Ponce, PR Metro Area Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 1,339 mortgage applications in Ponce, PR metro area totaling $176.7 million, up 16% from 2024. The average application was for $131,975, and applicants reported an average income of $73,000. 55% of applications resulted in an originated loan and 15% were denied. The most active lender was Banco Popular, with 391 applications, followed by The Moneyhouse Inc. and Firstbank.
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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 | 1,339 |
| Total Mortgage Loan Application Amount | $176,715,000 |
| Average Mortgage Loan Application Amount | $131,975 |
| Highest Mortgage Loan Application Amount | $925,000 |
| Average Applicant Income | $73,000 |
| Highest Applicant Income | $3,079,000 |
| 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 |
* | $ n/a | 391 | $ 50,155,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ n/a | 252 | $ 31,360,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ n/a | 133 | $ 18,045,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ n/a | 122 | $ 15,790,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ n/a | 120 | $ 15,020,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ n/a | 56 | $ 8,160,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ n/a | 42 | $ 6,770,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ n/a | 42 | $ 5,800,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ n/a | 32 | $ 4,920,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ n/a | 17 | $ 2,335,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ n/a | 11 | $ 1,395,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ n/a | 11 | $ 1,285,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ n/a | 10 | $ 1,470,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ n/a | 10 | $ 1,230,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ n/a | 10 | $ 1,520,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ n/a | 9 | $ 1,225,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ n/a | 8 | $ 1,990,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ n/a | 6 | $ 1,000,000 |
| Coopaca Mortgage PO BOX 1056 ARECIBO, PR 00613 |
* | $ n/a | 5 | $ 435,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ n/a | 4 | $ 370,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ n/a | 4 | $ 830,000 |
| Caguas Coop AVE JOSE GAUTIER BENITEZ, CARR 1 KM 37.5 CAGUAS, PR 00726 |
* | $ n/a | 4 | $ 580,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ n/a | 4 | $ 390,000 |
| San Rafael Coop CALLE RAFAEL RODR+¡GUEZ, CANAL 1 URB. AVI QUEBRADILLAS, PR 00678 |
* | $ n/a | 3 | $ 165,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ n/a | 3 | $ 335,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ n/a | 3 | $ 445,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ n/a | 2 | $ 300,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ n/a | 2 | $ 190,000 |
| Cooperativa De A\C Aibonite+¦A 100 CALLE JOSE C VAZQUE AIBONITO, PR 00705 |
* | $ n/a | 2 | $ 240,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ n/a | 2 | $ 390,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ n/a | 2 | $ 260,000 |
| Cooperativa De A\C Lares CARR 111 KM 3.8 AVE LOS PATRIOTAS LARES, PR 00669 |
* | $ n/a | 2 | $ 280,000 |
| Cooperativa De Ac Maunabo BOX 127 MAUNABO, PR 00707 |
* | $ n/a | 2 | $ 240,000 |
| Cooperativa De A/C Camuy AVE. BALTAZAR JIMÉNEZ MÉNDEZ #300 CAMUY, PR 00627 |
* | $ n/a | 2 | $ 180,000 |
| Firstbank 10403 WEST COLFAX AVENUE LAKEWOOD, CO 80215 |
* | $ n/a | 1 | $ 55,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ n/a | 1 | $ 65,000 |
| Coop. De A/C La Puertorrique+¦A AVE. ANA G. MÉNDEZ, 9729 PR-176 KM 1.1 SAN JUAN, PR 00921 |
* | $ n/a | 1 | $ 85,000 |
