San Juan-Carolina-Caguas, PR Metro Area Mortgage Lenders & HMDA Data, 2021
In 2021, lenders reported 30,460 mortgage applications in San Juan-Carolina-Caguas, PR metro area totaling $5.2 billion, up 3% from 2020. The average application was for $170,565, and applicants reported an average income of $90,998. 53% of applications resulted in an originated loan and 14% were denied. The most active lender was Banco Popular, with 7,445 applications, followed by Firstbank and The Moneyhouse Inc..
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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 | 30,460 |
| Total Mortgage Loan Application Amount | $5,195,410,000 |
| Average Mortgage Loan Application Amount | $170,565 |
| Highest Mortgage Loan Application Amount | $15,565,000 |
| Average Applicant Income | $90,998 |
| Highest Applicant Income | $9,960,000 |
* 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 |
* | $ 41,627,000,000 | 7,445 | $ 1,501,855,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 12,597,360,000 | 3,698 | $ 663,580,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 3,397 | $ 452,285,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 9,253,736,000 | 3,331 | $ 557,185,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ -1,000 | 1,722 | $ 281,900,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 1,097 | $ 203,705,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 1,075 | $ 170,635,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ -1,000 | 864 | $ 107,440,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 24,774,361,000 | 818 | $ 150,790,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 766 | $ 106,730,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 738 | $ 100,990,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 621 | $ 115,395,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ -1,000 | 494 | $ 84,630,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 484 | $ 111,400,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ -1,000 | 479 | $ 65,975,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ -1,000 | 319 | $ 42,215,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ -1,000 | 301 | $ 37,245,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ -1,000 | 274 | $ 42,700,000 |
| Coop. De A/C La Puertorrique+¦A AVE. ANA G. MÉNDEZ, 9729 PR-176 KM 1.1 SAN JUAN, PR 00921 |
* | $ -1,000 | 251 | $ 30,135,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ -1,000 | 245 | $ 35,675,000 |
| Coopaca Mortgage PO BOX 1056 ARECIBO, PR 00613 |
* | $ -1,000 | 180 | $ 20,500,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 169 | $ 56,275,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ -1,000 | 157 | $ 18,505,000 |
| Vegacoop APARTADO 1078 VEGA ALTA, PR 00692 |
* | $ -1,000 | 148 | $ 14,590,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ -1,000 | 145 | $ 18,595,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ -1,000 | 144 | $ 18,950,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 422,363,000 | 118 | $ 15,740,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ -1,000 | 111 | $ 14,205,000 |
| Lendus, LLC 3236 STONE VALLEY ROAD W ALAMO, CA 94507 |
* | $ -1,000 | 107 | $ 46,225,000 |
| Cooperativa La Sagrada Familia CALLE BOU 38 COROZAL, PR 00783 |
* | $ -1,000 | 87 | $ 9,255,000 |
| Cooperativa De Ac Jesus Obrero PMB 159 HC 01 BOX 29030 GUAYNABO, PR 00969 |
* | $ -1,000 | 85 | $ 8,275,000 |
| Cooperativa De Ac Las Piedras APARTADO 414 LAS PIEDRAS, PR 00771 |
* | $ -1,000 | 74 | $ 8,720,000 |
| Cooperativa De A\C Roosvelt R 88PM+5QQ, FAJARDO FAJARDO, PR 00738 |
