YAUCO Mortgage Rates

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

30 Year Fixed Rate mortgages in Yauco averaged 6.1% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.01% and one month ago for the week of 2022-05-26, the average rate was 5.4%.

Yauco's average rate one year ago was 4.02%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.85%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Yauco 30 Year Fixed Rate 2022-06-30 6.1%
Yauco 30 Year Fixed Rate Refi 2022-06-30 5.85%
Yauco 15 Year Fixed Rate 2022-06-30 2.61%
Yauco 15 Year Fixed Rate Refi 2022-06-30 2.37%
Yauco 30 Year FHA 2022-06-30 5.54%
Yauco 30 Year FHA Refi 2022-06-30 5.58%
Yauco 30 Year USDA 2022-06-30 5.33%
Yauco 30 Year USDA Refi 2022-06-30 5.91%
Yauco 30 Year VA 2022-06-30 5.55%
Yauco 30 Year VA Refi 2022-06-30 5.04%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within YAUCO, PR.

YAUCO 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 YAUCO, 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
Banco Popular de Puerto Rico 7 4.43% $2,746
FIRSTBANK PUERTO RICO 4 3.44% $7,697
Oriental Bank 4 3.00% $4,427
PENTAGON FEDERAL CREDIT UNION 3 2.88% $5,037
METRO ISLAND MORTGAGE, INC. 1 6.50% $3,908
MULTIPLES MORTGAGE CORPORATION 1 5.50% $5,671
SAN RAFAEL COOP 1 4.75% $7,092
SUN WEST MORTGAGE COMPANY, INC. 1 3.00% $2,877
THE MONEY HOUSE INC. 1 3.50% $9,379
CARIBE FEDERAL CREDIT UNION 1 3.13% $3,047
COOPERATIVA DE AHORRO Y CREDITO DE CABO ROJO 1 3.75% $4,003
FIRST EQUITY MORTGAGE BANKERS, INC. 1 2.50% $7,870

YAUCO, PR's 12 lenders originated 227 loans during 2021. The total origination value was $23,375,000, with an average loan value of $102,974.

The top YAUCO lender as defined by loan originations is Banco Popular de Puerto Rico, with 7 loans originated. Their average total fees are $2,746, which is $4,951 lower than the next largest lender, FIRSTBANK PUERTO RICO.

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

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

YAUCO, 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
Banco Popular de Puerto Rico $2,445,000 $3,790,000 55.0% 16.2%
Oriental Bank $1,070,000 $3,430,000 220.6% 14.7%
FIRSTBANK PUERTO RICO $2,640,000 $3,145,000 19.1% 13.5%
SUN WEST MORTGAGE COMPANY, INC. $4,175,000 $2,940,000 -29.6% 12.6%
THE MONEY HOUSE INC. $2,280,000 $1,940,000 -14.9% 8.3%
FIRST EQUITY MORTGAGE BANKERS, INC. $1,070,000 $1,470,000 37.4% 6.3%
METRO ISLAND MORTGAGE, INC. $925,000 $1,275,000 37.8% 5.5%
PREFERRED MORTGAGE CORPORATION $355,000 $855,000 140.8% 3.7%
Senior Mortgage Bankers Inc $770,000 n/a 3.3%
PENTAGON FEDERAL CREDIT UNION $720,000 n/a 3.1%
MULTIPLES MORTGAGE CORPORATION $95,000 $550,000 478.9% 2.4%
TRUST MORTGAGE, CORP $400,000 n/a 1.7%
The Lending Center Corporation $125,000 $290,000 132.0% 1.2%
Cooperativa de Ahorro y Credito de Rincon $350,000 $250,000 -28.6% 1.1%
SAN RAFAEL COOP $90,000 $240,000 166.7% 1.0%
COOPERATIVA DE AHORRO Y CREDITO DE CABO ROJO $200,000 n/a 0.9%
Capital Mortgage Services Corp. $220,000 $190,000 -13.6% 0.8%
Cooperativa A/C de Arecibo $175,000 n/a 0.7%
HOME MORTGAGE BANKERS CORP. $265,000 $165,000 -37.7% 0.7%
E.M.I. EQUITY MORTGAGE, INC. $200,000 $155,000 -22.5% 0.7%
HR MORTGAGE CORP. $140,000 $115,000 -17.9% 0.5%
Baxter Credit Union $105,000 n/a 0.4%
Equity Prime Mortgage LLC $95,000 n/a 0.4%
CARIBE FEDERAL CREDIT UNION $200,000 $65,000 -67.5% 0.3%
RM ACTUAL MORTGAGE, INC. $105,000 $45,000 -57.1% 0.2%

YAUCO's top lender by overall market share is Banco Popular de Puerto Rico, with 16.2% market share. In second place, with 14.7%, is Oriental Bank, having originated $3,430,000 in loans. In third place, with 13.5%, is FIRSTBANK PUERTO RICO, having originated $3,145,000 in loans. In third place, with 12.6%, is SUN WEST MORTGAGE COMPANY, INC., having originated $2,940,000 in loans. In third place, with 8.3%, is THE MONEY HOUSE INC., having originated $1,940,000 in loans.


YAUCO, PR Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 159 $15,495,000 $97,453
Refi 41 $4,905,000 $119,634
Cash Out Refi 26 $2,900,000 $111,538
Home Improvement 1 $75,000 $75,000

Yauco's most frequently cited loan purpose was Home Purchase, with 159 originations. The 2nd most popular reason was Refi, with 41 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 85 $9,555,000 $112,412
3-4% 74 $6,280,000 $84,865
<2.5% 51 $5,855,000 $114,804
4-5% 11 $1,135,000 $103,182
5-6% 4 $420,000 $105,000
6-7% 2 $130,000 $65,000

During 2021, Yauco's most frequently originated rate bucket was 2.5-3%, with 85 originations.

Loan Sizing (YAUCO, PR MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 133 $9,445,000 $71,015
$100k-200k 83 $10,775,000 $129,819
$200k-400k 10 $2,700,000 $270,000
$400k-600k 1 $455,000 $455,000

YAUCO's loan sizing saw the bucket of loans from $100,000 or less with 133 originations, totaling $9,445,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 134 $15,030,000 $112,164
60-80% 56 $6,260,000 $111,786
40-60% 26 $1,100,000 $42,308
20-40% 4 $240,000 $60,000
Over 100% 1 $125,000 $125,000

YAUCO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 134 originations, totaling $15,030,000 in origination value.