Cooperativa De A/C Camuy Mortgage Lending & HMDA Data, 2025
In 2025, Cooperativa De A/C Camuy of Camuy, PR reported 190 mortgage applications totaling $32.7 million, up 30% from 2024. The average application was for $172,052, and applicants reported an average income of $90,715. 92% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Arecibo, PR (101), San Juan-Carolina-Caguas, PR (44) and Aguadilla-Isabela, PR (32) (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 | 190 |
| Total Mortgage Loan Application Amount | $32,690,000 |
| Average Mortgage Loan Application Amount | $172,052 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $90,715 |
| Highest Applicant Income | $847,000 |
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(HMDA) records Cooperativa De A/C Camuy filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Arecibo, PR | 101 | $ 16,715,000 | $ 165,495 | $ 87,000 |
| San Juan-Carolina-Caguas, PR | 44 | $ 8,420,000 | $ 191,363 | $ 105,000 |
| Aguadilla-Isabela, PR | 32 | $ 5,350,000 | $ 167,187 | $ 80,000 |
| Mayagnez, PR | 8 | $ 1,750,000 | $ 218,750 | $ 123,000 |
| Outside any metro area | 2 | $ 210,000 | $ 105,000 | $ 68,000 |
| Ponce, PR | 2 | $ 180,000 | $ 90,000 | $ 66,000 |
| Guayama, PR | 1 | $ 65,000 | $ 65,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Cooperativa De A/C Camuy in 2025
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 | 100 | $15,030,000 | $150,000 | $1,005,000 | $82,000 | $847,000 |
| Refinancing | 58 | $12,170,000 | $209,000 | $1,205,000 | $113,000 | $566,000 |
| Cash-out Refinancing | 21 | $3,225,000 | $153,000 | $365,000 | $70,000 | $161,000 |
| Other Purpose | 11 | $2,265,000 | $205,000 | $395,000 | $92,000 | $184,000 |
| 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 | 190 | $32,690,000 | $172,000 | $1,205,000 | $91,000 | $847,000 |
| 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) | 190 | $32,690,000 | $172,000 | $1,205,000 | $91,000 | $847,000 |
| 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 | 174 | $31,060,000 | $178,000 | $1,205,000 | $96,000 | $847,000 |
| Application Denied By Financial Institution | 15 | $1,485,000 | $99,000 | $205,000 | $29,000 | $108,000 |
| Preapproval Denied by Financial Institution | 1 | $145,000 | $145,000 | $145,000 | $52,000 | $52,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
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 | 174 | $31,060,000 | $178,000 | $1,205,000 | $96,000 | $847,000 |
| Debt-To-Income Ratio | 11 | $1,245,000 | $113,000 | $205,000 | $28,000 | $108,000 |
| Credit History | 3 | $185,000 | $61,000 | $125,000 | $34,000 | $55,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $0 | $0 |
| Collateral | 1 | $145,000 | $145,000 | $145,000 | $52,000 | $52,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2025 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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