San Juan-Caguas-Guaynabo, PR Metro Area Mortgage Lenders & HMDA Data, 2015
In 2015, lenders reported 41,576 mortgage applications in San Juan-Caguas-Guaynabo, PR metro area totaling $4.2 billion, down 17% from 2014. The average application was for $101,305, and applicants reported an average income of $46,000. 49% of applications resulted in an originated loan and 27% were denied. The most active lender was Banco Popular, with 17,437 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 |
| Total Number of Mortgage Applications | 41,576 |
| Total Mortgage Loan Application Amount | $4,211,866,000 |
| Average Mortgage Loan Application Amount | $101,305 |
| Highest Mortgage Loan Application Amount | $4,605,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $9,999,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| 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 | 17,437 | $ 1,554,010,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 7,408,665,000 | 5,916 | $ 394,709,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 4,823,553,000 | 4,438 | $ 453,325,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 12,711,348,000 | 3,995 | $ 602,405,000 |
| Banco Santander Puerto Rico P O BOX 362589, SAN JUAN, PR 00936 |
* | $ 5,538,290,000 | 1,221 | $ 163,703,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ 10,000,000 | 1,081 | $ 123,488,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ 10,000,000 | 754 | $ 86,514,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ 10,000,000 | 704 | $ 86,133,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 646 | $ 97,881,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ 789,772,000 | 564 | $ 67,666,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ 10,000,000 | 424 | $ 64,047,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ 10,000,000 | 371 | $ 51,690,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ 10,000,000 | 351 | $ 38,761,000 |
| Santander Financial Services 207 AVE PONCE DE LEON SAN JUAN, PR 00926 |
* | $ 8,082,156,000 | 347 | $ 23,926,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ 279,615,000 | 308 | $ 34,748,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ 10,000,000 | 294 | $ 36,004,000 |
| First Security Mortgage, Inc. 97 DE DIEGO AVE. SAN FRANCISCO SAN JUAN, PR 00929 |
* | $ 10,000,000 | 254 | $ 32,273,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ 10,000,000 | 240 | $ 39,700,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ 10,000,000 | 225 | $ 26,636,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ 10,000,000 | 200 | $ 22,013,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ 525,000 | 192 | $ 21,912,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ 0 | 185 | $ 23,630,000 |
| Aeela Mortgage PO BOX 71502 SAN JUAN, PR 00936 |
* | $ 1,000,000,000 | 158 | $ 17,161,000 |
| Vegacoop APARTADO 1078 VEGA ALTA, PR 00692 |
* | $ 262,934,000 | 149 | $ 15,694,000 |
| Aaa Concordia Mortgage Corp RR-37 BOX 1837 SAN JUAN, PR 00926 |
* | $ 10,000,000 | 124 | $ 13,955,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ 155,431,000 | 113 | $ 11,952,000 |
| Advance Mortgage Bankers, Inc. P.O. BOX 50286 TOA BAJA, PR 00950 |
* | $ 15,555,000 | 99 | $ 11,947,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ 11,000,000 | 96 | $ 12,589,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 62 | $ 5,494,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 56 | $ 4,308,000 |
| Express Solution Mortgage Corp 1606 PONCE DE LEON AVE. SUITE L-06 SAN JUAN, PR 00909 |
* | $ 15,000,000 | 51 | $ 6,370,000 |
| Cooperativa De A/C Arecibo PO BOX 1056 ARECIBO, PR 00613 |