* | $ -1,000 | 54 | $ 4,060,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 47 | $ 11,535,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 3,921,403,000 | 44 | $ 8,880,000 |
| Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A PO BOX 1865 ARECIBO, PR 00613 |
* | $ -1,000 | 35 | $ 3,175,000 |
| Cooperativa De Ac Manati PO BOX 30562 MANATI, PR 00674 |
* | $ -1,000 | 34 | $ 4,790,000 |
| Data Mortgage, Inc OCALA, FL 34475 |
* | $ -1,000 | 33 | $ 3,905,000 |
| Cooperativa De Ac San Jose CALLE DEGETAU 106 SUR AIBONITO, PR 00705 |
* | $ -1,000 | 30 | $ 3,940,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 29 | $ 7,115,000 |
| Cooperativa De A/C Camuy AVE. BALTAZAR JIMÉNEZ MÉNDEZ #300 CAMUY, PR 00627 |
* | $ -1,000 | 28 | $ 3,750,000 |
| Caguas Coop AVE JOSE GAUTIER BENITEZ, CARR 1 KM 37.5 CAGUAS, PR 00726 |
* | $ -1,000 | 24 | $ 2,420,000 |
| Cooperativa De A/C Aguas Buena PO BOX 5 AGUAS BUENAS, PR 00703 |
* | $ -1,000 | 20 | $ 1,740,000 |
| Cooperativa De Ac Maunabo BOX 127 MAUNABO, PR 00707 |
* | $ -1,000 | 19 | $ 2,005,000 |
| Cooperativa De Ac Valenciano PO BOX 1510 JUNCOS, PR 00777 |
* | $ -1,000 | 19 | $ 2,075,000 |
| Cooperativa Ahorro Y Credito Aguadilla APARTADO 541 AGUADILLA, PR 00605 |
* | $ -1,000 | 18 | $ 3,540,000 |
| Cooperativa De A\C Aibonite+¦A 100 CALLE JOSE C VAZQUE AIBONITO, PR 00705 |
* | $ -1,000 | 15 | $ 1,725,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ -1,000 | 10 | $ 1,750,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 22,986,309,000 | 9 | $ 945,000 |
| Cooperativa A/C Cabo Rojo PR 100 KM. 7.0 BO.MIRADERO CABO ROJO, PR 00623 |
* | $ -1,000 | 7 | $ 1,355,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 5 | $ 945,000 |
| San Rafael Coop CALLE RAFAEL RODR+¡GUEZ, CANAL 1 URB. AVI QUEBRADILLAS, PR 00678 |
* | $ -1,000 | 5 | $ 445,000 |
| Cooperativa De Ac Santa Isabel P.O. BOX 812 SANTA ISABEL, PR 00757 |
* | $ -1,000 | 5 | $ 695,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,747,398,000,000 | 4 | $ 2,380,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 3 | $ 505,000 |
| Cooperativa De A\C Lares CARR 111 KM 3.8 AVE LOS PATRIOTAS LARES, PR 00669 |
* | $ -1,000 | 3 | $ 195,000 |
| Cooperativa De A/C Isabela 21 CALLE BARBOSA SUITE 1 ISABELA, PR 00662 |
* | $ -1,000 | 2 | $ 310,000 |
| Lendingone LLC 901 YAMATO RD #150 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 490,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 45,000 |
| BNC National Bank BISMARCK, ND 58501 |
* | $ 965,305,000 | 1 | $ 15,000 |
| Cooperativa De Ahorro Y Credito Del Bo. Quebrada De Camuy HC 02 BOX 7873 CAMUY, PR 00627 |
* | $ -1,000 | 1 | $ 65,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 35,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 370,002,264,000 | 1 | $ 255,000 |
| Summit Community Bank, Inc PO BOX 680; 310 NORTH MAIN STREET MOOREFIELD, WV 26836 |
* | $ 2,401,941,000 | 1 | $ 4,005,000 |
| United Fidelity Bank, FSB PO BOX 1347 EVANSVILLE, IN 47706 |
* | $ 968,809,000 | 1 | $ 415,000 |
| First Western Trust Bank 1900 16TH STREET SUITE #500 DENVER, CO 80202 |
* | $ 1,241,291,000 | 1 | $ 3,155,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ -1,000 | 1 | $ 55,000 |
| Cooperativa De Ahorro Y Credito De Aguada P.O. BOX 543 AGUADA, PR 00602 |
* | $ -1,000 | 1 | $ 125,000 |
| Cooperativa De Ac San Jose CALLE DEGETAU 106 SUR AIBONITO, PR 00705 |
* | $ -1,000 | 1 | $ 205,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 456,025,829,000 | 1 | $ 65,000 |
The tables below break down 2021 mortgage applications in San Juan-Carolina-Caguas, 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-Carolina-Caguas, PR in 2021
