AGUADILLA - ISABELA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Aguadilla - Isabela averaged
6.77%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.78% and
one month ago for the week of 2025-02-27, the
average rate was 6.69%.
Aguadilla - Isabela's average rate one year ago was 7.02%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.74%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Aguadilla - Isabela 30 Year Fixed Rate | 2025-04-03 | 6.77% |
| Aguadilla - Isabela 30 Year Fixed Rate Refi | 2025-04-03 | 6.74% |
| Aguadilla - Isabela 15 Year Fixed Rate | 2025-04-03 | 5.82% |
| Aguadilla - Isabela 15 Year Fixed Rate Refi | 2025-04-03 | 5.92% |
| Aguadilla - Isabela 30 Year FHA | 2025-04-03 | 5.62% |
| Aguadilla - Isabela 30 Year FHA Refi | 2025-04-03 | 6.06% |
| Aguadilla - Isabela 30 Year USDA | 2025-04-03 | 6.32% |
| Aguadilla - Isabela 30 Year USDA Refi | 2025-04-03 | 6.52% |
| Aguadilla - Isabela 30 Year VA | 2025-04-03 | 5.38% |
| Aguadilla - Isabela 30 Year VA Refi | 2025-04-03 | 6.16% |
AGUADILLA - ISABELA Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the AGUADILLA-ISABELA, PR market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
AGUADILLA - ISABELA Average Closing Costs & Other Stats
AGUADILLA-ISABELA, PR's 26 lenders originated 801
loans during 2024. The total origination value was $146,965,000, with an average loan value of
$183,477.
AGUADILLA - ISABELA's average closing costs are $6,676.
The top AGUADILLA - ISABELA lender as defined by loan originations is Banco Popular de Puerto Rico, with
69 loans originated. Their average total fees are
$6,549, which is $1,621
lower than the next largest lender,
FIRSTBANK PUERTO RICO.
The lowest fee AGUADILLA - ISABELA lenders (with over 10 loans originated) are
COOPERATIVA DE AHORRO Y CREDITO DE LARES ($4,436), Cooperativa de Ahorro y Credito de Rincon ($6,459), Banco Popular de Puerto Rico ($6,549), COOPERATIVA DE AHORRO Y CREDITO DE CAMUY ($7,800) and FIRSTBANK PUERTO RICO ($8,170).
The lowest rate AGUADILLA - ISABELA lenders (with over 10 loans originated) are
COOPERATIVA DE AHORRO Y CREDITO DE ISABELA (6.00%), Cooperativa de Ahorro y Credito de Rincon (6.03%), FIRSTBANK PUERTO RICO (6.19%), COOPERATIVA DE AHORRO Y CREDITO DE CAMUY (6.59%) and CROSSCOUNTRY MORTGAGE, LLC (7.07%).
AGUADILLA-ISABELA, PR Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Banco Popular de Puerto Rico | $19,810,000 | $41,135,000 | 107.6% | 28.0% |
| FIRSTBANK PUERTO RICO | $23,240,000 | $28,715,000 | 23.6% | 19.5% |
| COOPERATIVA DE AHORRO Y CREDITO DE ISABELA | $4,145,000 | $12,050,000 | 190.7% | 8.2% |
| Cooperativa de Ahorro y Credito de Rincon | $17,775,000 | $11,280,000 | -36.5% | 7.7% |
| PENTAGON FEDERAL CREDIT UNION | $5,090,000 | $7,220,000 | 41.8% | 4.9% |
| THE MONEY HOUSE INC. | $2,505,000 | $6,350,000 | 153.5% | 4.3% |
| Oriental Bank | $6,190,000 | $6,185,000 | -0.1% | 4.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $5,415,000 | $5,345,000 | -1.3% | 3.6% |
| COOPERATIVA DE AHORRO Y CREDITO DE CAMUY | $4,105,000 | $2,990,000 | -27.2% | 2.0% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | $1,580,000 | $2,725,000 | 72.5% | 1.9% |
| SUN WEST MORTGAGE COMPANY, INC. | $4,855,000 | $2,370,000 | -51.2% | 1.6% |
| PREFERRED MORTGAGE CORPORATION | $1,530,000 | $1,870,000 | 22.2% | 1.3% |
| METRO ISLAND MORTGAGE, INC. | $3,060,000 | $1,725,000 | -43.6% | 1.2% |
| Cooperativa de Ahoro y Crédito Bo. Quebrada de Camuy, P.R. | $560,000 | $1,705,000 | 204.5% | 1.2% |
| COOPERATIVA DE AHORRO Y CREDITO DE LARES | $2,225,000 | $1,585,000 | -28.8% | 1.1% |
| Capital Mortgage Services Corp. | $1,835,000 | $1,260,000 | -31.3% | 0.9% |
| Baxter Credit Union | $655,000 | $1,135,000 | 73.3% | 0.8% |
| Equity Prime Mortgage LLC | $1,620,000 | $1,025,000 | -36.7% | 0.7% |
| VIG MORTGAGE CORPORATION | $250,000 | $835,000 | 234.0% | 0.6% |
