Ponce-Yauco-Coamo, PR Metro Area Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 473 mortgage applications in Ponce-Yauco-Coamo, PR metro area totaling $49.5 million, down 2% from 2020. The average application was for $104,682, and applicants reported an average income of $49,000. 48% of applications resulted in an originated loan and 17% were denied. The most active lender was Banco Popular, with 127 applications, followed by Oriental Bank and The Moneyhouse Inc..
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| Years | 2023 2022 2021 2020 2019 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 473 |
| Total Mortgage Loan Application Amount | $49,515,000 |
| Average Mortgage Loan Application Amount | $104,682 |
| Highest Mortgage Loan Application Amount | $545,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $426,000 |
| 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 |
* | $ 41,627,000,000 | 127 | $ 13,525,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 9,253,736,000 | 87 | $ 6,645,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 60 | $ 6,200,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 12,597,360,000 | 42 | $ 5,550,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 40 | $ 4,570,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ -1,000 | 25 | $ 2,605,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 14 | $ 1,420,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 13 | $ 1,335,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 11 | $ 1,805,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 8 | $ 840,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ -1,000 | 6 | $ 550,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 5 | $ 475,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ -1,000 | 5 | $ 845,000 |
| San Rafael Coop CALLE RAFAEL RODR+¡GUEZ, CANAL 1 URB. AVI QUEBRADILLAS, PR 00678 |
* | $ -1,000 | 4 | $ 380,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 3 | $ 295,000 |
| Cooperativa A/C Cabo Rojo PR 100 KM. 7.0 BO.MIRADERO CABO ROJO, PR 00623 |
* | $ -1,000 | 2 | $ 200,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ -1,000 | 2 | $ 250,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ -1,000 | 2 | $ 170,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,921,403,000 | 2 | $ 230,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 180,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 422,363,000 | 2 | $ 150,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ -1,000 | 2 | $ 290,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ -1,000 | 2 | $ 240,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ -1,000 | 2 | $ 250,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ -1,000 | 1 | $ 45,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 1 | $ 45,000 |
| Coopaca Mortgage PO BOX 1056 ARECIBO, PR 00613 |
* | $ -1,000 | 1 | $ 175,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ -1,000 | 1 | $ 165,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 85,000 |
The tables below break down 2021 mortgage applications in Ponce-Yauco-Coamo, 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-Yauco-Coamo, PR 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 | 297 | $29,685,000 | $99,000 | $545,000 | $40,000 | $201,000 |
| Refinancing | 85 | $9,725,000 | $114,000 | $395,000 | $68,000 | $426,000 |
| Cash-out Refinancing | 71 | $7,885,000 | $111,000 | $505,000 | $65,000 | $325,000 |
| Not Applicable | 18 | $2,060,000 | $114,000 | $275,000 | $0 | $0 |
| Other Purpose | 1 | $85,000 | $85,000 | $85,000 | $95,000 | $95,000 |
| Home Improvement | 1 | $75,000 | $75,000 | $75,000 | $48,000 | $48,000 |
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 | 387 | $40,505,000 | $104,000 | $545,000 | $49,000 | $426,000 |
| Not applicable | 77 | $7,965,000 | $103,000 | $275,000 | $0 | $0 |
| White | 5 | $555,000 | $111,000 | $225,000 | $71,000 | $201,000 |
| Not Provided | 4 | $490,000 | $122,000 | $165,000 | $54,000 | $89,000 |
| 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 |
| Black or African American | 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) | 175 | $18,495,000 | $105,000 | $545,000 | $63,000 | $325,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 155 | $15,545,000 | $100,000 | $225,000 | $35,000 | $144,000 |
| FHA-insured (Federal Housing Administration) | 126 | $13,080,000 | $103,000 | $285,000 | $40,000 | $426,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,395,000 | $140,000 | $315,000 | $65,000 | $85,000 |
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 | 228 | $23,530,000 | $103,000 | $455,000 | $48,000 | $426,000 |
| Application Denied By Financial Institution | 80 | $8,040,000 | $100,000 | $545,000 | $46,000 | $201,000 |
| Loan Purchased By The Institution | 77 | $7,965,000 | $103,000 | $275,000 | $0 | $0 |
| Application Withdrawn By Applicant | 44 | $5,160,000 | $117,000 | $505,000 | $61,000 | $325,000 |
| File Closed For Incompleteness | 29 | $3,275,000 | $112,000 | $285,000 | $49,000 | $137,000 |
| Application Approved But Not Accepted | 14 | $1,420,000 | $101,000 | $185,000 | $54,000 | $154,000 |
| Preapproval Denied by Financial Institution | 1 | $125,000 | $125,000 | $125,000 | $21,000 | $21,000 |
| Preapproval Approved but not Accepted | 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 | 392 | $41,350,000 | $105,000 | $505,000 | $50,000 | $426,000 |
| Collateral | 40 | $3,910,000 | $97,000 | $225,000 | $52,000 | $201,000 |
| Debt-To-Income Ratio | 18 | $2,320,000 | $128,000 | $545,000 | $48,000 | $173,000 |
| Credit History | 10 | $820,000 | $82,000 | $125,000 | $39,000 | $139,000 |
| Other | 5 | $555,000 | $111,000 | $155,000 | $36,000 | $66,000 |
| Unverifiable Information | 3 | $255,000 | $85,000 | $115,000 | $32,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $215,000 | $71,000 | $95,000 | $34,000 | $47,000 |
| Employment History | 1 | $35,000 | $35,000 | $35,000 | $18,000 | $18,000 |
| Credit Application Incomplete | 1 | $55,000 | $55,000 | $55,000 | $21,000 | $21,000 |
| Mortgage Insurance Denied | 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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