Guayanilla County
Puerto Rico · FIPS 72059
According to CFPB HMDA 2024 application volume among U.S. counties, Guayanilla County ranks #3,079 of 3,223, 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 lenders denied 7 of the applications reported here, financing the rest 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Guayanilla County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Guayanilla County borrowers. 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.