Toa Baja Municipio, PR Mortgage Lenders & HMDA Data, 2022
In 2022, lenders reported 812 mortgage applications in Toa Baja Municipio, PR totaling $97.8 million, down 18% from 2021. The average application was for $120,000, and applicants reported an average income of $55,000. 51% of applications resulted in an originated loan and 15% were denied. The most active lender was Banco Popular, with 141 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 2003 |
| Total Number of Mortgage Applications | 812 |
| Total Mortgage Loan Application Amount | $97,790,000 |
| Average Mortgage Loan Application Amount | $120,000 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $55,000 |
| Highest Applicant Income | $431,000 |
| 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 |
* | $ 64,243,000,000 | 141 | $ 14,465,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 20,778,081,000 | 112 | $ 13,270,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 98 | $ 11,780,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 9,805,742,000 | 64 | $ 8,390,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ -1,000 | 59 | $ 7,735,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 35 | $ 4,035,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 32,520,025,000 | 31 | $ 5,855,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 28 | $ 3,270,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 24 | $ 3,120,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ -1,000 | 24 | $ 2,500,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 23 | $ 2,855,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ -1,000 | 18 | $ 1,920,000 |
| Vegacoop APARTADO 1078 VEGA ALTA, PR 00692 |
* | $ -1,000 | 17 | $ 1,575,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ -1,000 | 16 | $ 2,290,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ -1,000 | 15 | $ 1,585,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ -1,000 | 13 | $ 1,645,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ -1,000 | 13 | $ 1,435,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 11 | $ 1,355,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ -1,000 | 10 | $ 1,160,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ -1,000 | 9 | $ 1,085,000 |
| Coop. De A/C La Puertorrique+¦A AVE. ANA G. MÉNDEZ, 9729 PR-176 KM 1.1 SAN JUAN, PR 00921 |
* | $ -1,000 | 7 | $ 955,000 |
| Coopaca Mortgage PO BOX 1056 ARECIBO, PR 00613 |
* | $ -1,000 | 7 | $ 715,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ -1,000 | 6 | $ 530,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 5 | $ 705,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ -1,000 | 5 | $ 795,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 586,695,000 | 5 | $ 385,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 4 | $ 800,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 400,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 2 | $ 180,000 |
| Cooperativa De Ac Hatillo PO BOX 95 HATILLO, PR 00659 |
* | $ -1,000 | 1 | $ 85,000 |
| Cooperativa De Ac Manati PO BOX 30562 MANATI, PR 00674 |
* | $ -1,000 | 1 | $ 355,000 |
| Cooperativa De A\C Lares CARR 111 KM 3.8 AVE LOS PATRIOTAS LARES, PR 00669 |
* | $ -1,000 | 1 | $ 115,000 |
| Cooperativa De Ac San Jose CALLE DEGETAU 106 SUR AIBONITO, PR 00705 |
* | $ -1,000 | 1 | $ 105,000 |
| Cooperativa La Sagrada Familia CALLE BOU 38 COROZAL, PR 00783 |
* | $ -1,000 | 1 | $ 95,000 |
| Cooperativa De Ac Jesus Obrero PMB 159 HC 01 BOX 29030 GUAYNABO, PR 00969 |
* | $ -1,000 | 1 | $ 75,000 |
| Cooperativa De Ahorro Y Credito Del Bo. Quebrada De Camuy HC 02 BOX 7873 CAMUY, PR 00627 |
* | $ -1,000 | 1 | $ 75,000 |
| Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A PO BOX 1865 ARECIBO, PR 00613 |
* | $ -1,000 | 1 | $ 95,000 |
The tables below break down 2022 mortgage applications in Toa Baja 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 Toa Baja Municipio, PR in 2022
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 | 651 | $81,465,000 | $125,000 | $405,000 | $55,000 | $431,000 |
| Refinancing | 61 | $6,615,000 | $108,000 | $435,000 | $52,000 | $410,000 |
| Cash-out Refinancing | 54 | $6,300,000 | $116,000 | $285,000 | $63,000 | $204,000 |
| Not Applicable | 40 | $2,710,000 | $67,000 | $165,000 | $0 | $0 |
| Other Purpose | 5 | $365,000 | $73,000 | $115,000 | $29,000 | $55,000 |
| Home Improvement | 1 | $335,000 | $335,000 | $335,000 | $79,000 | $79,000 |
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 | 624 | $75,660,000 | $121,000 | $405,000 | $53,000 | $388,000 |
| Not applicable | 151 | $16,525,000 | $109,000 | $345,000 | $0 | $0 |
| White | 24 | $3,510,000 | $146,000 | $435,000 | $79,000 | $410,000 |
| Not Provided | 8 | $1,090,000 | $136,000 | $315,000 | $105,000 | $431,000 |
| Black or African American | 4 | $830,000 | $207,000 | $385,000 | $86,000 | $124,000 |
| Asian | 1 | $175,000 | $175,000 | $175,000 | $40,000 | $40,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 502 | $58,780,000 | $117,000 | $395,000 | $44,000 | $281,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 252 | $29,430,000 | $116,000 | $435,000 | $69,000 | $431,000 |
| VA-guaranteed (Veterans Administration) | 56 | $9,460,000 | $168,000 | $405,000 | $66,000 | $154,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $120,000 | $60,000 | $65,000 | $19,000 | $21,000 |
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 | 415 | $51,205,000 | $123,000 | $405,000 | $55,000 | $431,000 |
| Loan Purchased By The Institution | 151 | $16,525,000 | $109,000 | $345,000 | $0 | $0 |
| Application Denied By Financial Institution | 123 | $14,115,000 | $114,000 | $385,000 | $51,000 | $184,000 |
| Application Withdrawn By Applicant | 88 | $11,900,000 | $135,000 | $435,000 | $58,000 | $235,000 |
| File Closed For Incompleteness | 22 | $2,590,000 | $117,000 | $285,000 | $48,000 | $129,000 |
| Application Approved But Not Accepted | 13 | $1,455,000 | $111,000 | $195,000 | $61,000 | $201,000 |
| 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 | 688 | $83,600,000 | $121,000 | $435,000 | $56,000 | $431,000 |
| Collateral | 54 | $5,840,000 | $108,000 | $285,000 | $46,000 | $129,000 |
| Debt-To-Income Ratio | 25 | $2,755,000 | $110,000 | $175,000 | $43,000 | $119,000 |
| Credit History | 17 | $2,035,000 | $119,000 | $375,000 | $51,000 | $138,000 |
| Other | 8 | $1,090,000 | $136,000 | $385,000 | $71,000 | $176,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $950,000 | $118,000 | $185,000 | $69,000 | $184,000 |
| Employment History | 7 | $1,025,000 | $146,000 | $235,000 | $82,000 | $156,000 |
| Unverifiable Information | 3 | $315,000 | $105,000 | $115,000 | $60,000 | $98,000 |
| Mortgage Insurance Denied | 1 | $95,000 | $95,000 | $95,000 | $47,000 | $47,000 |
| Credit Application Incomplete | 1 | $85,000 | $85,000 | $85,000 | $37,000 | $37,000 |
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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