Cooperativa De A/C Isabela Mortgage Lending & HMDA Data, 2024
In 2024, Cooperativa De A/C Isabela of Isabela, PR reported 156 mortgage applications totaling $21.1 million, up 133% from 2023. The average application was for $135,192, and applicants reported an average income of $86,000. 78% of its applications resulted in an originated loan and 10% were denied. Its largest markets were Aguadilla-Isabela, PR (100), San Juan-Carolina-Caguas, PR (22) and Arecibo, PR (18) (applications in parentheses).
| Mortgage Company & Address | Cooperativa De A/C Isabela 21 Calle Barbosa Suite 1 Isabela, PR 00662 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2016 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 156 |
| Total Mortgage Loan Application Amount | $21,090,000 |
| Average Mortgage Loan Application Amount | $135,192 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $86,000 |
| Highest Applicant Income | $490,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cooperativa De A/C Isabela filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Cooperativa De A/C Isabela in 2024
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 89 | $15,115,000 | $169,000 | $555,000 | $85,000 | $393,000 |
| Home Purchase | 65 | $5,815,000 | $89,000 | $325,000 | $89,000 | $490,000 |
| Refinancing | 2 | $160,000 | $80,000 | $85,000 | $33,000 | $53,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 156 | $21,090,000 | $135,000 | $555,000 | $86,000 | $490,000 |
| 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) | 155 | $20,825,000 | $134,000 | $555,000 | $86,000 | $490,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $265,000 | $265,000 | $265,000 | $90,000 | $90,000 |
| 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 | 122 | $17,400,000 | $142,000 | $555,000 | $91,000 | $490,000 |
| Application Denied By Financial Institution | 15 | $1,265,000 | $84,000 | $285,000 | $42,000 | $109,000 |
| Application Withdrawn By Applicant | 9 | $775,000 | $86,000 | $195,000 | $74,000 | $134,000 |
| Application Approved But Not Accepted | 6 | $1,080,000 | $180,000 | $355,000 | $103,000 | $144,000 |
| File Closed For Incompleteness | 4 | $570,000 | $142,000 | $235,000 | $112,000 | $215,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 141 | $19,825,000 | $140,000 | $555,000 | $91,000 | $490,000 |
| Other | 6 | $540,000 | $90,000 | $175,000 | $49,000 | $109,000 |
| Collateral | 5 | $225,000 | $45,000 | $75,000 | $23,000 | $35,000 |
| Credit History | 3 | $435,000 | $145,000 | $285,000 | $50,000 | $96,000 |
| Debt-To-Income Ratio | 1 | $65,000 | $65,000 | $65,000 | $69,000 | $69,000 |
| 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 |
| Credit Application Incomplete | 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 A/C Isabela's 2024 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 A/C Isabela'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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