Vega Baja Municipio, PR Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 401 mortgage applications in Vega Baja Municipio, PR totaling $51.3 million, down 25% from 2022. The average application was for $127,000, and applicants reported an average income of $59,000. 53% of applications resulted in an originated loan and 12% were denied. The most active lender was Banco Popular, with 92 applications, followed by The Moneyhouse Inc. and Firstbank.
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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 | 401 |
| Total Mortgage Loan Application Amount | $51,295,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $705,000 |
| Average Applicant Income | $59,000 |
| Highest Applicant Income | $388,000 |
| 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 |
* | $ 56,050,000,000 | 92 | $ 11,490,000 |
| The Moneyhouse Inc. #52 CALLE PASEO COVANDONGA SAN JUAN, PR 00901 |
* | $ -1,000 | 45 | $ 6,785,000 |
| Firstbank PO BOX 9146 SAN JUAN, PR 00908 |
* | $ 18,626,645,000 | 36 | $ 4,540,000 |
| Oriental Bank PO BOX 195115 SAN JUAN, PR 00919 |
* | $ 9,709,667,000 | 32 | $ 4,070,000 |
| Metro Island Mortgage VILLA NEVAREZ PROF. CENTER SUITE 201 RIO PIEDRAS, PR 00927 |
* | $ -1,000 | 25 | $ 2,925,000 |
| First Equity Mortgage Bankers Inc. 9300 S DADELAND BLVD STE 500 MIAMI, FL 33156 |
* | $ -1,000 | 21 | $ 2,625,000 |
| Actual Mortgage Bankers PO BOX 2808 BAYAMON, PR 00960 |
* | $ -1,000 | 18 | $ 1,870,000 |
| Trust Mortgage Corp. EDIFI EMILIO BACARDI SUITE 101A CALLE JUNIN PARK GARDENS SAN JUAN, PR 00923 |
* | $ -1,000 | 16 | $ 1,590,000 |
| Preferred Mortgage LLC 307 AVE FD ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 13 | $ 1,925,000 |
| Home Mortgage Bankers AVE. SANCHEZ OSORIO 3BS-5 VIA 60 VILLA F CAROLINA, PR 00983 |
* | $ -1,000 | 13 | $ 1,385,000 |
| Vegacoop APARTADO 1078 VEGA ALTA, PR 00692 |
* | $ -1,000 | 12 | $ 1,080,000 |
| Cooperativa De Ac Manati PO BOX 30562 MANATI, PR 00674 |
* | $ -1,000 | 12 | $ 1,260,000 |
| Sun West Mortgage Company, Inc 18000 STUDEBAKER ROAD, SUITE 200 CERRITOS, CA 90703 |
* | $ -1,000 | 11 | $ 1,505,000 |
| Capital Mortgage 206 ELEANOR ROOSEVELT SAN JUAN, PR 00918 |
* | $ -1,000 | 10 | $ 1,140,000 |
| Hr Mortgage Corp M11 CALLE ROBLE, VILLA TURABO CAGUAS, PR 00725 |
* | $ -1,000 | 7 | $ 995,000 |
| Pentagon Federal Credit Union OMAHA, NE 68164 |
* | $ 35,526,360,000 | 7 | $ 715,000 |
| Caribe Federal Credit Union 195 ONEIL ST SAN JUAN, PR 00918 |
* | $ 654,595,000 | 3 | $ 385,000 |
| Vig Mortgage 1225 PONCE DE LEON VIG TOWER SUITE B-J SAN JUAN, PR 00907 |
* | $ -1,000 | 3 | $ 375,000 |
| Senior Mortgage Banker 1239 ROOSEVELT AVE SAN JUAN, PR 00920 |
* | $ -1,000 | 3 | $ 565,000 |
| Latin American Financlal 1700 JESUS T. PINERO AVE 2ND FL STE 26 SAN JUAN, PR 00921 |
* | $ -1,000 | 3 | $ 425,000 |
| Multiples Mortgage Corp. 761 AVE. LUIS MUNOZ RIVERA, SAN JUAN, PR 00918 |
* | $ -1,000 | 2 | $ 170,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 2 | $ 430,000 |
| Equity Prime Mortgage LLC 5 CONCOURSE PKWY, STE 2250 ATLANTA, GA 30328 |
* | $ -1,000 | 2 | $ 570,000 |
| Rf Mortgage & Investment Corp PO BOX 361309 SAN JUAN, PR 00936 |
* | $ -1,000 | 2 | $ 300,000 |
| Emi Equity Mortgage, Inc. 1651 PONCE DE LEON AVE, SUITE 102 SAN JUAN, PR 00909 |
* | $ -1,000 | 2 | $ 220,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 380,000 |
| Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A PO BOX 1865 ARECIBO, PR 00613 |
