Cooperativa De Ac Jesus Obrero Mortgage Lending & HMDA Data, 2021
In 2021, Cooperativa De Ac Jesus Obrero of Guaynabo, PR reported 86 mortgage applications totaling $8.4 million, up 169% from 2020. The average application was for $97,093, and applicants reported an average income of $41,988. 55% of its applications resulted in an originated loan and 21% were denied. Its largest market was San Juan-Carolina-Caguas, PR (85).
| Mortgage Company & Address | Cooperativa De Ac Jesus Obrero Pmb 159 Hc 01 Box 29030 Guaynabo, PR 00969 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 86 |
| Total Mortgage Loan Application Amount | $8,350,000 |
| Average Mortgage Loan Application Amount | $97,093 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $41,988 |
| Highest Applicant Income | $517,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cooperativa De Ac Jesus Obrero filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 22 | $ 2,280,000 | $ 103,636 | $ 42,000 |
| Caguas, Puerto Rico | 14 | $ 1,350,000 | $ 96,428 | $ 38,000 |
| Bayamon, Puerto Rico | 10 | $ 890,000 | $ 89,000 | $ 29,000 |
| Trujillo Alto, Puerto Rico | 6 | $ 480,000 | $ 80,000 | $ 29,000 |
| Guaynabo, Puerto Rico | 5 | $ 445,000 | $ 89,000 | $ 20,000 |
| Cayey, Puerto Rico | 3 | $ 285,000 | $ 95,000 | $ 27,000 |
| Dorado, Puerto Rico | 3 | $ 805,000 | $ 268,333 | $ 134,000 |
| Toa Baja, Puerto Rico | 3 | $ 275,000 | $ 91,666 | $ 27,000 |
| Aguas Buenas, Puerto Rico | 2 | $ 130,000 | $ 65,000 | $ 21,000 |
| Cidra, Puerto Rico | 2 | $ 200,000 | $ 100,000 | $ 29,000 |
| Gurabo, Puerto Rico | 2 | $ 150,000 | $ 75,000 | $ 19,000 |
| Juncos, Puerto Rico | 2 | $ 120,000 | $ 60,000 | $ 54,000 |
| Vega Baja, Puerto Rico | 2 | $ 200,000 | $ 100,000 | $ 284,000 |
| Barceloneta, Puerto Rico | 1 | $ 95,000 | $ 95,000 | $ 38,000 |
| Canovanas, Puerto Rico | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Carolina, Puerto Rico | 1 | $ 55,000 | $ 55,000 | $ 17,000 |
| Coamo, Puerto Rico | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Corozal, Puerto Rico | 1 | $ 45,000 | $ 45,000 | $ 21,000 |
| Humacao, Puerto Rico | 1 | $ 85,000 | $ 85,000 | $ 30,000 |
| Las Piedras, Puerto Rico | 1 | $ 85,000 | $ 85,000 | $ 23,000 |
| Maunabo, Puerto Rico | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| Vega Alta, Puerto Rico | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Yabucoa, Puerto Rico | 1 | $ 75,000 | $ 75,000 | $ 20,000 |
Mortgage Loan Application Detail Totals for Cooperativa De Ac Jesus Obrero in 2021
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 | 77 | $6,565,000 | $85,000 | $205,000 | $37,000 | $517,000 |
| Cash-out Refinancing | 5 | $1,055,000 | $211,000 | $395,000 | $90,000 | $184,000 |
| Refinancing | 4 | $730,000 | $182,000 | $275,000 | $78,000 | $179,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 81 | $7,835,000 | $96,000 | $395,000 | $37,000 | $184,000 |
| White | 3 | $335,000 | $111,000 | $155,000 | $30,000 | $40,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $16,000 | $16,000 |
| Not Provided | 1 | $105,000 | $105,000 | $105,000 | $517,000 | $517,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 86 | $8,350,000 | $97,000 | $395,000 | $42,000 | $517,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans 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 | 47 | $4,235,000 | $90,000 | $395,000 | $34,000 | $127,000 |
| File Closed For Incompleteness | 21 | $2,555,000 | $121,000 | $295,000 | $72,000 | $517,000 |
| Application Denied By Financial Institution | 18 | $1,560,000 | $86,000 | $135,000 | $30,000 | $49,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 68 | $6,790,000 | $99,000 | $395,000 | $46,000 | $517,000 |
| Collateral | 10 | $910,000 | $91,000 | $135,000 | $26,000 | $38,000 |
| Debt-To-Income Ratio | 5 | $425,000 | $85,000 | $105,000 | $35,000 | $49,000 |
| Credit History | 2 | $140,000 | $70,000 | $75,000 | $33,000 | $48,000 |
| Employment History | 1 | $85,000 | $85,000 | $85,000 | $40,000 | $40,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 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 Cooperativa De Ac Jesus Obrero's 2021 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 Ac Jesus Obrero'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.
For a list of all lenders in Puerto Rico, download the full spreadsheet
with aggregated HMDA statistics today.
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