Cooperativa De A/C Camuy Mortgage Lending & HMDA Data, 2021
In 2021, Cooperativa De A/C Camuy of Camuy, PR reported 145 mortgage applications totaling $16.7 million, up 54% from 2020. The average application was for $115,413, and applicants reported an average income of $58,972. 99% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Arecibo, PR (92), San Juan-Carolina-Caguas, PR (28) and Aguadilla-Isabela, PR (19) (applications in parentheses).
| Mortgage Company & Address | Cooperativa De A/C Camuy Ave. Baltazar Jiménez Méndez #300 Camuy, PR 00627 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 145 |
| Total Mortgage Loan Application Amount | $16,735,000 |
| Average Mortgage Loan Application Amount | $115,413 |
| Highest Mortgage Loan Application Amount | $505,000 |
| Average Applicant Income | $58,972 |
| Highest Applicant Income | $631,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cooperativa De A/C Camuy filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Camuy, Puerto Rico | 46 | $ 4,920,000 | $ 106,956 | $ 47,000 |
| Quebradillas, Puerto Rico | 20 | $ 1,920,000 | $ 96,000 | $ 41,000 |
| Arecibo, Puerto Rico | 15 | $ 1,425,000 | $ 95,000 | $ 40,000 |
| Hatillo, Puerto Rico | 11 | $ 1,275,000 | $ 115,909 | $ 42,000 |
| Isabela, Puerto Rico | 7 | $ 945,000 | $ 135,000 | $ 78,000 |
| Moca, Puerto Rico | 5 | $ 745,000 | $ 149,000 | $ 62,000 |
| Guaynabo, Puerto Rico | 4 | $ 710,000 | $ 177,500 | $ 101,000 |
| Aguadilla, Puerto Rico | 3 | $ 375,000 | $ 125,000 | $ 56,000 |
| Bayamon, Puerto Rico | 3 | $ 245,000 | $ 81,666 | $ 56,000 |
| Cabo Rojo, Puerto Rico | 3 | $ 465,000 | $ 155,000 | $ 347,000 |
| Vega Baja, Puerto Rico | 3 | $ 425,000 | $ 141,666 | $ 160,000 |
| Adjuntas, Puerto Rico | 2 | $ 170,000 | $ 85,000 | $ 29,000 |
| Aguada, Puerto Rico | 2 | $ 160,000 | $ 80,000 | $ 48,000 |
| Barceloneta, Puerto Rico | 2 | $ 130,000 | $ 65,000 | $ 25,000 |
| San Juan, Puerto Rico | 2 | $ 100,000 | $ 50,000 | $ 42,000 |
| San Sebastian, Puerto Rico | 2 | $ 210,000 | $ 105,000 | $ 58,000 |
| Carolina, Puerto Rico | 1 | $ 35,000 | $ 35,000 | $ 18,000 |
| Cayey, Puerto Rico | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Ciales, Puerto Rico | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Cidra, Puerto Rico | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Comerio, Puerto Rico | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Dorado, Puerto Rico | 1 | $ 365,000 | $ 365,000 | $ 134,000 |
| Fajardo, Puerto Rico | 1 | $ 135,000 | $ 135,000 | $ 88,000 |
| Manati, Puerto Rico | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Morovis, Puerto Rico | 1 | $ 135,000 | $ 135,000 | $ 104,000 |
| Naguabo, Puerto Rico | 1 | $ 245,000 | $ 245,000 | $ 109,000 |
| Rio Grande, Puerto Rico | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Santa Isabel, Puerto Rico | 1 | $ 375,000 | $ 375,000 | $ 69,000 |
| Toa Baja, Puerto Rico | 1 | $ 55,000 | $ 55,000 | $ 16,000 |
| Trujillo Alto, Puerto Rico | 1 | $ 65,000 | $ 65,000 | $ 113,000 |
| Vega Alta, Puerto Rico | 1 | $ 505,000 | $ 505,000 | $ 227,000 |
Mortgage Loan Application Detail Totals for Cooperativa De A/C Camuy 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 | 106 | $11,390,000 | $107,000 | $375,000 | $53,000 | $631,000 |
| Refinancing | 22 | $3,380,000 | $153,000 | $505,000 | $83,000 | $227,000 |
| Cash-out Refinancing | 15 | $1,785,000 | $119,000 | $255,000 | $69,000 | $138,000 |
| Other Purpose | 2 | $180,000 | $90,000 | $135,000 | $36,000 | $56,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 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 | 142 | $16,380,000 | $115,000 | $505,000 | $56,000 | $631,000 |
| White | 3 | $355,000 | $118,000 | $155,000 | $146,000 | $194,000 |
| 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 |
| 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 |
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) | 142 | $16,250,000 | $114,000 | $505,000 | $58,000 | $631,000 |
| FHA-insured (Federal Housing Administration) | 2 | $350,000 | $175,000 | $195,000 | $47,000 | $48,000 |
| VA-guaranteed (Veterans Administration) | 1 | $135,000 | $135,000 | $135,000 | $88,000 | $88,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 144 | $16,620,000 | $115,000 | $505,000 | $58,000 | $631,000 |
| File Closed For Incompleteness | 1 | $115,000 | $115,000 | $115,000 | $122,000 | $122,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 145 | $16,735,000 | $115,000 | $505,000 | $58,000 | $631,000 |
| 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 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cooperativa De A/C Camuy'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 A/C Camuy'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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