The Moneyhouse Inc. Mortgage Lending & HMDA Data, 2021
In 2021, The Moneyhouse Inc. of San Juan, PR reported 4,565 mortgage applications totaling $598.3 million, up 118% from 2020. The average application was for $131,061, and applicants reported an average income of $54,697. 33% of its applications resulted in an originated loan and 7% were denied. Its largest markets were San Juan-Carolina-Caguas, PR (3,397), Ponce, PR (255) and Arecibo, PR (175) (applications in parentheses).
| Mortgage Company & Address | The Moneyhouse Inc. #52 Calle Paseo Covandonga San Juan, PR 00901 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,565 |
| Total Mortgage Loan Application Amount | $598,295,000 |
| Average Mortgage Loan Application Amount | $131,061 |
| Highest Mortgage Loan Application Amount | $555,000 |
| Average Applicant Income | $54,697 |
| Highest Applicant Income | $1,257,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Moneyhouse Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Juan-Carolina-Caguas, PR | 3,397 | $ 452,285,000 | $ 133,142 | $ 54,000 |
| Ponce, PR | 255 | $ 28,005,000 | $ 109,823 | $ 38,000 |
| Arecibo, PR | 175 | $ 20,395,000 | $ 116,542 | $ 37,000 |
| Outside any metro area | 165 | $ 18,455,000 | $ 111,848 | $ 41,000 |
| Guayama, PR | 102 | $ 9,920,000 | $ 97,254 | $ 42,000 |
| Aguadilla-Isabela, PR | 100 | $ 13,820,000 | $ 138,200 | $ 62,000 |
| San German-Cabo Rojo, PR | 95 | $ 10,765,000 | $ 113,315 | $ 59,000 |
| Mayagnez, PR | 79 | $ 8,775,000 | $ 111,075 | $ 40,000 |
| Ponce-Yauco-Coamo, PR | 60 | $ 6,200,000 | $ 103,333 | $ 30,000 |
| Orlando-Kissimmee-Sanford, FL | 54 | $ 12,740,000 | $ 235,925 | $ 98,000 |
| Lakeland-Winter Haven, FL | 18 | $ 3,330,000 | $ 185,000 | $ 59,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 7 | $ 1,525,000 | $ 217,857 | $ 61,000 |
| Dallas-Plano-Irving, TX | 5 | $ 1,065,000 | $ 213,000 | $ 0 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 1,215,000 | $ 243,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 1,185,000 | $ 237,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 4 | $ 960,000 | $ 240,000 | $ 0 |
| Ocala, FL | 4 | $ 670,000 | $ 167,500 | $ 41,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 855,000 | $ 285,000 | $ 87,000 |
| Atlanta-Sandy Springs-Roswell, GA | 2 | $ 270,000 | $ 135,000 | $ 105,000 |
| Austin-Round Rock, TX | 2 | $ 320,000 | $ 160,000 | $ 0 |
| Chico, CA | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Colorado Springs, CO | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Lubbock, TX | 2 | $ 240,000 | $ 120,000 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 640,000 | $ 320,000 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Punta Gorda, FL | 2 | $ 360,000 | $ 180,000 | $ 86,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 430,000 | $ 215,000 | $ 67,000 |
| Fort Worth-Arlington, TX | 1 | $ 265,000 | $ 265,000 | $ 80,000 |
| Hinesville, GA | 1 | $ 105,000 | $ 105,000 | $ 114,000 |
| Johnson City, TN | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Modesto, CA | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 335,000 | $ 335,000 | $ 111,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 175,000 | $ 175,000 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Port St. Lucie, FL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Salinas, CA | 1 | $ 395,000 | $ 395,000 | $ 0 |
| San Diego-Carlsbad, CA | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Stockton-Lodi, CA | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 265,000 | $ 265,000 | $ 0 |
Mortgage Loan Application Detail Totals for The Moneyhouse Inc. in 2021
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 | 2,524 | $340,180,000 | $134,000 | $555,000 | $59,000 | $1,257,000 |
| Not Applicable | 1,366 | $173,590,000 | $127,000 | $405,000 | $0 | $0 |
| Refinancing | 461 | $52,435,000 | $113,000 | $365,000 | $24,000 | $840,000 |
| Cash-out Refinancing | 210 | $31,410,000 | $149,000 | $545,000 | $67,000 | $989,000 |
| Home Improvement | 4 | $680,000 | $170,000 | $325,000 | $232,000 | $232,000 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,368 | $300,300,000 | $126,000 | $445,000 | $0 | $0 |
| Hispanic | 2,132 | $283,740,000 | $133,000 | $555,000 | $50,000 | $1,257,000 |
| White | 50 | $11,410,000 | $228,000 | $545,000 | $146,000 | $989,000 |
| Black or African American | 9 | $1,295,000 | $143,000 | $245,000 | $99,000 | $154,000 |
| Not Provided | 3 | $485,000 | $161,000 | $195,000 | $29,000 | $59,000 |
| Asian | 3 | $1,065,000 | $355,000 | $485,000 | $139,000 | $188,000 |
| American Indian or Alaskan Native | 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 2,796 | $360,750,000 | $129,000 | $525,000 | $38,000 | $185,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1,100 | $125,890,000 | $114,000 | $315,000 | $37,000 | $118,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 427 | $68,265,000 | $159,000 | $545,000 | $106,000 | $1,257,000 |
| VA-guaranteed (Veterans Administration) | 242 | $43,390,000 | $179,000 | $555,000 | $57,000 | $195,000 |
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 | 2,368 | $300,300,000 | $126,000 | $445,000 | $0 | $0 |
| Loan Originated | 1,489 | $204,415,000 | $137,000 | $555,000 | $51,000 | $1,257,000 |
| Application Denied By Financial Institution | 315 | $41,315,000 | $131,000 | $545,000 | $55,000 | $743,000 |
| Application Withdrawn By Applicant | 215 | $29,425,000 | $136,000 | $495,000 | $57,000 | $409,000 |
| File Closed For Incompleteness | 178 | $22,840,000 | $128,000 | $545,000 | $56,000 | $989,000 |
| Application Approved But Not Accepted | 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 | 4,250 | $556,980,000 | $131,000 | $555,000 | $52,000 | $1,257,000 |
| Collateral | 172 | $23,120,000 | $134,000 | $545,000 | $59,000 | $743,000 |
| Credit History | 42 | $5,310,000 | $126,000 | $365,000 | $55,000 | $344,000 |
| Debt-To-Income Ratio | 41 | $5,205,000 | $126,000 | $275,000 | $50,000 | $199,000 |
| Unverifiable Information | 16 | $2,000,000 | $125,000 | $305,000 | $45,000 | $87,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 15 | $2,095,000 | $139,000 | $255,000 | $52,000 | $200,000 |
| Other | 14 | $1,660,000 | $118,000 | $245,000 | $46,000 | $118,000 |
| Employment History | 12 | $1,530,000 | $127,000 | $245,000 | $37,000 | $62,000 |
| Mortgage Insurance Denied | 2 | $330,000 | $165,000 | $215,000 | $90,000 | $128,000 |
| Credit Application Incomplete | 1 | $65,000 | $65,000 | $65,000 | $9,000 | $9,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Moneyhouse Inc.'s 2021 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 The Moneyhouse Inc.'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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