Doral Bank Mortgage Lending & HMDA Data, 2014
In 2014, Doral Bank of San Juan, PR reported 3,924 mortgage applications totaling $469.4 million, down 38% from 2013. The average application was for $119,628, and applicants reported an average income of $34,121. 0% of its applications resulted in an originated loan and 0% were denied. Its largest markets were San Juan-Caguas-Guaynabo, PR (2,855), Ponce, PR (258) and Aguadilla-Isabela-San Sebastian, PR (199) (applications in parentheses).
| Mortgage Company & Address | Doral Bank 268 Ponce De Leon Suite 910 San Juan, PR 00918 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,924 |
| Total Mortgage Loan Application Amount | $469,421,000 |
| Average Mortgage Loan Application Amount | $119,628 |
| Highest Mortgage Loan Application Amount | $4,550,000 |
| Average Applicant Income | $34,121 |
| Highest Applicant Income | $655,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Doral Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Juan, Puerto Rico | 372 | $ 48,128,000 | $ 129,376 | $ 41,000 |
| Bayamon, Puerto Rico | 304 | $ 35,669,000 | $ 117,332 | $ 30,000 |
| Carolina, Puerto Rico | 256 | $ 30,311,000 | $ 118,402 | $ 33,000 |
| Caguas, Puerto Rico | 210 | $ 25,862,000 | $ 123,152 | $ 37,000 |
| Ponce, Puerto Rico | 157 | $ 19,637,000 | $ 125,076 | $ 38,000 |
| Arecibo, Puerto Rico | 122 | $ 14,516,000 | $ 118,983 | $ 32,000 |
| Toa Alta, Puerto Rico | 121 | $ 15,114,000 | $ 124,909 | $ 35,000 |
| Toa Baja, Puerto Rico | 120 | $ 14,584,000 | $ 121,533 | $ 32,000 |
| Trujillo Alto, Puerto Rico | 117 | $ 17,133,000 | $ 146,435 | $ 44,000 |
| Guaynabo, Puerto Rico | 116 | $ 19,876,000 | $ 171,344 | $ 60,000 |
| Dorado, Puerto Rico | 113 | $ 19,075,000 | $ 168,805 | $ 51,000 |
| Humacao, Puerto Rico | 98 | $ 9,795,000 | $ 99,948 | $ 30,000 |
| Guayama, Puerto Rico | 82 | $ 6,336,000 | $ 77,268 | $ 17,000 |
| Las Piedras, Puerto Rico | 78 | $ 9,114,000 | $ 116,846 | $ 38,000 |
| Gurabo, Puerto Rico | 73 | $ 12,365,000 | $ 169,383 | $ 44,000 |
| Vega Baja, Puerto Rico | 71 | $ 8,292,000 | $ 116,788 | $ 40,000 |
| Cabo Rojo, Puerto Rico | 68 | $ 5,703,000 | $ 83,867 | $ 17,000 |
| Rio Grande, Puerto Rico | 68 | $ 8,418,000 | $ 123,794 | $ 40,000 |
| Canovanas, Puerto Rico | 65 | $ 9,126,000 | $ 140,400 | $ 36,000 |
| Juncos, Puerto Rico | 63 | $ 5,928,000 | $ 94,095 | $ 23,000 |
| Juana Diaz, Puerto Rico | 51 | $ 5,194,000 | $ 101,843 | $ 22,000 |
| Manati, Puerto Rico | 49 | $ 5,536,000 | $ 112,979 | $ 32,000 |
| Mayaguez, Puerto Rico | 49 | $ 4,292,000 | $ 87,591 | $ 32,000 |
| Isabela, Puerto Rico | 47 | $ 4,629,000 | $ 98,489 | $ 30,000 |
| Vega Alta, Puerto Rico | 46 | $ 6,967,000 | $ 151,456 | $ 39,000 |
| Aguadilla, Puerto Rico | 44 | $ 4,341,000 | $ 98,659 | $ 30,000 |
| Fajardo, Puerto Rico | 44 | $ 4,748,000 | $ 107,909 | $ 42,000 |
| Naguabo, Puerto Rico | 43 | $ 3,403,000 | $ 79,139 | $ 18,000 |
| Yabucoa, Puerto Rico | 43 | $ 3,390,000 | $ 78,837 | $ 17,000 |
| Barceloneta, Puerto Rico | 42 | $ 3,907,000 | $ 93,023 | $ 27,000 |
| San Lorenzo, Puerto Rico | 42 | $ 4,957,000 | $ 118,023 | $ 36,000 |
| Coamo, Puerto Rico | 39 | $ 3,853,000 | $ 98,794 | $ 32,000 |
| Cayey, Puerto Rico | 37 | $ 4,709,000 | $ 127,270 | $ 37,000 |
| Cidra, Puerto Rico | 37 | $ 4,378,000 | $ 118,324 | $ 32,000 |
| Salinas, Puerto Rico | 37 | $ 2,712,000 | $ 73,297 | $ 9,000 |
| Catano, Puerto Rico | 34 | $ 4,573,000 | $ 134,500 | $ 39,000 |
| Arroyo, Puerto Rico | 33 | $ 2,183,000 | $ 66,151 | $ 16,000 |
| Ceiba, Puerto Rico | 29 | $ 3,065,000 | $ 105,689 | $ 37,000 |
| Hatillo, Puerto Rico | 29 | $ 3,243,000 | $ 111,827 | $ 36,000 |
| Moca, Puerto Rico | 25 | $ 2,770,000 | $ 110,800 | $ 49,000 |
| Santa Isabel, Puerto Rico | 24 | $ 2,261,000 | $ 94,208 | $ 29,000 |
| San German, Puerto Rico | 22 | $ 2,266,000 | $ 103,000 | $ 24,000 |
| Camuy, Puerto Rico | 21 | $ 2,174,000 | $ 103,523 | $ 36,000 |