| HR MORTGAGE CORP. | $985,000 | $770,000 | -21.8% | 0.5% |
| MULTIPLES MORTGAGE CORPORATION | $1,840,000 | $715,000 | -61.1% | 0.5% |
| Rf Mortgage & Investment Corp | $195,000 | $665,000 | 241.0% | 0.5% |
| E.M.I. EQUITY MORTGAGE, INC. | $575,000 | $655,000 | 13.9% | 0.4% |
| The Lending Center Corporation | $490,000 | $625,000 | 27.6% | 0.4% |
| Senior Mortgage Bankers Inc | $105,000 | $595,000 | 466.7% | 0.4% |
| CALCON MUTUAL MORTGAGE LLC | $1,715,000 | $570,000 | -66.8% | 0.4% |
| EVERETT FINANCIAL, INC. | $410,000 | $545,000 | 32.9% | 0.4% |
| TRUST MORTGAGE, CORP | $415,000 | $515,000 | 24.1% | 0.4% |
| HOME MORTGAGE BANKERS CORP. | $1,345,000 | $460,000 | -65.8% | 0.3% |
| RM ACTUAL MORTGAGE, INC. | $170,000 | $460,000 | 170.6% | 0.3% |
| BROKER SOLUTIONS, INC. | $420,000 | n/a | 0.3% | |
| COOPERATIVA DE AHORRO Y CREDITO DE MANATI INC. | $380,000 | n/a | 0.3% | |
| COOPERATIVA DE CREDITO LA SAGRADA FAMILIA | $315,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $265,000 | n/a | 0.2% | |
| COOPERATIVA DE AHORRO Y CREDITO VEGA ALTA | $230,000 | n/a | 0.2% | |
| COOPERATIVA DE AHORRO Y CREDITO LA PUERTORRIQUEÑA | $115,000 | $220,000 | 91.3% | 0.1% |
| SAN RAFAEL COOP | $380,000 | $215,000 | -43.4% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $165,000 | n/a | 0.1% | |
| City Lending Inc. | $135,000 | n/a | 0.1% | |
| COOPERATIVA DE AHORRO Y CREDITO DR. MANUEL ZENO GANDIA | $460,000 | $105,000 | -77.2% | 0.1% |
| Flagstar Bank, FSB | $105,000 | n/a | 0.1% | |
| LATIN AMERICAN FINANCIAL CORPORATION | $475,000 | $105,000 | -77.9% | 0.1% |
| Cooperativa A/C Oriental | $285,000 | $45,000 | -84.2% | 0.0% |
AGUADILLA - ISABELA's top lender by overall market share is Banco Popular de Puerto Rico, with 28.0% market share. In second place, with 19.5%, is FIRSTBANK PUERTO RICO, having originated $28,715,000 in loans. In third place, with 8.2%, is COOPERATIVA DE AHORRO Y CREDITO DE ISABELA, having originated $12,050,000 in loans. In fourth place, with 7.7%, is Cooperativa de Ahorro y Credito de Rincon, having originated $11,280,000 in loans. In fifth place, with 4.9%, is PENTAGON FEDERAL CREDIT UNION, having originated $7,220,000 in loans.
AGUADILLA-ISABELA, PR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 608 | $113,810,000 | $187,188 |
| Cash Out Refi | 144 | $25,240,000 | $175,278 |
| Other | 21 | $2,795,000 | $133,095 |
| Home Improvement | 14 | $3,060,000 | $218,571 |
| Refi | 14 | $2,060,000 | $147,143 |
Aguadilla - Isabela's most frequently cited loan purpose was Home Purchase, with 608 originations. The 2nd most popular reason was Cash Out Refi, with 144 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 296 | $53,720,000 | $181,486 |
| 5-6% | 223 | $45,915,000 | $205,897 |
| 7-8% | 121 | $19,255,000 | $159,132 |
| 4-5% | 100 | $20,110,000 | $201,100 |
| Over 8% | 34 | $4,460,000 | $131,176 |
| 3-4% | 8 | $1,630,000 | $203,750 |
During 2024, Aguadilla - Isabela's most frequently originated rate bucket was 6-7%, with 296 originations.
Loan Sizing (AGUADILLA-ISABELA, PR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 327 | $47,045,000 | $143,869 |
| $200k-400k | 240 | $66,840,000 | $278,500 |
| $100,000 or less | 199 | $14,055,000 | $70,628 |
| $400k-600k | 29 | $13,885,000 | $478,793 |
| $600k-1000k | 4 | $2,680,000 | $670,000 |
| $Over $1MM | 2 | $2,460,000 | $1,230,000 |
AGUADILLA - ISABELA's loan sizing saw the bucket of loans from $100k-200k with 327 originations, totaling $47,045,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 355 | $73,855,000 | $208,042 |
| 60-80% | 295 | $50,365,000 | $170,729 |
| 40-60% | 84 | $11,380,000 | $135,476 |
| 20-40% | 30 | $3,810,000 | $127,000 |
| Over 100% | 16 | $5,510,000 | $344,375 |
| Under 20% | 1 | $55,000 | $55,000 |
AGUADILLA - ISABELA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 355 originations, totaling $73,855,000 in origination value.