Villalba Municipio, PR Mortgage Lenders & HMDA Data, 2005
In 2005, lenders reported 619 mortgage applications in Villalba Municipio, PR totaling $35.7 million, up 26% from 2004. The average application was for $57,000, and applicants reported an average income of $36,000. 50% of applications resulted in an originated loan and 24% were denied. The most active lender was Banco Popular De Puerto Rico, with 115 applications, followed by Hf Mortgage Bankers and Doral Mortgage Corp..
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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 | 619 |
| Total Mortgage Loan Application Amount | $35,655,000 |
| Average Mortgage Loan Application Amount | $57,000 |
| Highest Mortgage Loan Application Amount | $860,000 |
| Average Applicant Income | $36,000 |
| Highest Applicant Income | $1,040,000 |
Top Mortgage Lenders in Villalba Municipio, PR (2005)
Ranked by the number of mortgage applications each lender reported in Villalba Municipio, PR in 2005.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Banco Popular De Puerto Rico San Juan, PR |
115 | $2,020,000 | $17,000 | $73,000 |
| 2 | Hf Mortgage Bankers 1451 Roosevelt Ave S.J., PR |
78 | $5,578,000 | $71,000 | $28,000 |
| 3 | Doral Mortgage Corp. San Juan, PR |
67 | $4,438,000 | $66,000 | $34,000 |
| 4 | Doral Bank San Juan, PR |
54 | $4,214,000 | $78,000 | $33,000 |
| 5 | Citibank, N.A. New York, NY |
35 | $705,000 | $20,000 | $25,000 |
| 6 | Banco Santander San Juan, PR |
32 | $1,060,000 | $33,000 | $18,000 |
| 7 | Popular Mortgage, Inc. San Juan, PR |
31 | $2,892,000 | $93,000 | $38,000 |
| 8 | R-G Premier Bank of P.R. Guaynabo, PR |
27 | $1,826,000 | $67,000 | $35,000 |
| 9 | R & G Mortgage Corporation San Juan, PR |
24 | $1,822,000 | $75,000 | $36,000 |
| 10 | Santander Mortgage Corporation San Juan, PR |
17 | $1,397,000 | $82,000 | $44,000 |
The tables below break down 2005 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 2005
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 | 214 | $17,049,000 | $79,000 | $860,000 | $40,000 | $216,000 |
| Home Improvement | 207 | $3,211,000 | $15,000 | $150,000 | $37,000 | $1,040,000 |
| Home Purchase | 198 | $15,395,000 | $77,000 | $285,000 | $31,000 | $348,000 |
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 | 549 | $31,172,000 | $56,000 | $860,000 | $39,000 | $1,040,000 |
| Not applicable | 38 | $2,875,000 | $75,000 | $168,000 | $0 | $0 |
| Not Provided | 27 | $1,296,000 | $48,000 | $150,000 | $34,000 | $96,000 |
| White | 5 | $312,000 | $62,000 | $108,000 | $52,000 | $89,000 |
| 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) | 531 | $28,870,000 | $54,000 | $860,000 | $38,000 | $1,040,000 |
| FHA-insured (Federal Housing Administration) | 72 | $5,359,000 | $74,000 | $149,000 | $25,000 | $62,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 15 | $1,351,000 | $90,000 | $112,000 | $28,000 | $59,000 |
| VA-guaranteed (Veterans Administration) | 1 | $75,000 | $75,000 | $75,000 | $20,000 | $20,000 |
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 | 312 | $18,507,000 | $59,000 | $177,000 | $41,000 | $348,000 |
| Application Denied By Financial Institution | 151 | $6,263,000 | $41,000 | $860,000 | $29,000 | $106,000 |
| Application Withdrawn By Applicant | 69 | $5,626,000 | $81,000 | $285,000 | $41,000 | $216,000 |
| Loan Purchased By The Institution | 43 | $3,188,000 | $74,000 | $168,000 | $12,000 | $74,000 |
| File Closed For Incompleteness | 24 | $1,321,000 | $55,000 | $149,000 | $66,000 | $1,040,000 |
| Application Approved But Not Accepted | 20 | $750,000 | $37,000 | $150,000 | $32,000 | $64,000 |
| 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 | 47 | $2,722,000 | $57,000 | $860,000 | $30,000 | $106,000 |
| Debt-To-Income Ratio | 16 | $755,000 | $47,000 | $97,000 | $26,000 | $56,000 |
| Other | 12 | $328,000 | $27,000 | $79,000 | $26,000 | $80,000 |
| Collateral | 7 | $456,000 | $65,000 | $108,000 | $31,000 | $53,000 |
| Credit Application Incomplete | 3 | $190,000 | $63,000 | $90,000 | $24,000 | $26,000 |
| Employment History | 1 | $31,000 | $31,000 | $31,000 | $11,000 | $11,000 |
| Mortgage Insurance Denied | 1 | $271,000 | $271,000 | $271,000 | $50,000 | $50,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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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