| Loiza, Puerto Rico | 21 | $ 1,965,000 | $ 93,571 | $ 28,000 |
| Luquillo, Puerto Rico | 20 | $ 2,520,000 | $ 126,000 | $ 33,000 |
| Anasco, Puerto Rico | 19 | $ 2,052,000 | $ 108,000 | $ 35,000 |
| San Sebastian, Puerto Rico | 19 | $ 1,940,000 | $ 102,105 | $ 52,000 |
| Aguada, Puerto Rico | 18 | $ 1,840,000 | $ 102,222 | $ 34,000 |
| Yauco, Puerto Rico | 18 | $ 1,468,000 | $ 81,555 | $ 29,000 |
| Sabana Grande, Puerto Rico | 17 | $ 1,067,000 | $ 62,764 | $ 13,000 |
| Aguas Buenas, Puerto Rico | 16 | $ 1,665,000 | $ 104,062 | $ 29,000 |
| Morovis, Puerto Rico | 16 | $ 1,454,000 | $ 90,875 | $ 32,000 |
| Aibonito, Puerto Rico | 15 | $ 1,728,000 | $ 115,200 | $ 29,000 |
| Ciales, Puerto Rico | 14 | $ 998,000 | $ 71,285 | $ 20,000 |
| Naranjito, Puerto Rico | 14 | $ 1,663,000 | $ 118,785 | $ 33,000 |
| Patillas, Puerto Rico | 14 | $ 1,354,000 | $ 96,714 | $ 22,000 |
| Villalba, Puerto Rico | 14 | $ 1,367,000 | $ 97,642 | $ 22,000 |
| Lares, Puerto Rico | 13 | $ 1,090,000 | $ 83,846 | $ 27,000 |
| Quebradillas, Puerto Rico | 12 | $ 1,218,000 | $ 101,500 | $ 49,000 |
| Comerio, Puerto Rico | 11 | $ 1,088,000 | $ 98,909 | $ 22,000 |
| Florida, Puerto Rico | 11 | $ 975,000 | $ 88,636 | $ 23,000 |
| Penuelas, Puerto Rico | 11 | $ 787,000 | $ 71,545 | $ 22,000 |
| Utuado, Puerto Rico | 11 | $ 883,000 | $ 80,272 | $ 31,000 |
| Adjuntas, Puerto Rico | 9 | $ 814,000 | $ 90,444 | $ 23,000 |
| Barranquitas, Puerto Rico | 9 | $ 1,024,000 | $ 113,777 | $ 51,000 |
| Corozal, Puerto Rico | 9 | $ 927,000 | $ 103,000 | $ 25,000 |
| Hormigueros, Puerto Rico | 8 | $ 616,000 | $ 77,000 | $ 25,000 |
| Jayuya, Puerto Rico | 8 | $ 613,000 | $ 76,625 | $ 19,000 |
| Lajas, Puerto Rico | 8 | $ 761,000 | $ 95,125 | $ 28,000 |
| Orocovis, Puerto Rico | 6 | $ 679,000 | $ 113,166 | $ 57,000 |
| Guayanilla, Puerto Rico | 5 | $ 333,000 | $ 66,600 | $ 10,000 |
| Las Marias, Puerto Rico | 4 | $ 433,000 | $ 108,250 | $ 35,000 |
| Rincon, Puerto Rico | 3 | $ 267,000 | $ 89,000 | $ 7,000 |
| Kings, New York | 2 | $ 2,350,000 | $ 1,175,000 | $ 0 |
| New York, New York | 2 | $ 6,370,000 | $ 3,185,000 | $ 0 |
| Guanica, Puerto Rico | 2 | $ 108,000 | $ 54,000 | $ 0 |
| Maunabo, Puerto Rico | 2 | $ 162,000 | $ 81,000 | $ 17,000 |
| Culebra, Puerto Rico | 1 | $ 117,000 | $ 117,000 | $ 0 |
| Vieques, Puerto Rico | 1 | $ 192,000 | $ 192,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for Doral Bank in 2014
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 | 2,876 | $324,637,000 | $112,000 | $4,550,000 | $29,000 | $505,000 |
| Home Purchase | 956 | $136,407,000 | $142,000 | $1,820,000 | $48,000 | $258,000 |
| Home Improvement | 92 | $8,377,000 | $91,000 | $417,000 | $50,000 | $655,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,924 | $469,421,000 | $119,000 | $4,550,000 | $34,000 | $655,000 |
| 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 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,622 | $213,331,000 | $131,000 | $4,550,000 | $55,000 | $655,000 |
| FHA-insured (Federal Housing Administration) | 1,518 | $152,223,000 | $100,000 | $614,000 | $18,000 | $360,000 |
| VA-guaranteed (Veterans Administration) | 460 | $65,993,000 | $143,000 | $426,000 | $15,000 | $145,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 324 | $37,874,000 | $116,000 | $277,000 | $36,000 | $88,000 |
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 Purchased By The Institution | 3,923 | $464,871,000 | $118,000 | $1,820,000 | $34,000 | $655,000 |
| Application Approved But Not Accepted | 1 | $4,550,000 | $4,550,000 | $4,550,000 | $0 | $0 |
| Application Denied By Financial Institution | 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 Originated | 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 Doral Bank's 2014 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 Doral Bank'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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