Jayuya Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Jayuya averaged 6.05% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 5.92% and one month ago for the week of 2022-05-19, the average rate was 5.19%.

Jayuya's average rate one year ago was 6.42%.

For refis of the same type during the week of 2022-06-23, the average rate was 6.11%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Jayuya 30 Year Fixed Rate 2022-06-23 6.05%
Jayuya 30 Year Fixed Rate Refi 2022-06-23 6.11%
Jayuya 15 Year Fixed Rate 2022-06-23 4.67%
Jayuya 15 Year Fixed Rate Refi 2022-06-23 3.29%
Jayuya 30 Year FHA 2022-06-23 -0.17%
Jayuya 30 Year FHA Refi 2022-06-23 0.38%
Jayuya 30 Year USDA 2022-06-23 -0.08%
Jayuya 30 Year USDA Refi 2022-06-23 -0.26%
Jayuya 30 Year VA 2022-06-23 5.08%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Jayuya, PR.

Jayuya Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Jayuya, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Baxter Credit Union 1 2.88% $5,340
FIRSTBANK PUERTO RICO 1 3.13% $2,657
METRO ISLAND MORTGAGE, INC. 1 6.25% $5,659

Jayuya, PR's 3 lenders originated 25 loans during 2021. The total origination value was $2,975,000, with an average loan value of $119,000.

The top Jayuya lender as defined by loan originations is Baxter Credit Union, with 1 loans originated. Their average total fees are $5,340, which is $2,683 higher than the next largest lender, FIRSTBANK PUERTO RICO.

The lowest fee Jayuya lenders (with over 10 loans originated) are .

The lowest rate Jayuya lenders (with over 10 loans originated) are .

Jayuya, PR Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
THE MONEY HOUSE INC. $410,000 $585,000 42.7% 19.7%
Banco Popular de Puerto Rico $75,000 $465,000 520.0% 15.6%
FIRSTBANK PUERTO RICO $75,000 $430,000 473.3% 14.5%
HOME MORTGAGE BANKERS CORP. $345,000 n/a 11.6%
Baxter Credit Union $85,000 $300,000 252.9% 10.1%
SUN WEST MORTGAGE COMPANY, INC. $240,000 $240,000 0.0% 8.1%
FIRST EQUITY MORTGAGE BANKERS, INC. $115,000 $190,000 65.2% 6.4%
Oriental Bank $135,000 n/a 4.5%
The Lending Center Corporation $115,000 n/a 3.9%
HR MORTGAGE CORP. $105,000 n/a 3.5%
METRO ISLAND MORTGAGE, INC. $330,000 $65,000 -80.3% 2.2%

Jayuya's top lender by overall market share is THE MONEY HOUSE INC., with 19.7% market share. In second place, with 15.6%, is Banco Popular de Puerto Rico, having originated $465,000 in loans. In third place, with 14.5%, is FIRSTBANK PUERTO RICO, having originated $430,000 in loans. In third place, with 11.6%, is HOME MORTGAGE BANKERS CORP., having originated $345,000 in loans. In third place, with 10.1%, is Baxter Credit Union, having originated $300,000 in loans.


Jayuya, PR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 15 $1,855,000 $123,667
Other 4 $300,000 $75,000
Refi 4 $450,000 $112,500
Cash Out Refi 2 $370,000 $185,000

Jayuya's most frequently cited loan purpose was Home Purchase, with 15 originations. The 2nd most popular reason was Other, with 4 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 11 $1,405,000 $127,727
2.5-3% 8 $990,000 $123,750
<2.5% 5 $515,000 $103,000
6-7% 1 $65,000 $65,000

During 2021, Jayuya's most frequently originated rate bucket was 3-4%, with 11 originations.

Loan Sizing (Jayuya, PR MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 12 $1,490,000 $124,167
$100,000 or less 11 $885,000 $80,455
$200k-400k 2 $600,000 $300,000

Jayuya's loan sizing saw the bucket of loans from $100k-200k with 12 originations, totaling $1,490,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 17 $2,145,000 $126,176
60-80% 6 $700,000 $116,667
20-40% 1 $65,000 $65,000
40-60% 1 $65,000 $65,000

Jayuya's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 17 originations, totaling $2,145,000 in origination value.