* | $ 10,000,000 | 47 | $ 4,341,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,781,238,000 | 47 | $ 4,269,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,107,751,000 | 43 | $ 5,748,000 |
| Cooperativa De Ac San Jose CALLE DEGETAU 106 SUR AIBONITO, PR 00705 |
* | $ 95,017,000 | 32 | $ 3,526,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 293,227,000 | 27 | $ 5,361,000 |
| Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A PO BOX 1865 ARECIBO, PR 00613 |
* | $ 202,737,729,000 | 27 | $ 3,771,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 63,635,411,000 | 25 | $ 371,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ 1,229,168,000 | 25 | $ 7,208,000 |
| Cooperativa De A\C Aibonite+¦A 100 CALLE JOSE C VAZQUE AIBONITO, PR 00705 |
* | $ 62,637,000 | 22 | $ 2,434,000 |
| Cooperativa De Ac Saulo De Rod APTDO 678, #54 CALLE SAN JOSE GURABO, PR 00778 |
* | $ 44,283,000 | 21 | $ 1,652,000 |
| Cooperativa La Sagrada Familia CALLE BOU 38 COROZAL, PR 00783 |
* | $ 40,000,000 | 21 | $ 1,709,000 |
| Cooperativa De A/C Morovena PO BOX 577 MOROVIS, PR 00687 |
* | $ 80,807,158,000 | 20 | $ 1,765,000 |
| Cooperativa De Ac Maunabo BOX 127 MAUNABO, PR 00707 |
* | $ 10,000,000 | 19 | $ 1,219,000 |
| Cooperativa De A/C Aguas Buena PO BOX 5 AGUAS BUENAS, PR 00703 |
* | $ 10,000,000 | 18 | $ 1,989,000 |
| Cooperativa De Ac Jesus Obrero PMB 159 HC 01 BOX 29030 GUAYNABO, PR 00969 |
* | $ 10,000,000 | 17 | $ 1,481,000 |
| Cooperativa De Ac Valenciano PO BOX 1510 JUNCOS, PR 00777 |
* | $ 10,000,000 | 14 | $ 2,695,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,574,093,000,000 | 11 | $ 8,348,000 |
| Caguas Coop AVE JOSE GAUTIER BENITEZ, CARR 1 KM 37.5 CAGUAS, PR 00726 |
* | $ 67,650,000 | 9 | $ 741,000 |
| Cooperativa De Mayaguez PO BOX 416 MAYAGUEZ, PR 00680 |
* | $ 49,000,000 | 8 | $ 1,480,000 |
| Cooperativa A/C Hnos Unidos 229 CALLE DUARTE SAN JUAN, PR 00917 |
* | $ 52,826,000 | 8 | $ 815,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,532,784,000,000 | 8 | $ 92,000 |
| Cooperativa De Ahorro Y Credito De Camuy 300 AVE. BALTAZAR JIMENEZ MENDEZ CAMUY, PR 00627 |
* | $ 10,000,000 | 8 | $ 1,038,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 6 | $ 1,180,000 |
| Puerto Rico Federal Credit Uni RESOLUCION 55 ESQ. AVE ROOSEVELT SAN JUAN, PR 00922 |
* | $ 128,214,000 | 6 | $ 806,000 |
| Cooperativa A/C Cabo Rojo PR 100 KM. 7.0 BO.MIRADERO CABO ROJO, PR 00623 |
* | $ 10,000,000 | 5 | $ 842,000 |
| Banco Popular North America 85 BROAD STREET NEW YORK, NY 10004 |
* | $ 5,503,571,000 | 4 | $ 44,000 |
| Cooperativa De A\C Lares CARR 111 KM 3.8 AVE LOS PATRIOTAS LARES, PR 00669 |
* | $ 119,815,000 | 4 | $ 541,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ 10,000,000 | 3 | $ 301,000 |
| Coop Agustin Burgos CARR 149 KM 58.0 POBLADO TIERRA SANTA VILLALBA, PR 00766 |
* | $ 42,226,000 | 3 | $ 278,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 21,610,491,000 | 3 | $ 474,000 |
| San Rafael Coop CALLE RAFAEL RODR+¡GUEZ, CANAL 1 URB. AVI QUEBRADILLAS, PR 00678 |
* | $ 137,000,000 | 1 | $ 63,000 |
| Coop A/C Padre Mac Donald P O BOX 7022 PONCE, PR 00728 |
* | $ 49,286,000 | 1 | $ 65,000 |
| Cooperativa De A/C De Adjuntas 8 PRIMO DELGADO ST ADJUNTAS,PR 00601 00601, PR 00601 |
* | $ 10,000,000 | 1 | $ 110,000 |
| Cooperativa A/C Caribe Coop. P.O. BOX 560547 GUAYANILLA, PR 00656 |
* | $ 100,068,000 | 1 | $ 105,000 |
| Vapr Federal Credit Union 2400 177 ROAD GUAYNABO, PR 00969 |
* | $ 198,552,000 | 1 | $ 102,000 |
| First Federal Bank 4705 US HWY 90 W LAKE CITY, FL 32055 |
* | $ 972,551,000 | 1 | $ 102,000 |
| Cooperativa De Ahorro Y Credito Del Bo. Quebrada De Camuy HC 02 BOX 7873 CAMUY, PR 00627 |
