 |
| Ceiba, Puerto Rico | 52 | $ 9,952,000 | $ 191,384 | $ 80,000 |
| Dorado, Puerto Rico | 52 | $ 14,022,000 | $ 269,653 | $ 99,000 |
| Isabela, Puerto Rico | 49 | $ 7,774,000 | $ 158,653 | $ 70,000 |
| Yauco, Puerto Rico | 44 | $ 4,809,000 | $ 109,295 | $ 39,000 |
| Cayey, Puerto Rico | 39 | $ 4,651,000 | $ 119,256 | $ 73,000 |
| Anasco, Puerto Rico | 37 | $ 4,412,000 | $ 119,243 | $ 62,000 |
| Canovanas, Puerto Rico | 36 | $ 4,338,000 | $ 120,500 | $ 48,000 |
| Guayama, Puerto Rico | 36 | $ 3,266,000 | $ 90,722 | $ 58,000 |
| Vega Baja, Puerto Rico | 34 | $ 5,782,000 | $ 170,058 | $ 69,000 |
| Aguadilla, Puerto Rico | 33 | $ 3,920,000 | $ 118,787 | $ 44,000 |
| Juana Diaz, Puerto Rico | 32 | $ 2,814,000 | $ 87,937 | $ 40,000 |
| Luquillo, Puerto Rico | 31 | $ 5,578,000 | $ 179,935 | $ 96,000 |
| Maunabo, Puerto Rico | 27 | $ 5,113,000 | $ 189,370 | $ 122,000 |
| San Sebastian, Puerto Rico | 27 | $ 2,733,000 | $ 101,222 | $ 38,000 |
| Hormigueros, Puerto Rico | 26 | $ 2,485,000 | $ 95,576 | $ 34,000 |
| Cidra, Puerto Rico | 24 | $ 2,866,000 | $ 119,416 | $ 38,000 |
| Barceloneta, Puerto Rico | 23 | $ 2,535,000 | $ 110,217 | $ 40,000 |
| Manati, Puerto Rico | 23 | $ 2,676,000 | $ 116,347 | $ 59,000 |
| Aibonito, Puerto Rico | 21 | $ 2,207,000 | $ 105,095 | $ 49,000 |
| Hatillo, Puerto Rico | 21 | $ 3,735,000 | $ 177,857 | $ 81,000 |
| Loiza, Puerto Rico | 21 | $ 2,670,000 | $ 127,142 | $ 57,000 |
| San Lorenzo, Puerto Rico | 21 | $ 2,054,000 | $ 97,809 | $ 38,000 |
| Camuy, Puerto Rico | 20 | $ 4,074,000 | $ 203,700 | $ 32,000 |
| Utuado, Puerto Rico | 20 | $ 2,424,000 | $ 121,200 | $ 36,000 |
| Catano, Puerto Rico | 19 | $ 2,160,000 | $ 113,684 | $ 62,000 |
| Sabana Grande, Puerto Rico | 19 | $ 2,221,000 | $ 116,894 | $ 47,000 |
| Las Piedras, Puerto Rico | 18 | $ 2,554,000 | $ 141,888 | $ 58,000 |
| Barranquitas, Puerto Rico | 17 | $ 1,982,000 | $ 116,588 | $ 34,000 |
| Rincon, Puerto Rico | 17 | $ 3,904,000 | $ 229,647 | $ 105,000 |
| Penuelas, Puerto Rico | 16 | $ 996,000 | $ 62,250 | $ 43,000 |
| Salinas, Puerto Rico | 16 | $ 1,148,000 | $ 71,750 | $ 40,000 |
| Juncos, Puerto Rico | 13 | $ 1,074,000 | $ 82,615 | $ 37,000 |
| Lajas, Puerto Rico | 13 | $ 1,678,000 | $ 129,076 | $ 58,000 |
| Arroyo, Puerto Rico | 12 | $ 785,000 | $ 65,416 | $ 31,000 |
| San German, Puerto Rico | 12 | $ 1,228,000 | $ 102,333 | $ 46,000 |
| Santa Isabel, Puerto Rico | 12 | $ 1,126,000 | $ 93,833 | $ 48,000 |
| Lares, Puerto Rico | 11 | $ 1,134,000 | $ 103,090 | $ 46,000 |
| Moca, Puerto Rico | 11 | $ 953,000 | $ 86,636 | $ 37,000 |
| Patillas, Puerto Rico | 11 | $ 1,002,000 | $ 91,090 | $ 33,000 |
| Naguabo, Puerto Rico | 10 | $ 970,000 | $ 97,000 | $ 57,000 |
| Aguada, Puerto Rico | 9 | $ 1,221,000 | $ 135,666 | $ 51,000 |
| Quebradillas, Puerto Rico | 9 | $ 2,808,000 | $ 312,000 | $ 40,000 |
| Yabucoa, Puerto Rico | 9 | $ 610,000 | $ 67,777 | $ 28,000 |
| Corozal, Puerto Rico | 8 | $ 927,000 | $ 115,875 | $ 68,000 |
| Naranjito, Puerto Rico | 8 | $ 648,000 | $ 81,000 | $ 45,000 |
| Aguas Buenas, Puerto Rico | 7 | $ 987,000 | $ 141,000 | $ 75,000 |
| Villalba, Puerto Rico | 7 | $ 603,000 | $ 86,142 | $ 27,000 |
| Ciales, Puerto Rico | 6 | $ 449,000 | $ 74,833 | $ 26,000 |
| Guanica, Puerto Rico | 6 | $ 616,000 | $ 102,666 | $ 38,000 |
| Morovis, Puerto Rico | 6 | $ 596,000 | $ 99,333 | $ 38,000 |
| Comerio, Puerto Rico | 5 | $ 412,000 | $ 82,400 | $ 37,000 |
| Florida, Puerto Rico | 5 | $ 940,000 | $ 188,000 | $ 20,000 |
| Adjuntas, Puerto Rico | 4 | $ 230,000 | $ 57,500 | $ 27,000 |
| Orocovis, Puerto Rico | 4 | $ 349,000 | $ 87,250 | $ 50,000 |
