Easy Money - Mortgage Division Mortgage Lending & HMDA Data, 2003
In 2003, Easy Money - Mortgage Division of Caguas, PR reported 1,461 mortgage applications totaling $129.5 million. The average application was for $88,624, and applicants reported an average income of $36,817. 9% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Juan-Bayamon, PR (840), Caguas, PR (453) and Ponce, PR (30) (applications in parentheses).
| Mortgage Company & Address | Easy Money - Mortgage Division 22 Munoz Marin Ave Villa Blanc Caguas, PR 00725 |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 1,461 |
| Total Mortgage Loan Application Amount | $129,480,000 |
| Average Mortgage Loan Application Amount | $88,624 |
| Highest Mortgage Loan Application Amount | $667,000 |
| Average Applicant Income | $36,817 |
| Highest Applicant Income | $489,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Easy Money - Mortgage Division filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Caguas, Puerto Rico | 282 | $ 25,466,000 | $ 90,304 | $ 41,000 |
| San Juan, Puerto Rico | 150 | $ 18,142,000 | $ 120,946 | $ 50,000 |
| Bayamon, Puerto Rico | 125 | $ 11,182,000 | $ 89,456 | $ 34,000 |
| Carolina, Puerto Rico | 91 | $ 9,167,000 | $ 100,736 | $ 35,000 |
| Humacao, Puerto Rico | 80 | $ 5,568,000 | $ 69,600 | $ 47,000 |
| Cayey, Puerto Rico | 61 | $ 4,027,000 | $ 66,016 | $ 32,000 |
| Toa Alta, Puerto Rico | 50 | $ 3,694,000 | $ 73,880 | $ 35,000 |
| Toa Baja, Puerto Rico | 48 | $ 4,082,000 | $ 85,041 | $ 42,000 |
| San Lorenzo, Puerto Rico | 44 | $ 3,450,000 | $ 78,409 | $ 33,000 |
| Cidra, Puerto Rico | 36 | $ 2,803,000 | $ 77,861 | $ 34,000 |
| Guaynabo, Puerto Rico | 34 | $ 4,616,000 | $ 135,764 | $ 72,000 |
| Gurabo, Puerto Rico | 30 | $ 2,184,000 | $ 72,800 | $ 37,000 |
| Catano, Puerto Rico | 26 | $ 2,530,000 | $ 97,307 | $ 46,000 |
| Yabucoa, Puerto Rico | 24 | $ 1,446,000 | $ 60,250 | $ 30,000 |
| Juncos, Puerto Rico | 22 | $ 1,480,000 | $ 67,272 | $ 45,000 |
| Aibonito, Puerto Rico | 18 | $ 1,218,000 | $ 67,666 | $ 28,000 |
| Rio Grande, Puerto Rico | 17 | $ 1,633,000 | $ 96,058 | $ 66,000 |
| Vega Baja, Puerto Rico | 17 | $ 1,223,000 | $ 71,941 | $ 41,000 |
| Trujillo Alto, Puerto Rico | 16 | $ 1,717,000 | $ 107,312 | $ 39,000 |
| Dorado, Puerto Rico | 15 | $ 2,027,000 | $ 135,133 | $ 50,000 |
| Vega Alta, Puerto Rico | 15 | $ 2,142,000 | $ 142,800 | $ 75,000 |
| Juana Diaz, Puerto Rico | 14 | $ 1,037,000 | $ 74,071 | $ 48,000 |
| Corozal, Puerto Rico | 13 | $ 941,000 | $ 72,384 | $ 29,000 |
| Ponce, Puerto Rico | 13 | $ 1,639,000 | $ 126,076 | $ 41,000 |
| Fajardo, Puerto Rico | 12 | $ 922,000 | $ 76,833 | $ 30,000 |
| Naranjito, Puerto Rico | 12 | $ 808,000 | $ 67,333 | $ 41,000 |
| Ceiba, Puerto Rico | 11 | $ 831,000 | $ 75,545 | $ 31,000 |
| Guayama, Puerto Rico | 11 | $ 716,000 | $ 65,090 | $ 37,000 |
| Manati, Puerto Rico | 11 | $ 1,077,000 | $ 97,909 | $ 52,000 |
| Arecibo, Puerto Rico | 10 | $ 699,000 | $ 69,900 | $ 28,000 |
| Canovanas, Puerto Rico | 10 | $ 1,144,000 | $ 114,400 | $ 51,000 |
| Salinas, Puerto Rico | 10 | $ 514,000 | $ 51,400 | $ 39,000 |
| Aguas Buenas, Puerto Rico | 8 | $ 449,000 | $ 56,125 | $ 25,000 |
| Comerio, Puerto Rico | 8 | $ 404,000 | $ 50,500 | $ 29,000 |
| Mayaguez, Puerto Rico | 8 | $ 634,000 | $ 79,250 | $ 36,000 |
| Naguabo, Puerto Rico | 8 | $ 537,000 | $ 67,125 | $ 21,000 |
| Barceloneta, Puerto Rico | 7 | $ 554,000 | $ 79,142 | $ 41,000 |
| Culebra, Puerto Rico | 6 | $ 279,000 | $ 46,500 | $ 30,000 |
| Sabana Grande, Puerto Rico | 6 | $ 440,000 | $ 73,333 | $ 30,000 |
| Utuado, Puerto Rico | 6 | $ 327,000 | $ 54,500 | $ 38,000 |
| Patillas, Puerto Rico | 5 | $ 382,000 | $ 76,400 | $ 29,000 |
| Aguadilla, Puerto Rico | 4 | $ 466,000 | $ 116,500 | $ 53,000 |
| Anasco, Puerto Rico | 4 | $ 268,000 | $ 67,000 | $ 16,000 |