* | $ 10,000,000 | 1 | $ 140,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 7,342,466,000 | 1 | $ 5,000 |
| Fed Ex Employees Credit Association 2731 NONCONNAH BLVD MEMPHIS, TN 38132 |
* | $ 395,463,000 | 1 | $ 1,000 |
| Credit Union 1 1941 ABBOTT RD ANCHORAGE, AK 99507 |
* | $ 923,562,000 | 1 | $ 10,000 |
The tables below break down 2015 mortgage applications in San Juan-Caguas-Guaynabo, 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 San Juan-Caguas-Guaynabo, 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 Purchase | 15,756 | $2,197,830,000 | $139,000 | $4,605,000 | $56,000 | $9,999,000 |
| Refinancing | 13,149 | $1,788,904,000 | $136,000 | $4,325,000 | $48,000 | $6,233,000 |
| Home Improvement | 12,671 | $225,132,000 | $17,000 | $2,600,000 | $33,000 | $2,512,000 |
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 | 36,677 | $3,536,106,000 | $96,000 | $4,325,000 | $48,000 | $9,999,000 |
| Not applicable | 3,809 | $490,176,000 | $128,000 | $2,700,000 | $9,000 | $2,408,000 |
| White | 775 | $159,461,000 | $205,000 | $4,605,000 | $125,000 | $2,575,000 |
| Not Provided | 229 | $9,516,000 | $41,000 | $416,000 | $48,000 | $2,147,000 |
| Black or African American | 46 | $8,653,000 | $188,000 | $2,660,000 | $85,000 | $600,000 |
| Asian | 32 | $6,730,000 | $210,000 | $997,000 | $111,000 | $442,000 |
| American Indian or Alaskan Native | 4 | $801,000 | $200,000 | $350,000 | $92,000 | $150,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $423,000 | $105,000 | $128,000 | $37,000 | $60,000 |
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) | 23,443 | $1,887,878,000 | $80,000 | $4,605,000 | $59,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 14,213 | $1,783,655,000 | $125,000 | $616,000 | $29,000 | $1,407,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2,117 | $245,308,000 | $115,000 | $281,000 | $28,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 1,803 | $295,025,000 | $163,000 | $569,000 | $42,000 | $286,000 |
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 | 20,167 | $2,160,503,000 | $107,000 | $4,325,000 | $53,000 | $9,999,000 |
| Application Denied By Financial Institution | 11,163 | $771,241,000 | $69,000 | $2,700,000 | $38,000 | $2,105,000 |
| Loan Purchased By The Institution | 4,302 | $543,059,000 | $126,000 | $1,500,000 | $11,000 | $2,408,000 |
| Application Withdrawn By Applicant | 3,304 | $456,330,000 | $138,000 | $4,605,000 | $62,000 | $3,102,000 |
| Application Approved But Not Accepted | 1,395 | $110,170,000 | $78,000 | $2,423,000 | $57,000 | $2,445,000 |
| File Closed For Incompleteness | 1,245 | $170,563,000 | $136,000 | $1,512,000 | $73,000 | $6,233,000 |
| 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 | 906 | $93,647,000 | $103,000 | $750,000 | $44,000 | $1,233,000 |
| Collateral | 537 | $66,550,000 | $123,000 | $1,740,000 | $50,000 | $912,000 |
| Debt-To-Income Ratio | 481 | $60,742,000 | $126,000 | $1,106,000 | $40,000 | $265,000 |
| Other | 384 | $46,448,000 | $120,000 | $765,000 | $49,000 | $516,000 |
| Employment History | 99 | $13,503,000 | $136,000 | $417,000 | $59,000 | $547,000 |
| Credit Application Incomplete | 71 | $8,393,000 | $118,000 | $315,000 | $49,000 | $318,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 63 | $9,190,000 | $145,000 | $1,224,000 | $58,000 | $387,000 |
| Unverifiable Information | 12 | $1,541,000 | $128,000 | $185,000 | $60,000 | $221,000 |
| Mortgage Insurance Denied | 5 | $743,000 | $148,000 | $271,000 | $49,000 | $132,000 |
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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