Rf Mortgage (Tel 782-8255; Fax Mortgage Lending & HMDA Data, 2005
In 2005, Rf Mortgage (Tel 782-8255; Fax of San Juan, PR reported 575 mortgage applications totaling $90.2 million, up 31% from 2004. The average application was for $156,899, and applicants reported an average income of $87,085. 77% of its applications resulted in an originated loan and 1% were denied. Its largest markets were San Juan-Caguas-Guaynabo, PR (462), Ponce, PR (57) and San German-Cabo Rojo, PR (14) (applications in parentheses).
| Mortgage Company & Address | Rf Mortgage (Tel 782-8255; Fax 1148 Ave Franklin D. Roosevelt San Juan, PR 00920 |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 575 |
| Total Mortgage Loan Application Amount | $90,217,000 |
| Average Mortgage Loan Application Amount | $156,899 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $87,085 |
| Highest Applicant Income | $1,576,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Rf Mortgage (Tel 782-8255; Fax filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 103 | $ 20,587,000 | $ 199,873 | $ 106,000 |
| Carolina, Puerto Rico | 56 | $ 8,271,000 | $ 147,696 | $ 74,000 |
| Bayamon, Puerto Rico | 53 | $ 7,084,000 | $ 133,660 | $ 67,000 |
| Ponce, Puerto Rico | 44 | $ 3,693,000 | $ 83,931 | $ 41,000 |
| Guaynabo, Puerto Rico | 37 | $ 9,695,000 | $ 262,027 | $ 116,000 |
| Caguas, Puerto Rico | 31 | $ 4,257,000 | $ 137,322 | $ 61,000 |
| Toa Alta, Puerto Rico | 24 | $ 2,890,000 | $ 120,416 | $ 62,000 |
| Trujillo Alto, Puerto Rico | 18 | $ 2,935,000 | $ 163,055 | $ 93,000 |
| Toa Baja, Puerto Rico | 16 | $ 2,360,000 | $ 147,500 | $ 74,000 |
| Cabo Rojo, Puerto Rico | 13 | $ 2,393,000 | $ 184,076 | $ 168,000 |
| Dorado, Puerto Rico | 13 | $ 2,613,000 | $ 201,000 | $ 65,000 |
| Rio Grande, Puerto Rico | 12 | $ 1,419,000 | $ 118,250 | $ 56,000 |
| Juana Diaz, Puerto Rico | 11 | $ 1,143,000 | $ 103,909 | $ 54,000 |
| Cidra, Puerto Rico | 9 | $ 1,061,000 | $ 117,888 | $ 41,000 |
| Vega Alta, Puerto Rico | 9 | $ 2,142,000 | $ 238,000 | $ 78,000 |
| Aguas Buenas, Puerto Rico | 8 | $ 1,177,000 | $ 147,125 | $ 46,000 |
| Arecibo, Puerto Rico | 7 | $ 961,000 | $ 137,285 | $ 65,000 |
| Vega Baja, Puerto Rico | 6 | $ 575,000 | $ 95,833 | $ 38,000 |
| Canovanas, Puerto Rico | 5 | $ 811,000 | $ 162,200 | $ 78,000 |
| Cayey, Puerto Rico | 5 | $ 732,000 | $ 146,400 | $ 91,000 |
| Corozal, Puerto Rico | 5 | $ 484,000 | $ 96,800 | $ 77,000 |
| Gurabo, Puerto Rico | 5 | $ 964,000 | $ 192,800 | $ 71,000 |
| Morovis, Puerto Rico | 5 | $ 635,000 | $ 127,000 | $ 44,000 |
| Naranjito, Puerto Rico | 5 | $ 525,000 | $ 105,000 | $ 63,000 |
| San Lorenzo, Puerto Rico | 5 | $ 450,000 | $ 90,000 | $ 46,000 |
| Fajardo, Puerto Rico | 4 | $ 434,000 | $ 108,500 | $ 73,000 |
| Guayama, Puerto Rico | 4 | $ 531,000 | $ 132,750 | $ 49,000 |
| Loiza, Puerto Rico | 4 | $ 308,000 | $ 77,000 | $ 35,000 |
| Penuelas, Puerto Rico | 4 | $ 288,000 | $ 72,000 | $ 77,000 |
| Salinas, Puerto Rico | 4 | $ 446,000 | $ 111,500 | $ 103,000 |
| Aguadilla, Puerto Rico | 3 | $ 869,000 | $ 289,666 | $ 313,000 |
| Barceloneta, Puerto Rico | 3 | $ 387,000 | $ 129,000 | $ 31,000 |
| Catano, Puerto Rico | 3 | $ 423,000 | $ 141,000 | $ 38,000 |
| Jayuya, Puerto Rico | 3 | $ 465,000 | $ 155,000 | $ 77,000 |
| Rincon, Puerto Rico | 3 | $ 895,000 | $ 298,333 | $ 578,000 |
| Coamo, Puerto Rico | 2 | $ 140,000 | $ 70,000 | $ 23,000 |
| Guayanilla, Puerto Rico | 2 | $ 128,000 | $ 64,000 | $ 50,000 |
