Cooperativa Ahorro Y Credito Aguadilla Mortgage Lending & HMDA Data, 2010
In 2010, Cooperativa Ahorro Y Credito Aguadilla of Aguadilla, PR reported 73 mortgage applications totaling $7.5 million, up 38% from 2009. The average application was for $103,369, and applicants reported an average income of $38,739. 93% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Aguadilla-Isabela-San Sebastian, PR (68), San Juan-Caguas-Guaynabo, PR (3) and Mayaguez, PR (2) (applications in parentheses).
| 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 | 73 |
| Total Mortgage Loan Application Amount | $7,546,000 |
| Average Mortgage Loan Application Amount | $103,369 |
| Highest Mortgage Loan Application Amount | $470,000 |
| Average Applicant Income | $38,739 |
| Highest Applicant Income | $181,000 |
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Cooperativa Ahorro Y Credito Aguadilla filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 55 | $5,756,000 | $104,000 | $470,000 | $38,000 | $181,000 |
| Home Purchase | 18 | $1,790,000 | $99,000 | $320,000 | $41,000 | $138,000 |
| 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 | 70 | $7,086,000 | $101,000 | $470,000 | $39,000 | $181,000 |
| Not Provided | 3 | $460,000 | $153,000 | $300,000 | $25,000 | $29,000 |
| 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) | 73 | $7,546,000 | $103,000 | $470,000 | $39,000 | $181,000 |
| 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 | 68 | $6,796,000 | $99,000 | $470,000 | $40,000 | $181,000 |
| Application Withdrawn By Applicant | 5 | $750,000 | $150,000 | $300,000 | $23,000 | $29,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 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 2010 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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