San Juan-Caguas-Guaynabo, PR Metro Area Mortgage Lenders & HMDA Data, 2010
In 2010, lenders reported 61,341 mortgage applications in San Juan-Caguas-Guaynabo, PR metro area totaling $7.3 billion, down 30% from 2009. The average application was for $119,226, and applicants reported an average income of $52,000. 42% of applications resulted in an originated loan and 23% were denied. The most active lender was Popular Mortgage, Inc., with 12,224 applications, followed by Banco Popular De Puerto Rico 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 | 61,341 |
| Total Mortgage Loan Application Amount | $7,313,486,000 |
| Average Mortgage Loan Application Amount | $119,226 |
| Highest Mortgage Loan Application Amount | $4,819,000 |
| Average Applicant Income | $52,000 |
| Highest Applicant Income | $9,999,000 |
Top Mortgage Lenders in San Juan-Caguas-Guaynabo, PR Metro Area (2010)
Ranked by the number of mortgage applications each lender reported in San Juan-Caguas-Guaynabo, PR metro area in 2010.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Popular Mortgage, Inc. San Juan, PR |
12,224 | $1,786,456,000 | $146,000 | $54,000 |
| 2 | Banco Popular De Puerto Rico San Juan, PR |
8,882 | $132,682,000 | $14,000 | $35,000 |
| 3 | Scotiabank De Puerto Rico San Juan, PR |
8,484 | $892,166,000 | $105,000 | $48,000 |
| 4 | Doral Mortgage LLC San Juan, PR |
5,932 | $920,923,000 | $155,000 | $63,000 |
| 5 | Doral Bank San Juan, PR |
3,812 | $555,239,000 | $145,000 | $57,000 |
| 6 | Firstbank Puerto Rico Santurce, PR |
3,211 | $455,618,000 | $141,000 | $59,000 |
| 7 | Oriental Bank San Juan, PR |
2,488 | $351,353,000 | $141,000 | $58,000 |
| 8 | Banco Santander San Juan, PR |
1,984 | $297,204,000 | $149,000 | $89,000 |
| 9 | Firstmortgage San Juan, PR |
1,751 | $275,562,000 | $157,000 | $79,000 |
| 10 | Reliable Financial Services San Juan, PR |
1,571 | $186,897,000 | $118,000 | $55,000 |
See every lender active in San Juan-Caguas-Guaynabo, PR metro area in 2010 »
The tables below break down 2010 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 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 24,666 | $3,652,617,000 | $148,000 | $4,819,000 | $55,000 | $5,408,000 |
| Home Purchase | 22,953 | $3,219,931,000 | $140,000 | $4,650,000 | $56,000 | $9,999,000 |
| Home Improvement | 13,722 | $440,938,000 | $32,000 | $2,024,000 | $38,000 | $2,620,000 |
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 | 51,383 | $5,959,840,000 | $115,000 | $4,817,000 | $53,000 | $9,999,000 |
| Not applicable | 9,080 | $1,247,069,000 | $137,000 | $4,819,000 | $41,000 | $1,759,000 |
| Not Provided | 427 | $19,225,000 | $45,000 | $1,379,000 | $51,000 | $1,144,000 |
| White | 369 | $72,896,000 | $197,000 | $4,317,000 | $105,000 | $1,751,000 |
| Asian | 48 | $10,093,000 | $210,000 | $926,000 | $105,000 | $278,000 |
| Black or African American | 29 | $3,669,000 | $126,000 | $780,000 | $84,000 | $674,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $503,000 | $167,000 | $237,000 | $166,000 | $413,000 |
| American Indian or Alaskan Native | 2 | $191,000 | $95,000 | $188,000 | $119,000 | $200,000 |
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) | 36,110 | $3,839,587,000 | $106,000 | $4,819,000 | $61,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 20,509 | $2,818,181,000 | $137,000 | $620,000 | $39,000 | $863,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2,900 | $348,331,000 | $120,000 | $340,000 | $30,000 | $259,000 |
| VA-guaranteed (Veterans Administration) | 1,822 | $307,387,000 | $168,000 | $545,000 | $51,000 | $623,000 |
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 | 25,908 | $3,185,408,000 | $122,000 | $4,819,000 | $55,000 | $9,999,000 |
| Application Denied By Financial Institution | 13,830 | $1,211,771,000 | $87,000 | $4,817,000 | $44,000 | $5,408,000 |
| Loan Purchased By The Institution | 10,612 | $1,440,187,000 | $135,000 | $1,954,000 | $40,000 | $4,727,000 |
| Application Withdrawn By Applicant | 6,010 | $841,760,000 | $140,000 | $2,400,000 | $63,000 | $3,476,000 |
| File Closed For Incompleteness | 3,006 | $417,287,000 | $138,000 | $2,550,000 | $71,000 | $9,999,000 |
| Application Approved But Not Accepted | 1,975 | $217,073,000 | $109,000 | $3,125,000 | $56,000 | $864,000 |
| 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 | 1,305 | $126,512,000 | $96,000 | $1,200,000 | $43,000 | $718,000 |
| Debt-To-Income Ratio | 832 | $102,625,000 | $123,000 | $976,000 | $44,000 | $999,000 |
| Other | 696 | $114,493,000 | $164,000 | $4,817,000 | $74,000 | $5,408,000 |
| Collateral | 604 | $85,943,000 | $142,000 | $2,460,000 | $61,000 | $998,000 |
| Unverifiable Information | 139 | $14,221,000 | $102,000 | $1,485,000 | $42,000 | $287,000 |
| Employment History | 121 | $15,673,000 | $129,000 | $480,000 | $46,000 | $233,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 94 | $15,529,000 | $165,000 | $1,000,000 | $57,000 | $406,000 |
| Credit Application Incomplete | 69 | $8,534,000 | $123,000 | $615,000 | $46,000 | $295,000 |
| Mortgage Insurance Denied | 4 | $278,000 | $69,000 | $129,000 | $36,000 | $90,000 |
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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