| Culebra, Puerto Rico | 3 | $ 500,000 | $ 166,666 | $ 207,000 |
| Guayanilla, Puerto Rico | 3 | $ 378,000 | $ 126,000 | $ 81,000 |
| Las Marias, Puerto Rico | 3 | $ 320,000 | $ 106,666 | $ 35,000 |
| Maricao, Puerto Rico | 2 | $ 185,000 | $ 92,500 | $ 36,000 |
| Vieques, Puerto Rico | 1 | $ 44,000 | $ 44,000 | $ 24,000 |
Mortgage Loan Application Detail Totals for Banco Bilbao Vizcaya Argentari in 2004
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 | 2,200 | $380,703,000 | $158,500 | $15,000,000 | $72,500 | $1,311,000 |
| Refinancing | 1,332 | $186,184,000 | $139,000 | $10,000,000 | $56,000 | $593,000 |
| Home Improvement | 97 | $13,760,000 | $141,000 | $681,000 | $67,000 | $245,000 |
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 | 3,513 | $563,146,000 | $152,000 | $15,000,000 | $57,500 | $1,311,000 |
| White | 60 | $11,037,000 | $162,500 | $800,000 | $106,000 | $599,000 |
| Not applicable | 28 | $2,438,000 | $87,000 | $328,000 | $51,000 | $154,000 |
| Not Provided | 15 | $1,777,000 | $118,000 | $324,000 | $141,000 | $831,000 |
| Asian | 9 | $1,183,000 | $131,000 | $217,000 | $50,000 | $76,000 |
| Black or African American | 2 | $604,000 | $302,000 | $406,000 | $156,000 | $188,000 |
| American Indian or Alaskan Native | 2 | $462,000 | $231,000 | $282,000 | $98,000 | $114,000 |
| 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) | 3,546 | $572,349,000 | $152,500 | $15,000,000 | $71,000 | $1,311,000 |
| FHA-insured (Federal Housing Administration) | 71 | $6,935,000 | $97,000 | $198,000 | $34,000 | $83,000 |
| VA-guaranteed (Veterans Administration) | 9 | $1,056,000 | $117,000 | $149,000 | $51,000 | $119,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $307,000 | $102,000 | $125,000 | $40,000 | $53,000 |
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 | 1,658 | $279,672,000 | $168,000 | $10,000,000 | $66,000 | $1,284,000 |
| Loan Purchased By The Institution | 1,019 | $138,530,000 | $135,000 | $1,806,000 | $45,000 | $352,000 |
| Application Withdrawn By Applicant | 334 | $53,742,000 | $160,000 | $795,000 | $74,000 | $987,000 |
| Application Denied By Financial Institution | 322 | $48,195,000 | $149,000 | $720,000 | $63,000 | $831,000 |
| File Closed For Incompleteness | 174 | $27,054,000 | $155,000 | $985,000 | $68,000 | $1,311,000 |
| Application Approved But Not Accepted | 106 | $31,146,000 | $293,000 | $15,000,000 | $66,000 | $565,000 |
| Preapproval Approved but not Accepted | 13 | $1,950,000 | $150,000 | $224,000 | $99,000 | $191,000 |
| Preapproval Denied by Financial Institution | 3 | $358,000 | $119,000 | $184,000 | $38,000 | $75,000 |
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 | 114 | $16,790,000 | $147,000 | $450,000 | $57,000 | $290,000 |
| Debt-To-Income Ratio | 109 | $18,411,000 | $168,000 | $675,000 | $68,000 | $831,000 |
| Collateral | 46 | $5,440,000 | $118,000 | $421,000 | $59,000 | $450,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 18 | $2,922,000 | $162,000 | $720,000 | $62,000 | $227,000 |
| Unverifiable Information | 16 | $2,458,000 | $153,000 | $430,000 | $77,000 | $278,000 |
| Other | 7 | $1,003,000 | $143,000 | $330,000 | $72,000 | $239,000 |
| Employment History | 7 | $756,000 | $108,000 | $185,000 | $54,000 | $211,000 |
| Mortgage Insurance Denied | 2 | $197,000 | $98,000 | $107,000 | $29,000 | $33,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Banco Bilbao Vizcaya Argentari's 2004 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 Banco Bilbao Vizcaya Argentari'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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