GUAYAMA Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Guayama averaged
6.76%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.61% and
one month ago for the week of 2025-04-17, the
average rate was 6.83%.
Guayama's average rate one year ago was 7.12%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.36%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Guayama 30 Year Fixed Rate | 2025-05-22 | 6.76% |
| Guayama 30 Year Fixed Rate Refi | 2025-05-22 | 7.36% |
| Guayama 15 Year Fixed Rate | 2025-05-22 | 6.01% |
| Guayama 15 Year Fixed Rate Refi | 2025-05-22 | 6.51% |
| Guayama 30 Year FHA | 2025-05-22 | 6.32% |
| Guayama 30 Year FHA Refi | 2025-05-22 | 6.41% |
| Guayama 30 Year USDA | 2025-05-22 | 6.43% |
| Guayama 30 Year USDA Refi | 2025-05-22 | 6.43% |
| Guayama 30 Year VA | 2025-05-22 | 6.72% |
| Guayama 30 Year VA Refi | 2025-05-22 | 6.42% |
GUAYAMA 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 GUAYAMA, 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.).
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Banco Popular de Puerto Rico | 8 | 8.84% | $4,133 |
| Cooperativa de A/C de Maunabo | 8 | 7.02% | $7,948 |
| FIRSTBANK PUERTO RICO | 7 | 6.11% | $6,410 |
| Oriental Bank | 6 | 6.27% | $5,893 |
| THE MONEY HOUSE INC. | 5 | 7.25% | $3,871 |
| PENTAGON FEDERAL CREDIT UNION | 3 | 6.71% | $6,070 |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | 7.13% | $5,299 |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 2 | 7.50% | $7,050 |
| PLANET HOME LENDING, LLC | 1 | 5.50% | $6,965 |
| Cooperativa A/C Oriental | 1 | 6.75% | $11,470 |
| PREFERRED MORTGAGE CORPORATION | 1 | 7.75% | $4,926 |
GUAYAMA Average Closing Costs & Other Stats
GUAYAMA, PR's 11 lenders originated 202
loans during 2024. The total origination value was $20,290,000, with an average loan value of
$100,446.
GUAYAMA's average closing costs are $5,814.
The top GUAYAMA lender as defined by loan originations is Banco Popular de Puerto Rico, with
8 loans originated. Their average total fees are
$4,133, which is $3,815
lower than the next largest lender,
Cooperativa de A/C de Maunabo.
The lowest fee GUAYAMA lenders (with over 10 loans originated) are
.
The lowest rate GUAYAMA lenders (with over 10 loans originated) are
.
GUAYAMA, 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 |
|---|---|---|---|---|
| Oriental Bank | $6,880,000 | $3,440,000 | -50.0% | 17.0% |
| THE MONEY HOUSE INC. | $6,380,000 | $2,760,000 | -56.7% | 13.6% |
| Banco Popular de Puerto Rico | $3,140,000 | $2,455,000 | -21.8% | 12.1% |
| FIRSTBANK PUERTO RICO | $2,175,000 | $2,225,000 | 2.3% | 11.0% |
| Cooperativa de A/C de Maunabo | $1,110,000 | $1,580,000 | 42.3% | 7.8% |
| PREFERRED MORTGAGE CORPORATION | $1,495,000 | $1,300,000 | -13.0% | 6.4% |
| SUN WEST MORTGAGE COMPANY, INC. | $910,000 | $965,000 | 6.0% | 4.8% |
| HR MORTGAGE CORP. | $1,060,000 | $740,000 | -30.2% | 3.6% |
| RM ACTUAL MORTGAGE, INC. | $595,000 | $660,000 | 10.9% | 3.3% |
| VIG MORTGAGE CORPORATION | $360,000 | $490,000 | 36.1% | 2.4% |
| METRO ISLAND MORTGAGE, INC. | $1,270,000 | $470,000 | -63.0% | 2.3% |
| PENTAGON FEDERAL CREDIT UNION | $555,000 | $470,000 | -15.3% | 2.3% |
| TRUST MORTGAGE, CORP | $215,000 | $425,000 | 97.7% | 2.1% |
| E.M.I. EQUITY MORTGAGE, INC. | $245,000 | $420,000 | 71.4% | 2.1% |
| HOME MORTGAGE BANKERS CORP. | $505,000 | $415,000 | -17.8% | 2.0% |
| Cooperativa A/C Oriental | $45,000 | $370,000 | 722.2% | 1.8% |
| Rf Mortgage & Investment Corp | $425,000 | $295,000 | -30.6% | 1.5% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | $555,000 | $255,000 | -54.1% | 1.3% |
| The Lending Center Corporation | $85,000 | $230,000 | 170.6% | 1.1% |
| COOPERATIVA DE AHORRO Y CREDITO LA PUERTORRIQUEÑA | $155,000 | n/a | 0.8% | |
| Equity Prime Mortgage LLC | $75,000 | $85,000 | 13.3% | 0.4% |
| PLANET HOME LENDING, LLC | $85,000 | n/a | 0.4% |
GUAYAMA's top lender by overall market share is Oriental Bank, with 17.0% market share. In second place, with 13.6%, is THE MONEY HOUSE INC., having originated $2,760,000 in loans. In third place, with 12.1%, is Banco Popular de Puerto Rico, having originated $2,455,000 in loans. In fourth place, with 11.0%, is FIRSTBANK PUERTO RICO, having originated $2,225,000 in loans. In fifth place, with 7.8%, is Cooperativa de A/C de Maunabo, having originated $1,580,000 in loans.
GUAYAMA, PR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 172 | $17,130,000 | $99,593 |
| Cash Out Refi | 14 | $1,350,000 | $96,429 |
| Other | 7 | $945,000 | $135,000 |
| Refi | 6 | $510,000 | $85,000 |
| Home Improvement | 3 | $355,000 | $118,333 |
Guayama's most frequently cited loan purpose was Home Purchase, with 172 originations. The 2nd most popular reason was Cash Out Refi, with 14 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 104 | $9,450,000 | $90,865 |
| 5-6% | 56 | $6,490,000 | $115,893 |
| 7-8% | 25 | $2,465,000 | $98,600 |
| 4-5% | 10 | $1,350,000 | $135,000 |
| Over 8% | 7 | $535,000 | $76,429 |
During 2024, Guayama's most frequently originated rate bucket was 6-7%, with 104 originations.
Loan Sizing (GUAYAMA, PR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 123 | $8,585,000 | $69,797 |
| $100k-200k | 73 | $10,115,000 | $138,562 |
| $200k-400k | 6 | $1,590,000 | $265,000 |
GUAYAMA's loan sizing saw the bucket of loans from $100,000 or less with 123 originations, totaling $8,585,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 81 | $10,985,000 | $135,617 |
| 60-80% | 74 | $6,640,000 | $89,730 |
| 40-60% | 37 | $2,245,000 | $60,676 |
| 20-40% | 8 | $260,000 | $32,500 |
| Over 100% | 1 | $115,000 | $115,000 |
GUAYAMA's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 81 originations, totaling $10,985,000 in origination value.