Ponce-Yauco-Coamo, PR Metro Area Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 361 mortgage applications in Ponce-Yauco-Coamo, PR metro area totaling $35.8 million, down 24% from 2021. The average application was for $99,044, and applicants reported an average income of $51,000. 43% of applications resulted in an originated loan and 17% were denied. The most active lender was Banco Popular, with 89 applications, followed by Oriental Bank 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 | 361 |
| Total Mortgage Loan Application Amount | $35,755,000 |
| Average Mortgage Loan Application Amount | $99,044 |
| Highest Mortgage Loan Application Amount | $335,000 |
| Average Applicant Income | $51,000 |
| Highest Applicant Income | $352,000 |
Top Mortgage Lenders in Ponce-Yauco-Coamo, PR Metro Area (2022)
Ranked by the number of mortgage applications each lender reported in Ponce-Yauco-Coamo, PR metro area in 2022.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Banco Popular San Juan, PR |
89 | $8,605,000 | $96,000 | $62,000 |
| 2 | Oriental Bank San Juan, PR |
59 | $5,425,000 | $91,000 | $46,000 |
| 3 | Sun West Mortgage Company, Inc Cerritos, CA |
41 | $3,625,000 | $88,000 | $36,000 |
| 4 | The Moneyhouse Inc. San Juan, PR |
39 | $3,865,000 | $99,000 | $40,000 |
| 5 | Firstbank San Juan, PR |
36 | $3,930,000 | $109,000 | $70,000 |
| 6 | First Equity Mortgage Bankers Inc. Miami, FL |
31 | $3,645,000 | $117,000 | $52,000 |
| 7 | Pentagon Federal Credit Union Omaha, NE |
12 | $1,680,000 | $140,000 | $78,000 |
| 8 | Preferred Mortgage LLC San Juan, PR |
8 | $720,000 | $90,000 | $34,000 |
| 9 | Planet Home Lending, LLC Meriden, CT |
6 | $550,000 | $91,000 | $25,000 |
| 10 | Cooperativa De Ahorroy Credito Rincon, PR |
6 | $700,000 | $116,000 | $39,000 |
See every lender active in Ponce-Yauco-Coamo, PR metro area in 2022 »
The tables below break down 2022 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 2022
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 | 281 | $27,805,000 | $98,000 | $325,000 | $49,000 | $340,000 |
| Cash-out Refinancing | 31 | $3,705,000 | $119,000 | $325,000 | $61,000 | $144,000 |
| Not Applicable | 23 | $1,345,000 | $58,000 | $125,000 | $0 | $0 |
| Refinancing | 16 | $1,840,000 | $115,000 | $335,000 | $63,000 | $352,000 |
| Other Purpose | 7 | $815,000 | $116,000 | $185,000 | $41,000 | $66,000 |
| Home Improvement | 3 | $245,000 | $81,000 | $125,000 | $55,000 | $84,000 |
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 | 299 | $30,075,000 | $100,000 | $335,000 | $50,000 | $352,000 |
| Not applicable | 52 | $4,540,000 | $87,000 | $325,000 | $0 | $0 |
| White | 7 | $775,000 | $110,000 | $155,000 | $98,000 | $231,000 |
| Not Provided | 2 | $260,000 | $130,000 | $195,000 | $72,000 | $126,000 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $21,000 | $21,000 |
| 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) | 131 | $12,135,000 | $92,000 | $285,000 | $41,000 | $297,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 122 | $12,550,000 | $102,000 | $335,000 | $66,000 | $352,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 93 | $9,135,000 | $98,000 | $175,000 | $37,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,935,000 | $129,000 | $325,000 | $75,000 | $152,000 |
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 | 155 | $16,115,000 | $103,000 | $335,000 | $54,000 | $352,000 |
| Application Denied By Financial Institution | 63 | $6,325,000 | $100,000 | $325,000 | $47,000 | $231,000 |
| Loan Purchased By The Institution | 53 | $4,485,000 | $84,000 | $205,000 | $51,000 | $87,000 |
| Application Withdrawn By Applicant | 48 | $4,860,000 | $101,000 | $325,000 | $47,000 | $204,000 |
| File Closed For Incompleteness | 22 | $1,780,000 | $80,000 | $205,000 | $50,000 | $297,000 |
| Application Approved But Not Accepted | 20 | $2,190,000 | $109,000 | $185,000 | $51,000 | $144,000 |
| 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 | 298 | $29,430,000 | $98,000 | $335,000 | $52,000 | $352,000 |
| Collateral | 29 | $2,945,000 | $101,000 | $185,000 | $53,000 | $231,000 |
| Debt-To-Income Ratio | 14 | $1,340,000 | $95,000 | $175,000 | $40,000 | $187,000 |
| Other | 9 | $615,000 | $68,000 | $115,000 | $44,000 | $84,000 |
| Credit History | 4 | $580,000 | $145,000 | $325,000 | $45,000 | $71,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $515,000 | $171,000 | $285,000 | $68,000 | $122,000 |
| Unverifiable Information | 2 | $180,000 | $90,000 | $105,000 | $16,000 | $19,000 |
| Employment History | 2 | $150,000 | $75,000 | $85,000 | $40,000 | $62,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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