| Hatillo, Puerto Rico | 2 | $ 180,000 | $ 90,000 | $ 29,000 |
| Humacao, Puerto Rico | 2 | $ 893,000 | $ 446,500 | $ 153,000 |
| Las Piedras, Puerto Rico | 2 | $ 226,000 | $ 113,000 | $ 48,000 |
| Luquillo, Puerto Rico | 2 | $ 385,000 | $ 192,500 | $ 71,000 |
| Manati, Puerto Rico | 2 | $ 302,000 | $ 151,000 | $ 118,000 |
| Moca, Puerto Rico | 2 | $ 380,000 | $ 190,000 | $ 70,000 |
| Naguabo, Puerto Rico | 2 | $ 193,000 | $ 96,500 | $ 21,000 |
| Villalba, Puerto Rico | 2 | $ 138,000 | $ 69,000 | $ 58,000 |
| Aguada, Puerto Rico | 1 | $ 162,000 | $ 162,000 | $ 129,000 |
| Arroyo, Puerto Rico | 1 | $ 155,000 | $ 155,000 | $ 60,000 |
| Camuy, Puerto Rico | 1 | $ 180,000 | $ 180,000 | $ 88,000 |
| Ciales, Puerto Rico | 1 | $ 112,000 | $ 112,000 | $ 41,000 |
| Culebra, Puerto Rico | 1 | $ 112,000 | $ 112,000 | $ 22,000 |
| Juncos, Puerto Rico | 1 | $ 84,000 | $ 84,000 | $ 25,000 |
| Lajas, Puerto Rico | 1 | $ 67,000 | $ 67,000 | $ 20,000 |
| Mayaguez, Puerto Rico | 1 | $ 468,000 | $ 468,000 | $ 117,000 |
| Orocovis, Puerto Rico | 1 | $ 58,000 | $ 58,000 | $ 35,000 |
| Patillas, Puerto Rico | 1 | $ 64,000 | $ 64,000 | $ 43,000 |
| Quebradillas, Puerto Rico | 1 | $ 402,000 | $ 402,000 | $ 1,576,000 |
| Santa Isabel, Puerto Rico | 1 | $ 80,000 | $ 80,000 | $ 21,000 |
| Utuado, Puerto Rico | 1 | $ 169,000 | $ 169,000 | $ 37,000 |
| Vieques, Puerto Rico | 1 | $ 100,000 | $ 100,000 | $ 59,000 |
| Yauco, Puerto Rico | 1 | $ 136,000 | $ 136,000 | $ 71,000 |
Mortgage Loan Application Detail Totals for Rf Mortgage (Tel 782-8255; Fax in 2005
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 | 352 | $56,153,000 | $159,000 | $1,300,000 | $88,000 | $1,576,000 |
| Refinancing | 221 | $34,002,000 | $153,000 | $680,000 | $86,000 | $884,000 |
| Home Improvement | 2 | $62,000 | $31,000 | $36,000 | $46,000 | $69,000 |
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 | 554 | $85,478,000 | $154,000 | $1,300,000 | $77,000 | $884,000 |
| Not Provided | 14 | $3,154,000 | $225,000 | $675,000 | $243,000 | $1,576,000 |
| White | 6 | $1,470,000 | $245,000 | $375,000 | $79,000 | $130,000 |
| Asian | 1 | $115,000 | $115,000 | $115,000 | $57,000 | $57,000 |
| Black or African American | 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 |
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) | 561 | $88,337,000 | $157,000 | $1,300,000 | $90,000 | $1,576,000 |
| FHA-insured (Federal Housing Administration) | 5 | $391,000 | $78,000 | $108,000 | $24,000 | $31,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $686,000 | $137,000 | $170,000 | $37,000 | $43,000 |
| VA-guaranteed (Veterans Administration) | 4 | $803,000 | $200,000 | $281,000 | $46,000 | $53,000 |
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 Originated | 445 | $71,600,000 | $160,000 | $1,300,000 | $101,000 | $1,576,000 |
| Application Withdrawn By Applicant | 72 | $11,265,000 | $156,000 | $520,000 | $62,000 | $342,000 |
| Application Approved But Not Accepted | 48 | $6,143,000 | $127,000 | $464,000 | $67,000 | $428,000 |
| Application Denied By Financial Institution | 7 | $1,022,000 | $146,000 | $235,000 | $47,000 | $88,000 |
| File Closed For Incompleteness | 3 | $187,000 | $62,000 | $100,000 | $20,000 | $25,000 |
| 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 Rf Mortgage (Tel 782-8255; Fax's 2005 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 Rf Mortgage (Tel 782-8255; Fax'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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