| Cabo Rojo, Puerto Rico | 4 | $ 290,000 | $ 72,500 | $ 36,000 |
| Camuy, Puerto Rico | 4 | $ 216,000 | $ 54,000 | $ 36,000 |
| Coamo, Puerto Rico | 4 | $ 246,000 | $ 61,500 | $ 26,000 |
| Florida, Puerto Rico | 4 | $ 514,000 | $ 128,500 | $ 23,000 |
| Hormigueros, Puerto Rico | 4 | $ 219,000 | $ 54,750 | $ 30,000 |
| Jayuya, Puerto Rico | 4 | $ 341,000 | $ 85,250 | $ 23,000 |
| San Sebastian, Puerto Rico | 4 | $ 236,000 | $ 59,000 | $ 23,000 |
| Arroyo, Puerto Rico | 3 | $ 243,000 | $ 81,000 | $ 35,000 |
| Guanica, Puerto Rico | 3 | $ 149,000 | $ 49,666 | $ 25,000 |
| Lajas, Puerto Rico | 3 | $ 98,000 | $ 32,666 | $ 20,000 |
| Lares, Puerto Rico | 3 | $ 274,000 | $ 91,333 | $ 47,000 |
| Morovis, Puerto Rico | 3 | $ 212,000 | $ 70,666 | $ 20,000 |
| Adjuntas, Puerto Rico | 2 | $ 198,000 | $ 99,000 | $ 42,000 |
| Barranquitas, Puerto Rico | 2 | $ 317,000 | $ 158,500 | $ 34,000 |
| Ciales, Puerto Rico | 2 | $ 166,000 | $ 83,000 | $ 30,000 |
| Loiza, Puerto Rico | 2 | $ 186,000 | $ 93,000 | $ 30,000 |
| Moca, Puerto Rico | 2 | $ 135,000 | $ 67,500 | $ 30,000 |
| Vieques, Puerto Rico | 2 | $ 107,000 | $ 53,500 | $ 18,000 |
| Villalba, Puerto Rico | 2 | $ 163,000 | $ 81,500 | $ 30,000 |
| Luquillo, Puerto Rico | 1 | $ 72,000 | $ 72,000 | $ 24,000 |
| Maunabo, Puerto Rico | 1 | $ 77,000 | $ 77,000 | $ 40,000 |
| Orocovis, Puerto Rico | 1 | $ 60,000 | $ 60,000 | $ 25,000 |
| San German, Puerto Rico | 1 | $ 16,000 | $ 16,000 | $ 26,000 |
| Santa Isabel, Puerto Rico | 1 | $ 64,000 | $ 64,000 | $ 28,000 |
| Yauco, Puerto Rico | 1 | $ 16,000 | $ 16,000 | $ 11,000 |
Mortgage Loan Application Detail Totals for Easy Money - Mortgage Division in 2003
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 (home purchase or home improvement, one-to-four family) | 1,227 | $104,365,000 | $85,000 | $667,000 | $35,000 | $401,000 |
| Home Purchase (one-to-four family) | 230 | $24,279,000 | $105,000 | $342,000 | $47,000 | $489,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 3 | $710,000 | $236,000 | $318,000 | $0 | $0 |
| Home Improvement (one-to-four family) | 1 | $126,000 | $126,000 | $126,000 | $36,000 | $36,000 |
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 |
|---|---|---|---|---|---|---|
| Hispanic | 1,438 | $127,418,000 | $88,000 | $667,000 | $38,000 | $489,000 |
| Information not provided by applicant in mail or telephone application | 23 | $2,062,000 | $89,000 | $180,000 | $38,000 | $85,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 or Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Black | 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) | 1,459 | $129,259,000 | $88,000 | $667,000 | $38,000 | $489,000 |
| FHA-insured (Federal Housing Administration) | 2 | $221,000 | $110,000 | $129,000 | $31,000 | $37,000 |
| 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 Purchased By The Institution | 674 | $58,794,000 | $87,000 | $527,000 | $39,000 | $489,000 |
| File Closed For Incompleteness | 615 | $57,411,000 | $93,000 | $667,000 | $39,000 | $360,000 |
| Loan Originated | 136 | $9,827,000 | $72,000 | $302,000 | $37,000 | $186,000 |
| Application Withdrawn By Applicant | 20 | $1,652,000 | $82,000 | $300,000 | $36,000 | $90,000 |
| Application Denied By Financial Institution | 15 | $1,700,000 | $113,000 | $400,000 | $36,000 | $162,000 |
| Application Approved But Not Accepted | 1 | $96,000 | $96,000 | $96,000 | $15,000 | $15,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 15 | $1,700,000 | $113,000 | $400,000 | $36,000 | $162,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Easy Money - Mortgage Division's 2003 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 Easy Money - Mortgage Division'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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