Vega Baja Municipio, PR Mortgage Lenders & HMDA Data, 2012
In 2012, lenders reported 1,546 mortgage applications in Vega Baja Municipio, PR totaling $143.1 million, up 3% from 2011. The average application was for $92,000, and applicants reported an average income of $35,000. 45% of applications resulted in an originated loan and 24% were denied. The most active lender was Banco Popular, with 492 applications, followed by Scotiabank De Puerto Rico and Doral Mortgage LLC.
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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 | 1,546 |
| Total Mortgage Loan Application Amount | $143,093,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $320,000 |
| Average Applicant Income | $35,000 |
| Highest Applicant Income | $1,738,000 |
| 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 |
* | $ 27,941,000,000 | 492 | $ 36,028,000 |
| Scotiabank De Puerto Rico 290 JESUS T. PIN++ERO SAN JUAN, PR 00918 |
* | $ 6,740,450,000 | 238 | $ 23,622,000 |
| Doral Mortgage LLC DORAL FINANCIAL PLAZA, 1451 ROOSEVELT AV SAN JUAN, PR 00921 |
* | $ 11,855,073,000 | 132 | $ 16,213,000 |
| Doral Bank 268 PONCE DE LEON SUITE 910 SAN JUAN, PR 00918 |
* | $ 7,241,449,000 | 116 | $ 14,049,000 |
| Banco Santander Puerto Rico P O BOX 362589, SAN JUAN, PR 00936 |
* | $ 6,587,459,000 | 78 | $ 3,885,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 13,111,660,000 | 75 | $ 8,126,000 |
| Firstmortgage PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 9,582,507,000 | 45 | $ 4,915,000 |
| Santander Financial Services P.O. BOX 71504 SAN JUAN, PR 00936 |
* | $ 8,082,156,000 | 32 | $ 1,726,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 6,642,161,000 | 32 | $ 3,158,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ 10,000,000 | 32 | $ 4,152,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ 3,125,000 | 28 | $ 2,412,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ 789,772,000 | 23 | $ 2,039,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ 10,000,000 | 22 | $ 2,340,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ 0 | 21 | $ 1,647,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ 279,615,000 | 19 | $ 2,091,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ 525,000 | 18 | $ 1,554,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ 10,000,000 | 15 | $ 1,559,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ 10,000,000 | 15 | $ 1,514,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ 10,000,000 | 12 | $ 1,247,000 |
| Banco Bilbao Vizcaya Argentari 254 MU?OZ RIVERA AVE., SAN JUAN, PR 00936 |
* | $ 5,016,217,000 | 12 | $ 1,461,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ 10,000,000 | 10 | $ 1,322,000 |
| Vegacoop APARTADO 1078 VEGA ALTA, PR 00692 |
* | $ 262,934,000 | 9 | $ 734,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ 10,000,000 | 9 | $ 804,000 |
| First Security Mortgage, Inc. 97 DE DIEGO AVE. SAN FRANCISCO SAN JUAN, PR 00929 |
* | $ 10,000,000 | 8 | $ 779,000 |
| Generation Mortgage Company 3565 PIEDMONT ROAD, NE STE. 300 ATLANTA, GA 30305 |
* | $ 73,926,000 | 8 | $ 700,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ 10,000,000 | 7 | $ 921,000 |
| Rbs Mortgage Corporation 894-D MUNOZ RIVERA AVE SUITE 106 SAN JUAN, PR 00927 |
* | $ 10,000,000 | 6 | $ 625,000 |
| Aaa Concordia Mortgage Corp RR-37 BOX 1837 SAN JUAN, PR 00926 |
* | $ 10,000,000 | 5 | $ 437,000 |
| Advance Mortgage Bankers, Inc. P.O. BOX 50286 TOA BAJA, PR 00950 |
* | $ 15,555,000 | 4 | $ 469,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ 10,000,000 | 4 | $ 549,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ 10,000,000 | 4 | $ 390,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ 10,000,000 | 3 | $ 507,000 |
