Cooperativa De A/C Camuy Mortgage Lending & HMDA Data, 2024
In 2024, Cooperativa De A/C Camuy of Camuy, PR reported 146 mortgage applications totaling $23.1 million, up 16% from 2023. The average application was for $158,287, and applicants reported an average income of $84,253. 75% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Arecibo, PR (85), San Juan-Carolina-Caguas, PR (30) 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 | 146 |
| Total Mortgage Loan Application Amount | $23,110,000 |
| Average Mortgage Loan Application Amount | $158,287 |
| Highest Mortgage Loan Application Amount | $2,405,000 |
| Average Applicant Income | $84,253 |
| Highest Applicant Income | $919,000 |
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(HMDA) records Cooperativa De A/C Camuy filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Cooperativa De A/C Camuy 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 86 | $8,720,000 | $101,000 | $275,000 | $64,000 | $371,000 |
| Cash-out Refinancing | 37 | $9,425,000 | $254,000 | $2,405,000 | $132,000 | $919,000 |
| Refinancing | 16 | $2,720,000 | $170,000 | $305,000 | $88,000 | $370,000 |
| Home Improvement | 5 | $1,965,000 | $393,000 | $1,355,000 | $75,000 | $216,000 |
| Other Purpose | 2 | $280,000 | $140,000 | $155,000 | $65,000 | $74,000 |
| 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 | 145 | $23,005,000 | $158,000 | $2,405,000 | $84,000 | $919,000 |
| White | 1 | $105,000 | $105,000 | $105,000 | $25,000 | $25,000 |
| 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) | 146 | $23,110,000 | $158,000 | $2,405,000 | $84,000 | $919,000 |
| 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 | 109 | $16,885,000 | $154,000 | $1,355,000 | $80,000 | $695,000 |
| Application Withdrawn By Applicant | 23 | $4,455,000 | $193,000 | $2,405,000 | $105,000 | $919,000 |
| Application Denied By Financial Institution | 10 | $1,210,000 | $121,000 | $305,000 | $99,000 | $370,000 |
| File Closed For Incompleteness | 3 | $445,000 | $148,000 | $215,000 | $37,000 | $50,000 |
| Application Approved But Not Accepted | 1 | $115,000 | $115,000 | $115,000 | $27,000 | $27,000 |
| 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 | 136 | $21,900,000 | $161,000 | $2,405,000 | $83,000 | $919,000 |
| Collateral | 3 | $235,000 | $78,000 | $125,000 | $28,000 | $33,000 |
| Credit History | 2 | $350,000 | $175,000 | $195,000 | $200,000 | $257,000 |
| Debt-To-Income Ratio | 2 | $360,000 | $180,000 | $305,000 | $196,000 | $370,000 |
| Employment History | 1 | $55,000 | $55,000 | $55,000 | $28,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $165,000 | $165,000 | $165,000 | $40,000 | $40,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $50,000 | $50,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cooperativa De A/C Camuy'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 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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