San Juan-Caguas-Guaynabo, PR Metro Area Mortgage Lenders & HMDA Data, 2017
In 2017, lenders reported 29,620 mortgage applications in San Juan-Caguas-Guaynabo, PR metro area totaling $2.7 billion, down 25% from 2016. The average application was for $92,361, and applicants reported an average income of $48,000. 47% of applications resulted in an originated loan and 31% were denied. The most active lender was Banco Popular, with 9,760 applications, followed by Oriental Bank 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 |
| Total Number of Mortgage Applications | 29,620 |
| Total Mortgage Loan Application Amount | $2,735,741,000 |
| Average Mortgage Loan Application Amount | $92,361 |
| Highest Mortgage Loan Application Amount | $5,500,000 |
| Average Applicant Income | $48,000 |
| 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 |
* | $ 29,700,000,000 | 9,760 | $ 817,582,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 6,457,746,000 | 6,345 | $ 252,837,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 11,906,979,000 | 3,358 | $ 486,394,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 4,231,596,000 | 2,603 | $ 257,222,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 740 | $ 85,070,000 |
| Banco Santander Puerto Rico P O BOX 362589, SAN JUAN, PR 00936 |
* | $ 5,339,217,000 | 637 | $ 79,111,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 593 | $ 68,784,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ -1,000 | 581 | $ 66,477,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 482 | $ 74,896,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ -1,000 | 468 | $ 69,417,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ -1,000 | 455 | $ 48,819,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 441 | $ 49,573,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ -1,000 | 420 | $ 55,761,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ -1,000 | 368 | $ 42,171,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 21,301,361,000 | 320 | $ 46,445,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ -1,000 | 286 | $ 31,764,000 |
| First Security Mortgage, Inc. 97 DE DIEGO AVE. SAN FRANCISCO SAN JUAN, PR 00929 |
* | $ -1,000 | 220 | $ 26,176,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 211 | $ 25,527,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ -1,000 | 200 | $ 20,846,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ -1,000 | 147 | $ 16,429,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ -1,000 | 147 | $ 17,336,000 |
| Vegacoop APARTADO 1078 VEGA ALTA, PR 00692 |
* | $ -1,000 | 122 | $ 11,842,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ -1,000 | 108 | $ 13,732,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ -1,000 | 86 | $ 10,067,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ -1,000 | 51 | $ 5,160,000 |
| Express Solution Mortgage Corp 1606 PONCE DE LEON AVE. SUITE L-06 SAN JUAN, PR 00909 |
* | $ -1,000 | 49 | $ 6,940,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 336,222,000 | 45 | $ 5,636,000 |
| Coopaca Mortgage PO BOX 1056 ARECIBO, PR 00613 |
* | $ -1,000 | 43 | $ 5,820,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 2,629,405,000 | 42 | $ 7,214,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ -1,000 | 32 | $ 3,198,000 |
| Cooperativa De Ac Las Piedras APARTADO 414 LAS PIEDRAS, PR 00771 |
* | $ -1,000 | 30 | $ 2,934,000 |
| Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A PO BOX 1865 ARECIBO, PR 00613 |
* | $ -1,000 | 30 | $ 3,626,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 79,775,662,000 | 30 | $ 595,000 |
| Cooperativa De Ac Manati PO BOX 30562 MANATI, PR 00674 |
* | $ -1,000 | 28 | $ 3,293,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 13,265,339,000 | 18 | $ 1,380,000 |
| Cooperativa De A/C Aguas Buena PO BOX 5 AGUAS BUENAS, PR 00703 |
* | $ -1,000 | 14 | $ 1,192,000 |
| Cooperativa De Ac Maunabo BOX 127 MAUNABO, PR 00707 |
* | $ -1,000 | 13 | $ 850,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ -1,000 | 9 | $ 950,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,727,235,000,000 | 9 | $ 74,000 |
| Cooperativa De Ahorro Y Credito De Camuy 300 AVE. BALTAZAR JIMENEZ MENDEZ CAMUY, PR 00627 |
* | $ -1,000 | 9 | $ 868,000 |
| Cooperativa La Sagrada Familia CALLE BOU 38 COROZAL, PR 00783 |
* | $ -1,000 | 8 | $ 785,000 |
| Cooperativa De A\C Aibonite+¦A 100 CALLE JOSE C VAZQUE AIBONITO, PR 00705 |
* | $ -1,000 | 7 | $ 609,000 |
| Banco Popular North America 85 BROAD STREET NEW YORK, NY 10004 |
* | $ 8,629,295,000 | 7 | $ 69,000 |
| First Technology Federal Credit Union HILLSBORO, OR 97124 |
* | $ 9,512,407,000 | 7 | $ 723,000 |
| Cooperativa De Ac Jesus Obrero PMB 159 HC 01 BOX 29030 GUAYNABO, PR 00969 |
* | $ -1,000 | 6 | $ 1,419,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 27,829,056,000 | 5 | $ 484,000 |