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 | 19,603 | $3,269,855,000 | $166,000 | $11,505,000 | $84,000 | $9,960,000 |
| Refinancing | 5,721 | $966,055,000 | $168,000 | $15,565,000 | $90,000 | $4,945,000 |
| Cash-out Refinancing | 3,500 | $695,740,000 | $198,000 | $5,645,000 | $118,000 | $7,263,000 |
| Not Applicable | 1,252 | $159,980,000 | $127,000 | $455,000 | $92,000 | $189,000 |
| Other Purpose | 284 | $70,050,000 | $246,000 | $9,505,000 | $167,000 | $7,418,000 |
| Home Improvement | 100 | $33,730,000 | $337,000 | $11,705,000 | $229,000 | $6,300,000 |
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 | 23,390 | $3,716,240,000 | $158,000 | $6,345,000 | $77,000 | $3,870,000 |
| Not applicable | 5,323 | $807,005,000 | $151,000 | $15,565,000 | $0 | $0 |
| White | 1,116 | $469,820,000 | $420,000 | $9,505,000 | $299,000 | $9,960,000 |
| Not Provided | 396 | $145,070,000 | $366,000 | $8,005,000 | $256,000 | $6,150,000 |
| Black or African American | 167 | $33,225,000 | $198,000 | $5,005,000 | $132,000 | $6,552,000 |
| Asian | 47 | $16,815,000 | $357,000 | $2,455,000 | $458,000 | $4,945,000 |
| American Indian or Alaskan Native | 7 | $1,885,000 | $269,000 | $545,000 | $134,000 | $288,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $55,000 | $55,000 | $55,000 | $24,000 | $24,000 |
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) | 13,442 | $2,804,690,000 | $208,000 | $15,565,000 | $131,000 | $9,960,000 |
| FHA-insured (Federal Housing Administration) | 11,175 | $1,568,685,000 | $140,000 | $755,000 | $50,000 | $3,070,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4,303 | $527,335,000 | $122,000 | $415,000 | $38,000 | $118,000 |
| VA-guaranteed (Veterans Administration) | 1,540 | $294,700,000 | $191,000 | $1,555,000 | $78,000 | $2,755,000 |
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 | 15,996 | $2,815,140,000 | $175,000 | $15,565,000 | $89,000 | $7,418,000 |
| Loan Purchased By The Institution | 5,313 | $751,575,000 | $141,000 | $4,005,000 | $0 | $0 |
| Application Denied By Financial Institution | 4,285 | $714,255,000 | $166,000 | $11,505,000 | $77,000 | $6,552,000 |
| Application Withdrawn By Applicant | 2,765 | $547,315,000 | $197,000 | $8,005,000 | $114,000 | $6,150,000 |
| File Closed For Incompleteness | 1,411 | $242,945,000 | $172,000 | $3,675,000 | $103,000 | $9,960,000 |
| Application Approved But Not Accepted | 685 | $123,155,000 | $179,000 | $2,505,000 | $102,000 | $1,571,000 |
| Preapproval Denied by Financial Institution | 5 | $1,025,000 | $205,000 | $475,000 | $49,000 | $86,000 |
| Preapproval Approved but not Accepted | 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 | 26,169 | $4,480,065,000 | $171,000 | $15,565,000 | $94,000 | $9,960,000 |
| Collateral | 2,086 | $347,620,000 | $166,000 | $5,005,000 | $81,000 | $3,426,000 |
| Debt-To-Income Ratio | 885 | $154,755,000 | $174,000 | $9,505,000 | $55,000 | $837,000 |
| Credit History | 479 | $67,645,000 | $141,000 | $545,000 | $68,000 | $738,000 |
| Other | 327 | $63,575,000 | $194,000 | $11,505,000 | $121,000 | $6,552,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 157 | $23,095,000 | $147,000 | $1,795,000 | $67,000 | $1,277,000 |
| Employment History | 135 | $22,055,000 | $163,000 | $1,305,000 | $65,000 | $582,000 |
| Unverifiable Information | 131 | $21,365,000 | $163,000 | $555,000 | $78,000 | $855,000 |
| Credit Application Incomplete | 67 | $11,685,000 | $174,000 | $1,295,000 | $110,000 | $1,648,000 |
| Mortgage Insurance Denied | 24 | $3,550,000 | $147,000 | $305,000 | $99,000 | $250,000 |
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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