Cooperativa De Ahorro Y Credito De Aguada Mortgage Lending & HMDA Data, 2013
In 2013, Cooperativa De Ahorro Y Credito De Aguada of Aguada, PR reported 47 mortgage applications totaling $4.1 million, down 11% from 2012. The average application was for $87,446, and applicants reported an average income of $56,170. 81% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Aguadilla-Isabela-San Sebastian, PR (45) and San Juan-Caguas-Guaynabo, PR (2).
| Mortgage Company & Address | Cooperativa De Ahorro Y Credito De Aguada P.O. Box 543 Aguada, PR 00602 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 |
| Total Number of Mortgage Applications | 47 |
| Total Mortgage Loan Application Amount | $4,110,000 |
| Average Mortgage Loan Application Amount | $87,446 |
| Highest Mortgage Loan Application Amount | $265,000 |
| Average Applicant Income | $56,170 |
| Highest Applicant Income | $157,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cooperativa De Ahorro Y Credito De Aguada filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Aguada, Puerto Rico | 28 | $ 2,490,000 | $ 88,928 | $ 52,000 |
| Aguadilla, Puerto Rico | 8 | $ 546,000 | $ 68,250 | $ 37,000 |
| Moca, Puerto Rico | 6 | $ 556,000 | $ 92,666 | $ 49,000 |
| Isabela, Puerto Rico | 3 | $ 287,000 | $ 95,666 | $ 101,000 |
| Carolina, Puerto Rico | 1 | $ 135,000 | $ 135,000 | $ 135,000 |
| Vega Baja, Puerto Rico | 1 | $ 96,000 | $ 96,000 | $ 157,000 |
Mortgage Loan Application Detail Totals for Cooperativa De Ahorro Y Credito De Aguada in 2013
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 | 25 | $2,276,000 | $91,000 | $265,000 | $44,000 | $118,000 |
| Home Purchase | 22 | $1,834,000 | $83,000 | $155,000 | $70,000 | $157,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 47 | $4,110,000 | $87,000 | $265,000 | $56,000 | $157,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 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) | 46 | $4,044,000 | $87,000 | $265,000 | $57,000 | $157,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $66,000 | $66,000 | $66,000 | $12,000 | $12,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 38 | $3,473,000 | $91,000 | $265,000 | $62,000 | $157,000 |
| Application Denied By Financial Institution | 7 | $486,000 | $69,000 | $99,000 | $31,000 | $64,000 |
| File Closed For Incompleteness | 2 | $151,000 | $75,000 | $85,000 | $30,000 | $49,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 6 | $443,000 | $73,000 | $99,000 | $26,000 | $39,000 |
| Debt-To-Income Ratio | 1 | $43,000 | $43,000 | $43,000 | $64,000 | $64,000 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cooperativa De Ahorro Y Credito De Aguada's 2013 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 Cooperativa De Ahorro Y Credito De Aguada'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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