Villalba Municipio, PR Mortgage Lenders & HMDA Data, 2025
In 2025, lenders reported 43 mortgage applications in Villalba Municipio, PR totaling $5.1 million, up 34% from 2024. The average application was for $119,000, and applicants reported an average income of $64,000. 51% of applications resulted in an originated loan and 23% were denied. The most active lender was Banco Popular, with 11 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 | 43 |
| Total Mortgage Loan Application Amount | $5,135,000 |
| Average Mortgage Loan Application Amount | $119,000 |
| Highest Mortgage Loan Application Amount | $265,000 |
| Average Applicant Income | $64,000 |
| Highest Applicant Income | $253,000 |
Top Mortgage Lenders in Villalba Municipio, PR (2025)
Ranked by the number of mortgage applications each lender reported in Villalba Municipio, PR in 2025.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Banco Popular San Juan, PR |
11 | $1,155,000 | $105,000 | $74,000 |
| 2 | Firstbank San Juan, PR |
7 | $835,000 | $119,000 | $39,000 |
| 3 | The Moneyhouse Inc. San Juan, PR |
5 | $605,000 | $121,000 | $57,000 |
| 4 | Hr Mortgage Corp Caguas, PR |
4 | $410,000 | $102,000 | $19,000 |
| 5 | First Equity Mortgage Bankers Inc. Miami, FL |
3 | $555,000 | $185,000 | $124,000 |
| 6 | Multiples Mortgage Corp. San Juan, PR |
2 | $330,000 | $165,000 | $77,000 |
| 7 | Vig Mortgage San Juan, PR |
2 | $200,000 | $100,000 | $50,000 |
| 8 | Preferred Mortgage LLC San Juan, PR |
1 | $75,000 | $75,000 | $48,000 |
| 9 | Calcon Mutual Mortgage LLC San Diego, CA |
1 | $215,000 | $215,000 | $101,000 |
| 10 | Oriental Bank San Juan, PR |
1 | $35,000 | $35,000 | $29,000 |
The tables below break down 2025 mortgage applications in Villalba 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 Villalba Municipio, PR in 2025
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 | 30 | $3,760,000 | $125,000 | $245,000 | $64,000 | $253,000 |
| Cash-out Refinancing | 6 | $680,000 | $113,000 | $175,000 | $70,000 | $119,000 |
| Not Applicable | 4 | $220,000 | $55,000 | $95,000 | $0 | $0 |
| Other Purpose | 2 | $410,000 | $205,000 | $265,000 | $44,000 | $44,000 |
| Home Improvement | 1 | $65,000 | $65,000 | $65,000 | $68,000 | $68,000 |
| Refinancing | 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 | 37 | $4,705,000 | $127,000 | $265,000 | $65,000 | $253,000 |
| Not applicable | 5 | $295,000 | $59,000 | $95,000 | $0 | $0 |
| White | 1 | $135,000 | $135,000 | $135,000 | $51,000 | $51,000 |
| Not Provided | 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 |
| 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) | 23 | $2,635,000 | $114,000 | $265,000 | $57,000 | $191,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 13 | $1,645,000 | $126,000 | $245,000 | $81,000 | $253,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $435,000 | $87,000 | $215,000 | $39,000 | $64,000 |
| VA-guaranteed (Veterans Administration) | 2 | $420,000 | $210,000 | $215,000 | $64,000 | $101,000 |
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 | 22 | $2,740,000 | $124,000 | $245,000 | $67,000 | $253,000 |
| Application Denied By Financial Institution | 10 | $1,390,000 | $139,000 | $265,000 | $61,000 | $191,000 |
| Loan Purchased By The Institution | 5 | $295,000 | $59,000 | $95,000 | $0 | $0 |
| Application Withdrawn By Applicant | 4 | $490,000 | $122,000 | $165,000 | $48,000 | $64,000 |
| File Closed For Incompleteness | 2 | $220,000 | $110,000 | $135,000 | $77,000 | $119,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 33 | $3,745,000 | $113,000 | $245,000 | $65,000 | $253,000 |
| Collateral | 4 | $560,000 | $140,000 | $215,000 | $46,000 | $64,000 |
| Debt-To-Income Ratio | 2 | $230,000 | $115,000 | $145,000 | $56,000 | $69,000 |
| Unverifiable Information | 2 | $460,000 | $230,000 | $265,000 | $117,000 | $191,000 |
| Credit Application Incomplete | 1 | $75,000 | $75,000 | $75,000 | $17,000 | $17,000 |
| Credit History | 1 | $65,000 | $65,000 | $65,000 | $68,000 | $68,000 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $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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