Penuelas Municipio, PR Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 310 mortgage applications in Penuelas Municipio, PR totaling $21.3 million, up 13% from 2014. The average application was for $68,000, and applicants reported an average income of $37,000. 41% of applications resulted in an originated loan and 39% were denied. The most active lender was Banco Popular, with 135 applications, followed by Oriental Bank and Scotiabank De Puerto Rico.
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| 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 | 310 |
| Total Mortgage Loan Application Amount | $21,300,000 |
| Average Mortgage Loan Application Amount | $68,000 |
| Highest Mortgage Loan Application Amount | $472,000 |
| Average Applicant Income | $37,000 |
| Highest Applicant Income | $1,152,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Banco Popular PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 27,091,000,000 | 135 | $ 7,217,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 7,408,665,000 | 83 | $ 3,334,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 4,823,553,000 | 17 | $ 2,312,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 12,711,348,000 | 16 | $ 2,072,000 |
| Banco Santander Puerto Rico P O BOX 362589, SAN JUAN, PR 00936 |
* | $ 5,538,290,000 | 11 | $ 1,243,000 |
| Santander Financial Services 207 AVE PONCE DE LEON SAN JUAN, PR 00926 |
* | $ 8,082,156,000 | 11 | $ 746,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ 10,000,000 | 4 | $ 265,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 4 | $ 839,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ 10,000,000 | 4 | $ 984,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ 525,000 | 4 | $ 348,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ 10,000,000 | 3 | $ 425,000 |
| Aaa Concordia Mortgage Corp RR-37 BOX 1837 SAN JUAN, PR 00926 |
* | $ 10,000,000 | 2 | $ 140,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ 10,000,000 | 2 | $ 144,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ 279,615,000 | 2 | $ 167,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ 789,772,000 | 2 | $ 178,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ 10,000,000 | 2 | $ 221,000 |
| Aeela Mortgage PO BOX 71502 SAN JUAN, PR 00936 |
* | $ 1,000,000,000 | 1 | $ 148,000 |
| Cooperativa A/C Caribe Coop. P.O. BOX 560547 GUAYANILLA, PR 00656 |
* | $ 100,068,000 | 1 | $ 80,000 |
| San Rafael Coop CALLE RAFAEL RODR+¡GUEZ, CANAL 1 URB. AVI QUEBRADILLAS, PR 00678 |
* | $ 137,000,000 | 1 | $ 50,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ 10,000,000 | 1 | $ 150,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 1 | $ 53,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 1 | $ 44,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,107,751,000 | 1 | $ 72,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ 10,000,000 | 1 | $ 68,000 |
The tables below break down 2015 mortgage applications in Penuelas Municipio, PR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Penuelas Municipio, PR in 2015
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 Improvement | 152 | $2,488,000 | $16,000 | $472,000 | $33,000 | $1,152,000 |
| Refinancing | 84 | $11,210,000 | $133,000 | $435,000 | $44,000 | $242,000 |
| Home Purchase | 74 | $7,602,000 | $102,000 | $395,000 | $36,000 | $187,000 |
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 | 291 | $19,560,000 | $67,000 | $472,000 | $38,000 | $1,152,000 |
| Not applicable | 14 | $1,478,000 | $105,000 | $276,000 | $6,000 | $47,000 |
| Not Provided | 3 | $33,000 | $11,000 | $15,000 | $21,000 | $36,000 |
| White | 1 | $77,000 | $77,000 | $77,000 | $19,000 | $19,000 |
| Asian | 1 | $152,000 | $152,000 | $152,000 | $73,000 | $73,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 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) | 212 | $11,471,000 | $54,000 | $435,000 | $40,000 | $1,152,000 |
| FHA-insured (Federal Housing Administration) | 69 | $6,412,000 | $92,000 | $276,000 | $28,000 | $103,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 19 | $1,833,000 | $96,000 | $159,000 | $26,000 | $57,000 |
| VA-guaranteed (Veterans Administration) | 10 | $1,584,000 | $158,000 | $472,000 | $55,000 | $163,000 |
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 | 128 | $9,603,000 | $75,000 | $472,000 | $49,000 | $1,152,000 |
| Application Denied By Financial Institution | 122 | $6,351,000 | $52,000 | $435,000 | $27,000 | $182,000 |
| Application Withdrawn By Applicant | 20 | $2,172,000 | $108,000 | $427,000 | $42,000 | $132,000 |
| Loan Purchased By The Institution | 16 | $1,608,000 | $100,000 | $276,000 | $6,000 | $47,000 |
| Application Approved But Not Accepted | 13 | $592,000 | $45,000 | $288,000 | $33,000 | $58,000 |
| File Closed For Incompleteness | 11 | $974,000 | $88,000 | $160,000 | $41,000 | $105,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 11 | $1,236,000 | $112,000 | $417,000 | $34,000 | $65,000 |
| Collateral | 4 | $505,000 | $126,000 | $209,000 | $62,000 | $108,000 |
| Other | 2 | $458,000 | $229,000 | $395,000 | $43,000 | $74,000 |
| Debt-To-Income Ratio | 2 | $426,000 | $213,000 | $336,000 | $47,000 | $56,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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