| Cooperativa De Ac San Jose CALLE DEGETAU 106 SUR AIBONITO, PR 00705 |
* | $ -1,000 | 5 | $ 601,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 4 | $ 427,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,349,581,000,000 | 3 | $ 29,000 |
| Woodforest National Bank 25231 GROGAN'S MILL ROAD THE WOODLANDS, TX 77380 |
* | $ 4,854,481,000 | 2 | $ 9,000 |
| Wings Financial Credit Union 14985 GLAZIER AVENUE APPLE VALLEY, MN 55124 |
* | $ 4,435,339,000 | 2 | $ 22,000 |
| Cooperativa De Ac Valenciano PO BOX 1510 JUNCOS, PR 00777 |
* | $ -1,000 | 2 | $ 224,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 355,999,734,000 | 2 | $ 54,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,677,490,000,000 | 1 | $ 106,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 140,000 |
| Justice Federal Credit Union 5175 PARKSTONE DRIVE, STE. 200 CHANTILLY, VA 20151 |
* | $ 715,254,000 | 1 | $ 20,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 134,362,217,000 | 1 | $ 3,487,000 |
| First Source Federal Credit Un 4451 COMMERCIAL DRIVE NEW HARTFORD, NY 13413 |
* | $ 474,876,000 | 1 | $ 15,000 |
| Cooperativa A/C Cabo Rojo PR 100 KM. 7.0 BO.MIRADERO CABO ROJO, PR 00623 |
* | $ -1,000 | 1 | $ 234,000 |
| Arbor Realty Trust, Inc. 333 EARLE OVINGTON BLVD., SUITE 900 UNIONDALE, NY 11553 |
* | $ -1,000 | 1 | $ 1,751,000 |
| Unify Financial Federal Credit Union 1899 WESTERN WAY ALLEN, TX 75013 |
* | $ 2,510,616,000 | 1 | $ 141,000 |
| Vapr Federal Credit Union 2400 177 ROAD GUAYNABO, PR 00969 |
* | $ 216,459,000 | 1 | $ 99,000 |
| Family First Funding LLC 215 MAIN STREET, #2A TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 285,000 |
The tables below break down 2017 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 2017
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 | 13,153 | $1,772,060,000 | $134,000 | $5,500,000 | $56,000 | $4,278,000 |
| Home Improvement | 10,755 | $186,257,000 | $17,000 | $3,762,000 | $33,000 | $1,156,000 |
| Refinancing | 5,712 | $777,424,000 | $136,000 | $4,237,000 | $59,000 | $9,999,000 |
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 | 26,183 | $2,265,797,000 | $86,000 | $4,237,000 | $49,000 | $9,999,000 |
| Not applicable | 2,579 | $343,539,000 | $133,000 | $5,500,000 | $13,000 | $2,309,000 |
| White | 416 | $96,653,000 | $232,000 | $5,000,000 | $195,000 | $3,678,000 |
| Not Provided | 379 | $17,651,000 | $46,000 | $720,000 | $44,000 | $641,000 |
| Black or African American | 36 | $7,094,000 | $197,000 | $3,000,000 | $111,000 | $569,000 |
| Asian | 24 | $4,097,000 | $170,000 | $998,000 | $151,000 | $1,200,000 |
| American Indian or Alaskan Native | 3 | $910,000 | $303,000 | $900,000 | $245,000 | $695,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 17,086 | $1,165,115,000 | $68,000 | $5,500,000 | $56,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 8,532 | $1,058,151,000 | $124,000 | $1,751,000 | $38,000 | $683,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2,800 | $322,976,000 | $115,000 | $980,000 | $32,000 | $4,278,000 |
| VA-guaranteed (Veterans Administration) | 1,202 | $189,499,000 | $157,000 | $597,000 | $46,000 | $281,000 |
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 | 13,820 | $1,421,019,000 | $102,000 | $5,500,000 | $57,000 | $9,999,000 |
| Application Denied By Financial Institution | 9,229 | $537,966,000 | $58,000 | $3,100,000 | $38,000 | $2,817,000 |
| Loan Purchased By The Institution | 2,594 | $326,668,000 | $125,000 | $3,762,000 | $12,000 | $465,000 |
| Application Withdrawn By Applicant | 1,955 | $269,198,000 | $137,000 | $1,320,000 | $72,000 | $2,562,000 |
| Application Approved But Not Accepted | 1,255 | $79,480,000 | $63,000 | $1,920,000 | $53,000 | $823,000 |
| File Closed For Incompleteness | 767 | $101,410,000 | $132,000 | $1,124,000 | $70,000 | $1,211,000 |
| 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 | 464 | $46,549,000 | $100,000 | $600,000 | $47,000 | $370,000 |
| Other | 459 | $52,674,000 | $114,000 | $704,000 | $52,000 | $1,151,000 |
| Collateral | 405 | $49,720,000 | $122,000 | $798,000 | $55,000 | $662,000 |
| Debt-To-Income Ratio | 383 | $47,862,000 | $124,000 | $410,000 | $45,000 | $476,000 |
| Employment History | 58 | $6,393,000 | $110,000 | $324,000 | $41,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 47 | $5,131,000 | $109,000 | $268,000 | $37,000 | $84,000 |
| Credit Application Incomplete | 47 | $5,912,000 | $125,000 | $970,000 | $68,000 | $346,000 |
| Unverifiable Information | 46 | $5,466,000 | $118,000 | $280,000 | $47,000 | $189,000 |
| Mortgage Insurance Denied | 6 | $714,000 | $119,000 | $146,000 | $88,000 | $281,000 |
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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