YAUCO Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Yauco averaged
6.74%
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
6.85% and
one month ago for the week of 2025-02-27, the
average rate was 6.86%.
Yauco's average rate one year ago was 6.69%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.54%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Yauco 30 Year Fixed Rate | 2025-04-03 | 6.74% |
| Yauco 30 Year Fixed Rate Refi | 2025-04-03 | 6.54% |
| Yauco 15 Year Fixed Rate | 2025-04-03 | 6.02% |
| Yauco 15 Year Fixed Rate Refi | 2025-04-03 | 6.12% |
| Yauco 30 Year FHA | 2025-04-03 | 6.16% |
| Yauco 30 Year FHA Refi | 2025-04-03 | 6.26% |
| Yauco 30 Year USDA | 2025-04-03 | 6.42% |
| Yauco 30 Year USDA Refi | 2025-04-03 | 6.12% |
| Yauco 30 Year VA | 2025-04-03 | 6.06% |
| Yauco 30 Year VA Refi | 2025-04-03 | 6.06% |
YAUCO 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 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 | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Banco Popular de Puerto Rico | 10 | 7.58% | $6,595 |
| FIRSTBANK PUERTO RICO | 6 | 6.40% | $7,574 |
| Oriental Bank | 3 | 6.17% | $5,116 |
| THE MONEY HOUSE INC. | 3 | 7.63% | $4,473 |
| PENTAGON FEDERAL CREDIT UNION | 2 | 6.13% | $5,931 |
| FIRST EQUITY MORTGAGE BANKERS, INC. | 1 | 6.63% | $8,730 |
| CARIBE FEDERAL CREDIT UNION | 1 | 6.75% | $13,396 |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | 7.63% | $4,620 |
| TRUST MORTGAGE, CORP | 1 | 9.50% | $5,451 |
| Cooperativa A/C de Arecibo | 1 | 5.95% | $6,145 |
YAUCO Average Closing Costs & Other Stats
YAUCO, PR's 10 lenders originated 131
loans during 2024. The total origination value was $19,605,000, with an average loan value of
$149,656.
YAUCO's average closing costs are $5,869.
The top YAUCO lender as defined by loan originations is Banco Popular de Puerto Rico, with
10 loans originated. Their average total fees are
$6,595, which is $980
lower than the next largest lender,
FIRSTBANK PUERTO RICO.
The lowest fee YAUCO lenders (with over 10 loans originated) are
Banco Popular de Puerto Rico ($6,595), .
The lowest rate YAUCO lenders (with over 10 loans originated) are
Banco Popular de Puerto Rico (7.58%), .
YAUCO, 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 | $2,450,000 | $4,555,000 | 85.9% | 23.2% |
| THE MONEY HOUSE INC. | $4,435,000 | $3,080,000 | -30.6% | 15.7% |
| Oriental Bank | $1,235,000 | $1,605,000 | 30.0% | 8.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $2,305,000 | $1,570,000 | -31.9% | 8.0% |
| FIRSTBANK PUERTO RICO | $1,965,000 | $1,335,000 | -32.1% | 6.8% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | $1,400,000 | $760,000 | -45.7% | 3.9% |
| VIG MORTGAGE CORPORATION | $105,000 | $645,000 | 514.3% | 3.3% |
| HR MORTGAGE CORP. | $45,000 | $530,000 | 1,077.8% | 2.7% |
| MULTIPLES MORTGAGE CORPORATION | $65,000 | $350,000 | 438.5% | 1.8% |
| PENTAGON FEDERAL CREDIT UNION | $260,000 | $345,000 | 32.7% | 1.8% |
| CARIBE FEDERAL CREDIT UNION | $340,000 | n/a | 1.7% | |
| PREFERRED MORTGAGE CORPORATION | $85,000 | $270,000 | 217.6% | 1.4% |
| E.M.I. EQUITY MORTGAGE, INC. | $220,000 | n/a | 1.1% | |
| METRO ISLAND MORTGAGE, INC. | $1,005,000 | $195,000 | -80.6% | 1.0% |
| HOME MORTGAGE BANKERS CORP. | $245,000 | $180,000 | -26.5% | 0.9% |
| Cooperativa A/C de Arecibo | $95,000 | $110,000 | 15.8% | 0.6% |
| Senior Mortgage Bankers Inc | $260,000 | $105,000 | -59.6% | 0.5% |
| Capital Mortgage Services Corp. | $95,000 | n/a | 0.5% | |
| TRUST MORTGAGE, CORP | $125,000 | $95,000 | -24.0% | 0.5% |
| SAN RAFAEL COOP | $65,000 | n/a | 0.3% |
YAUCO's top lender by overall market share is Banco Popular de Puerto Rico, with 23.2% market share. In second place, with 15.7%, is THE MONEY HOUSE INC., having originated $3,080,000 in loans. In third place, with 8.2%, is Oriental Bank, having originated $1,605,000 in loans. In fourth place, with 8.0%, is SUN WEST MORTGAGE COMPANY, INC., having originated $1,570,000 in loans. In fifth place, with 6.8%, is FIRSTBANK PUERTO RICO, having originated $1,335,000 in loans.
YAUCO, PR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 118 | $14,650,000 | $124,153 |
| Cash Out Refi | 6 | $1,150,000 | $191,667 |
| Refi | 5 | $3,475,000 | $695,000 |
| Other | 2 | $330,000 | $165,000 |
Yauco's most frequently cited loan purpose was Home Purchase, with 118 originations. The 2nd most popular reason was Cash Out Refi, with 6 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 73 | $9,205,000 | $126,096 |
| 5-6% | 22 | $2,620,000 | $119,091 |
| 7-8% | 15 | $1,215,000 | $81,000 |
| 4-5% | 11 | $1,865,000 | $169,545 |
| Over 8% | 7 | $825,000 | $117,857 |
| 3-4% | 2 | $720,000 | $360,000 |
During 2024, Yauco's most frequently originated rate bucket was 6-7%, with 73 originations.
Loan Sizing (YAUCO, PR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 64 | $4,660,000 | $72,813 |
| $100k-200k | 49 | $6,435,000 | $131,327 |
| $200k-400k | 14 | $3,670,000 | $262,143 |
| $600k-1000k | 2 | $1,240,000 | $620,000 |
| $400k-600k | 1 | $445,000 | $445,000 |
| $Over $1MM | 1 | $3,155,000 | $3,155,000 |
YAUCO's loan sizing saw the bucket of loans from $100,000 or less with 64 originations, totaling $4,660,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 54 | $7,090,000 | $131,296 |
| 80-100% | 54 | $8,010,000 | $148,333 |
| 40-60% | 16 | $870,000 | $54,375 |
| 20-40% | 3 | $135,000 | $45,000 |
| Under 20% | 1 | $125,000 | $125,000 |
YAUCO's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 54 originations, totaling $7,090,000 in origination value.