Guayanilla County
Puerto Rico · FIPS 72059
According to CFPB HMDA 2024 application volume among U.S. counties, Guayanilla County ranks #3,069 of 3,210, and #72 of 78 in Puerto Rico.
Mortgage lending activity in Guayanilla County, Puerto Rico based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Guayanilla County, Puerto Rico saw 41 HMDA-reported mortgage applications in 2024. Lenders originated 18 of those loans and denied 7, producing a denial rate of 17.1% and an approval (origination) rate of 43.9%. The average loan amount was $102,073 at an average note rate of 6.73%, with applicants self-reporting average annual income of $38K. 11 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 2.7x, meaning typical borrowers took on mortgages of about 2.7 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Guayanilla County
In Guayanilla County, lead originator The Moneyhouse Inc. funded 22.2% of 18 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 50.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Guayanilla County's 41 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Guayanilla County's $102,073 average loan (deduped against volume peers).
Lenders active in Guayanilla County
The Moneyhouse Inc. funded 4 of the 18 loans originated in Guayanilla County, 22.2% of the county. 11 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | The Moneyhouse Inc. | 4 | 22.2% |
| 2 | First Equity Mortgage Bankers Inc. | 3 | 16.7% |
| 3 | Sun West Mortgage Company, INC | 2 | 11.1% |
| 4 | Banco Popular | 2 | 11.1% |
| 5 | EMI Equity Mortgage, Inc. | 1 | 5.6% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Guayanilla County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Guayanilla County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.