Ponce-Yauco-Coamo, PR Metro Area Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 416 mortgage applications in Ponce-Yauco-Coamo, PR metro area totaling $42.9 million. The average application was for $103,221, and applicants reported an average income of $49,000. 47% of applications resulted in an originated loan and 17% were denied. The most active lender was Banco Popular, with 129 applications, followed by Firstbank and Sun West Mortgage Company, 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 | 416 |
| Total Mortgage Loan Application Amount | $42,940,000 |
| Average Mortgage Loan Application Amount | $103,221 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $49,000 |
| Highest Applicant Income | $554,000 |
Top Mortgage Lenders in Ponce-Yauco-Coamo, PR Metro Area (2019)
Ranked by the number of mortgage applications each lender reported in Ponce-Yauco-Coamo, PR metro area in 2019.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Banco Popular San Juan, PR |
129 | $13,925,000 | $107,000 | $61,000 |
| 2 | Firstbank San Juan, PR |
65 | $7,455,000 | $114,000 | $46,000 |
| 3 | Sun West Mortgage Company, Inc Cerritos, CA |
34 | $3,420,000 | $100,000 | $44,000 |
| 4 | Oriental Bank San Juan, PR |
31 | $2,945,000 | $95,000 | $49,000 |
| 5 | First Equity Mortgage Bankers Inc. Miami, FL |
22 | $2,020,000 | $91,000 | $42,000 |
| 6 | Scotiabank De Puerto Rico San Juan, PR |
21 | $1,795,000 | $85,000 | $41,000 |
| 7 | The Moneyhouse Inc. San Juan, PR |
17 | $1,585,000 | $93,000 | $41,000 |
| 8 | Home Mortgage Bankers Carolina, PR |
14 | $1,410,000 | $100,000 | $32,000 |
| 9 | Metro Island Mortgage Rio Piedras, PR |
10 | $1,020,000 | $102,000 | $39,000 |
| 10 | Everbank N.A. Jacksonville, FL |
10 | $1,000,000 | $100,000 | $0 |
See every lender active in Ponce-Yauco-Coamo, PR metro area in 2019 »
The tables below break down 2019 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 2019
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 | 304 | $30,850,000 | $101,000 | $765,000 | $45,000 | $356,000 |
| Cash-out Refinancing | 56 | $5,930,000 | $105,000 | $405,000 | $62,000 | $554,000 |
| Refinancing | 35 | $4,045,000 | $115,000 | $435,000 | $59,000 | $387,000 |
| Not Applicable | 13 | $1,185,000 | $91,000 | $235,000 | $0 | $0 |
| Home Improvement | 5 | $435,000 | $87,000 | $105,000 | $45,000 | $89,000 |
| Other Purpose | 3 | $495,000 | $165,000 | $305,000 | $104,000 | $216,000 |
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 | 332 | $33,630,000 | $101,000 | $435,000 | $48,000 | $554,000 |
| Not applicable | 65 | $6,825,000 | $105,000 | $765,000 | $31,000 | $62,000 |
| White | 16 | $2,110,000 | $131,000 | $405,000 | $81,000 | $218,000 |
| Not Provided | 2 | $250,000 | $125,000 | $165,000 | $85,000 | $90,000 |
| Black or African American | 1 | $125,000 | $125,000 | $125,000 | $39,000 | $39,000 |
| 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) | 134 | $13,060,000 | $97,000 | $295,000 | $45,000 | $356,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 134 | $13,050,000 | $97,000 | $175,000 | $32,000 | $74,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 119 | $12,405,000 | $104,000 | $765,000 | $71,000 | $554,000 |
| VA-guaranteed (Veterans Administration) | 29 | $4,425,000 | $152,000 | $435,000 | $61,000 | $178,000 |
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 | 195 | $21,215,000 | $108,000 | $765,000 | $52,000 | $554,000 |
| Application Denied By Financial Institution | 72 | $6,790,000 | $94,000 | $405,000 | $39,000 | $165,000 |
| Loan Purchased By The Institution | 63 | $5,925,000 | $94,000 | $435,000 | $31,000 | $62,000 |
| Application Withdrawn By Applicant | 54 | $5,630,000 | $104,000 | $365,000 | $51,000 | $387,000 |
| File Closed For Incompleteness | 16 | $1,600,000 | $100,000 | $225,000 | $58,000 | $356,000 |
| Application Approved But Not Accepted | 16 | $1,780,000 | $111,000 | $165,000 | $53,000 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 344 | $36,150,000 | $105,000 | $765,000 | $52,000 | $554,000 |
| Collateral | 25 | $2,125,000 | $85,000 | $165,000 | $38,000 | $73,000 |
| Debt-To-Income Ratio | 19 | $2,085,000 | $109,000 | $205,000 | $35,000 | $111,000 |
| Credit History | 16 | $1,580,000 | $98,000 | $405,000 | $40,000 | $94,000 |
| Other | 5 | $505,000 | $101,000 | $165,000 | $75,000 | $165,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $175,000 | $58,000 | $75,000 | $29,000 | $48,000 |
| Employment History | 2 | $190,000 | $95,000 | $95,000 | $20,000 | $25,000 |
| Mortgage Insurance Denied | 1 | $85,000 | $85,000 | $85,000 | $41,000 | $41,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $18,000 | $18,000 |
| 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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