San Sebastian Municipio, PR Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 191 mortgage applications in San Sebastian Municipio, PR totaling $22.9 million, down 15% from 2022. The average application was for $119,000, and applicants reported an average income of $53,000. 55% of applications resulted in an originated loan and 21% were denied. The most active lender was Firstbank, with 48 applications, followed by Banco Popular and Cooperativa De Ahorroy Credito.
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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 2003 |
| Total Number of Mortgage Applications | 191 |
| Total Mortgage Loan Application Amount | $22,875,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $395,000 |
| Average Applicant Income | $53,000 |
| Highest Applicant Income | $236,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 18,626,645,000 | 48 | $ 5,800,000 |
| Banco Popular PO BOX 362708 SAN JUAN, PR 00936 |
* | $ 56,050,000,000 | 42 | $ 5,420,000 |
| Cooperativa De Ahorroy Credito PO BOX 608 RINCON, PR 00677 |
* | $ -1,000 | 15 | $ 1,705,000 |
| Cooperativa De A\C Lares CARR 111 KM 3.8 AVE LOS PATRIOTAS LARES, PR 00669 |
* | $ -1,000 | 14 | $ 900,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 9,709,667,000 | 13 | $ 1,675,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 11 | $ 1,205,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 8 | $ 1,150,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 6 | $ 930,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 4 | $ 550,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 4 | $ 390,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ -1,000 | 3 | $ 175,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 3 | $ 275,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ -1,000 | 3 | $ 295,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ -1,000 | 3 | $ 545,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ -1,000 | 2 | $ 360,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ -1,000 | 2 | $ 170,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ -1,000 | 2 | $ 160,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ -1,000 | 2 | $ 220,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 1 | $ 395,000 |
| Cooperativa De Ahorro Y Credito Del Bo. Quebrada De Camuy HC 02 BOX 7873 CAMUY, PR 00627 |
* | $ -1,000 | 1 | $ 15,000 |
| A&D Mortgage LLC 899 W. CYPRESS CREEK ROAD FT. LAUDERDALE, FL 33309 |
* | $ -1,000 | 1 | $ 105,000 |
| Cooperativa De A/C Camuy AVE. BALTAZAR JIMÉNEZ MÉNDEZ #300 CAMUY, PR 00627 |
* | $ -1,000 | 1 | $ 105,000 |
| Cooperativa De A/C Isabela 21 CALLE BARBOSA SUITE 1 ISABELA, PR 00662 |
* | $ -1,000 | 1 | $ 125,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 5,751,484,000 | 1 | $ 205,000 |
The tables below break down 2023 mortgage applications in San Sebastian Municipio, PR by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for San Sebastian Municipio, PR in 2023
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 | 164 | $20,410,000 | $124,000 | $395,000 | $55,000 | $236,000 |
| Cash-out Refinancing | 13 | $1,415,000 | $108,000 | $305,000 | $38,000 | $96,000 |
| Refinancing | 7 | $705,000 | $100,000 | $185,000 | $46,000 | $81,000 |
| Other Purpose | 4 | $270,000 | $67,000 | $105,000 | $35,000 | $79,000 |
| Not Applicable | 2 | $20,000 | $10,000 | $15,000 | $0 | $0 |
| Home Improvement | 1 | $55,000 | $55,000 | $55,000 | $32,000 | $32,000 |
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 | 168 | $20,230,000 | $120,000 | $395,000 | $54,000 | $236,000 |
| Not applicable | 17 | $1,935,000 | $113,000 | $265,000 | $0 | $0 |
| Not Provided | 4 | $620,000 | $155,000 | $265,000 | $55,000 | $98,000 |
| White | 2 | $90,000 | $45,000 | $75,000 | $35,000 | $54,000 |
| 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 |
| Black or African American | 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) | 84 | $8,800,000 | $104,000 | $305,000 | $55,000 | $236,000 |
| FHA-insured (Federal Housing Administration) | 62 | $7,940,000 | $128,000 | $275,000 | $50,000 | $230,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 35 | $4,135,000 | $118,000 | $265,000 | $44,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 10 | $2,000,000 | $200,000 | $395,000 | $87,000 | $188,000 |
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 | 105 | $11,805,000 | $112,000 | $305,000 | $49,000 | $236,000 |
| Application Denied By Financial Institution | 40 | $5,320,000 | $133,000 | $275,000 | $58,000 | $194,000 |
| Application Withdrawn By Applicant | 20 | $2,800,000 | $140,000 | $395,000 | $67,000 | $188,000 |
| Loan Purchased By The Institution | 16 | $1,830,000 | $114,000 | $265,000 | $0 | $0 |
| File Closed For Incompleteness | 5 | $605,000 | $121,000 | $165,000 | $62,000 | $153,000 |
| Application Approved But Not Accepted | 5 | $515,000 | $103,000 | $205,000 | $55,000 | $116,000 |
| 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 | 150 | $17,540,000 | $116,000 | $395,000 | $52,000 | $236,000 |
| Collateral | 20 | $3,140,000 | $157,000 | $235,000 | $71,000 | $194,000 |
| Debt-To-Income Ratio | 7 | $745,000 | $106,000 | $275,000 | $42,000 | $129,000 |
| Credit History | 6 | $730,000 | $121,000 | $155,000 | $41,000 | $72,000 |
| Other | 3 | $295,000 | $98,000 | $115,000 | $64,000 | $84,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $180,000 | $90,000 | $95,000 | $31,000 | $43,000 |
| Unverifiable Information | 1 | $85,000 | $85,000 | $85,000 | $33,000 | $33,000 |
| Employment History | 1 | $75,000 | $75,000 | $75,000 | $21,000 | $21,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $66,000 | $66,000 |
| 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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