| Cooperativa De A/C Arecibo PO BOX 1056 ARECIBO, PR 00613 |
* | $ 10,000,000 | 2 | $ 145,000 |
| Cooperativa De A/C Isabela 21 CALLE BARBOSA SUITE 1 ISABELA, PR 00662 |
* | $ 10,000,000 | 1 | $ 140,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ 155,431,000 | 1 | $ 102,000 |
| Cooperativa De Ac Las Piedras APARTADO 414 LAS PIEDRAS, PR 00771 |
* | $ 10,000,000 | 1 | $ 41,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ 10,000,000 | 1 | $ 70,000 |
| The Mortgage House Inc. 915 ROBERTO SANCHEZ VILELA AVE SAN JUAN, PR 00924 |
* | $ 10,000,000 | 1 | $ 100,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 15,056,671,000 | 1 | $ 166,000 |
| Citimortgage, Inc. 1 COURT SQUARE, 43RD FLOOR LONG ISLAND CITY, NY 11120 |
* | $ 1,019,497,000,000 | 1 | $ 62,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 9,790,194,000 | 1 | $ 74,000 |
| American Airlines Federal Cred 4151 AMON CARTER BLVD FORT WORTH, TX 76155 |
* | $ 5,912,333,000 | 1 | $ 66,000 |
| Baxter Credit Union 340 N MILWAUKEE AVE 340 N MILWAUKEE AVE, IL 60061 |
* | $ 1,580,221,000 | 1 | $ 152,000 |
The tables below break down 2012 mortgage applications in Vega 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 Vega Baja Municipio, PR in 2012
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 | 699 | $79,616,000 | $113,000 | $320,000 | $37,000 | $1,738,000 |
| Home Purchase | 505 | $56,080,000 | $111,000 | $285,000 | $36,000 | $225,000 |
| Home Improvement | 342 | $7,397,000 | $21,000 | $222,000 | $29,000 | $226,000 |
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 | 1,307 | $118,454,000 | $90,000 | $320,000 | $38,000 | $1,738,000 |
| Not applicable | 200 | $23,170,000 | $115,000 | $303,000 | $20,000 | $132,000 |
| Not Provided | 32 | $826,000 | $25,000 | $137,000 | $18,000 | $58,000 |
| White | 5 | $490,000 | $98,000 | $216,000 | $52,000 | $70,000 |
| Asian | 2 | $153,000 | $76,000 | $150,000 | $44,000 | $45,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 831 | $60,225,000 | $72,000 | $320,000 | $44,000 | $1,738,000 |
| FHA-insured (Federal Housing Administration) | 607 | $67,578,000 | $111,000 | $280,000 | $23,000 | $154,000 |
| VA-guaranteed (Veterans Administration) | 55 | $8,678,000 | $157,000 | $273,000 | $39,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 53 | $6,612,000 | $124,000 | $220,000 | $27,000 | $74,000 |
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 | 693 | $66,839,000 | $96,000 | $273,000 | $37,000 | $274,000 |
| Application Denied By Financial Institution | 373 | $25,275,000 | $67,000 | $320,000 | $34,000 | $225,000 |
| Loan Purchased By The Institution | 261 | $28,887,000 | $110,000 | $303,000 | $20,000 | $132,000 |
| Application Withdrawn By Applicant | 109 | $11,978,000 | $109,000 | $280,000 | $45,000 | $257,000 |
| File Closed For Incompleteness | 62 | $6,919,000 | $111,000 | $255,000 | $72,000 | $1,738,000 |
| Application Approved But Not Accepted | 48 | $3,195,000 | $66,000 | $247,000 | $27,000 | $99,000 |
| 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 | 31 | $1,809,000 | $58,000 | $166,000 | $25,000 | $113,000 |
| Debt-To-Income Ratio | 27 | $2,256,000 | $83,000 | $175,000 | $27,000 | $121,000 |
| Collateral | 21 | $2,191,000 | $104,000 | $234,000 | $37,000 | $96,000 |
| Other | 9 | $1,171,000 | $130,000 | $285,000 | $35,000 | $86,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $503,000 | $100,000 | $123,000 | $22,000 | $42,000 |
| Unverifiable Information | 3 | $395,000 | $131,000 | $164,000 | $40,000 | $66,000 |
| Employment History | 2 | $163,000 | $81,000 | $90,000 | $10,000 | $11,000 |
| Credit Application Incomplete | 1 | $46,000 | $46,000 | $46,000 | $0 | $0 |
| 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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