* | $ -1,000 | 1 | $ 705,000 |
| Coopaca Mortgage PO BOX 1056 ARECIBO, PR 00613 |
* | $ -1,000 | 1 | $ 85,000 |
| Cooperativa De A\C Oriental PO BOX 876 HUMACAO, PR 00791 |
* | $ -1,000 | 1 | $ 45,000 |
| The Lending Center Corporation G-8 ONEILL STREET SAN JUAN, PR 00918 |
* | $ -1,000 | 1 | $ 45,000 |
| Calcon Mutual Mortgage LLC 3131 CAMINO DEL RIO N SUITE 1680 SAN DIEGO, CA 92108 |
* | $ -1,000 | 1 | $ 455,000 |
| Coop. De A/C La Puertorrique+¦A AVE. ANA G. MÉNDEZ, 9729 PR-176 KM 1.1 SAN JUAN, PR 00921 |
* | $ -1,000 | 1 | $ 75,000 |
| Cooperativa De A/C Camuy AVE. BALTAZAR JIMÉNEZ MÉNDEZ #300 CAMUY, PR 00627 |
* | $ -1,000 | 1 | $ 165,000 |
The tables below break down 2023 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 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 | 351 | $46,435,000 | $132,000 | $705,000 | $59,000 | $388,000 |
| Cash-out Refinancing | 26 | $2,940,000 | $113,000 | $235,000 | $62,000 | $139,000 |
| Refinancing | 9 | $825,000 | $91,000 | $105,000 | $43,000 | $90,000 |
| Not Applicable | 8 | $400,000 | $50,000 | $125,000 | $0 | $0 |
| Other Purpose | 7 | $695,000 | $99,000 | $145,000 | $67,000 | $126,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 311 | $39,925,000 | $128,000 | $705,000 | $58,000 | $388,000 |
| Not applicable | 81 | $9,875,000 | $121,000 | $425,000 | $0 | $0 |
| White | 8 | $1,380,000 | $172,000 | $455,000 | $82,000 | $157,000 |
| Not Provided | 1 | $115,000 | $115,000 | $115,000 | $82,000 | $82,000 |
| 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 |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 172 | $22,370,000 | $130,000 | $425,000 | $54,000 | $242,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 117 | $13,865,000 | $118,000 | $705,000 | $68,000 | $388,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 89 | $11,095,000 | $124,000 | $325,000 | $47,000 | $112,000 |
| VA-guaranteed (Veterans Administration) | 23 | $3,965,000 | $172,000 | $435,000 | $66,000 | $163,000 |
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 | 212 | $28,100,000 | $132,000 | $705,000 | $61,000 | $388,000 |
| Loan Purchased By The Institution | 82 | $10,090,000 | $123,000 | $425,000 | $0 | $0 |
| Application Denied By Financial Institution | 50 | $6,380,000 | $127,000 | $295,000 | $55,000 | $362,000 |
| Application Withdrawn By Applicant | 41 | $4,795,000 | $116,000 | $245,000 | $50,000 | $118,000 |
| File Closed For Incompleteness | 10 | $1,200,000 | $120,000 | $265,000 | $56,000 | $116,000 |
| Application Approved But Not Accepted | 6 | $730,000 | $121,000 | $185,000 | $79,000 | $147,000 |
| 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 | 351 | $44,915,000 | $127,000 | $705,000 | $59,000 | $388,000 |
| Collateral | 25 | $3,485,000 | $139,000 | $295,000 | $69,000 | $362,000 |
| Debt-To-Income Ratio | 12 | $1,610,000 | $134,000 | $235,000 | $44,000 | $126,000 |
| Credit History | 4 | $390,000 | $97,000 | $145,000 | $27,000 | $39,000 |
| Other | 3 | $315,000 | $105,000 | $155,000 | $33,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $355,000 | $118,000 | $215,000 | $49,000 | $107,000 |
| Credit Application Incomplete | 2 | $150,000 | $75,000 | $85,000 | $41,000 | $64,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $32,000 | $32,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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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