Cooperativa Ahorro Y Credito Aguadilla Mortgage Lending & HMDA Data, 2009
In 2009, Cooperativa Ahorro Y Credito Aguadilla of Aguadilla, PR reported 53 mortgage applications totaling $4.7 million, up 2% from 2008. The average application was for $89,188, and applicants reported an average income of $40,075. 91% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Aguadilla-Isabela-San Sebastian, PR (52) and San Juan-Caguas-Guaynabo, PR (1).
| Mortgage Company & Address | Cooperativa Ahorro Y Credito Aguadilla Apartado 541 Aguadilla, PR 00605 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 2019 2012 2011 2010 2009 2008 |
| Total Number of Mortgage Applications | 53 |
| Total Mortgage Loan Application Amount | $4,727,000 |
| Average Mortgage Loan Application Amount | $89,188 |
| Highest Mortgage Loan Application Amount | $356,000 |
| Average Applicant Income | $40,075 |
| Highest Applicant Income | $295,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cooperativa Ahorro Y Credito Aguadilla filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Ahorro Y Credito Aguadilla in 2009
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 |
|---|---|---|---|---|---|---|
| Refinancing | 43 | $3,758,000 | $87,000 | $356,000 | $38,000 | $295,000 |
| Home Purchase | 10 | $969,000 | $96,000 | $288,000 | $49,000 | $116,000 |
| 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 | 52 | $4,678,000 | $89,000 | $356,000 | $41,000 | $295,000 |
| Not Provided | 1 | $49,000 | $49,000 | $49,000 | $0 | $0 |
| White | 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 |
| 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) | 53 | $4,727,000 | $89,000 | $356,000 | $40,000 | $295,000 |
| 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 | 48 | $4,241,000 | $88,000 | $356,000 | $41,000 | $295,000 |
| Application Denied By Financial Institution | 3 | $376,000 | $125,000 | $247,000 | $27,000 | $71,000 |
| Application Withdrawn By Applicant | 2 | $110,000 | $55,000 | $80,000 | $38,000 | $57,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| 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 |
| 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 Ahorro Y Credito Aguadilla's 2009 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 Ahorro Y Credito Aguadilla'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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