| Cooperativa La Sagrada Familia CALLE BOU 38 COROZAL, PR 00783 |
* | $ n/a | 1 | $ 345,000 |
| Panorama Mortgage Group, LLC 350 RAMPART BOULEVARD SUITE 310 LAS VEGAS, NV 89113 |
* | $ n/a | 1 | $ 145,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ n/a | 1 | $ 175,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ n/a | 1 | $ 115,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ n/a | 1 | $ 145,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ n/a | 1 | $ 215,000 |
| Cooperativa De A/C Isabela 21 CALLE BARBOSA SUITE 1 ISABELA, PR 00662 |
* | $ n/a | 1 | $ 175,000 |
| Cooperativa De Ac Manati PO BOX 30562 MANATI, PR 00674 |
* | $ n/a | 1 | $ 95,000 |
The tables below break down 2025 mortgage applications in Ponce, PR metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Ponce, PR in 2025
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 | 1,080 | $145,940,000 | $135,000 | $855,000 | $71,000 | $3,079,000 |
| Cash-out Refinancing | 119 | $17,115,000 | $143,000 | $925,000 | $81,000 | $408,000 |
| Not Applicable | 52 | $2,680,000 | $51,000 | $175,000 | $0 | $0 |
| Other Purpose | 42 | $5,380,000 | $128,000 | $785,000 | $85,000 | $486,000 |
| Refinancing | 33 | $4,265,000 | $129,000 | $685,000 | $90,000 | $666,000 |
| Home Improvement | 13 | $1,335,000 | $102,000 | $195,000 | $112,000 | $366,000 |
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 | 1,111 | $147,605,000 | $132,000 | $925,000 | $73,000 | $3,079,000 |
| Not applicable | 178 | $21,720,000 | $122,000 | $855,000 | $0 | $0 |
| Not Provided | 33 | $4,625,000 | $140,000 | $255,000 | $78,000 | $164,000 |
| White | 15 | $2,545,000 | $169,000 | $325,000 | $123,000 | $324,000 |
| Black or African American | 2 | $220,000 | $110,000 | $115,000 | $33,000 | $41,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 714 | $89,760,000 | $125,000 | $535,000 | $55,000 | $497,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 418 | $54,360,000 | $130,000 | $925,000 | $102,000 | $3,079,000 |
| VA-guaranteed (Veterans Administration) | 110 | $21,200,000 | $192,000 | $665,000 | $81,000 | $167,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 97 | $11,395,000 | $117,000 | $315,000 | $46,000 | $108,000 |
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 | 739 | $99,255,000 | $134,000 | $855,000 | $66,000 | $700,000 |
| Application Denied By Financial Institution | 205 | $28,275,000 | $137,000 | $785,000 | $79,000 | $699,000 |
| Loan Purchased By The Institution | 193 | $22,335,000 | $115,000 | $495,000 | $0 | $0 |
| Application Withdrawn By Applicant | 131 | $17,095,000 | $130,000 | $925,000 | $96,000 | $3,079,000 |
| Application Approved But Not Accepted | 39 | $5,175,000 | $132,000 | $805,000 | $62,000 | $201,000 |
| File Closed For Incompleteness | 32 | $4,580,000 | $143,000 | $685,000 | $112,000 | $666,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,130 | $148,050,000 | $131,000 | $925,000 | $72,000 | $3,079,000 |
| Collateral | 91 | $12,585,000 | $138,000 | $525,000 | $84,000 | $699,000 |
| Debt-To-Income Ratio | 40 | $5,110,000 | $127,000 | $425,000 | $47,000 | $130,000 |
| Other | 23 | $3,205,000 | $139,000 | $785,000 | $94,000 | $444,000 |
| Credit History | 20 | $2,570,000 | $128,000 | $355,000 | $64,000 | $154,000 |
| Unverifiable Information | 13 | $2,395,000 | $184,000 | $465,000 | $93,000 | $191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $930,000 | $93,000 | $215,000 | $47,000 | $156,000 |
| Credit Application Incomplete | 6 | $500,000 | $83,000 | $105,000 | $103,000 | $198,000 |
| Employment History | 4 | $1,030,000 | $257,000 | $565,000 | $195,000 | $545,000 |
| Mortgage Insurance Denied | 2 | $340,000 | $170,000 | $225,000 | $109,000 | $147,000 |
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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