PlainLender

Maricao County

Puerto Rico · FIPS 72093

According to CFPB HMDA 2024 application volume among U.S. counties, Maricao County ranks #3,203 of 3,223, and #77 of 78 in Puerto Rico.

Mortgage lending activity in Maricao 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. Maricao County, Puerto Rico lenders denied 3 of the applications reported here, financing the rest at an average note rate of 6.95%, with applicants self-reporting average annual income of $34K. 1 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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.

8
Applications
2
Originated
37.5%
Denial Rate
$131,250
Avg Loan Amount

Lender concentration in Maricao County

Lead lender
Cooperativa de A\C Lares
Top-1 share
100.0%
Top-3 share
100.0%
Book band
Concentrated book

In Maricao County, lead originator Cooperativa de A\C Lares funded 100.0% of 2 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 100.0% of the book, so a handful of names dominate disclosed volume here.

Counties With Similar Application Volume

Nationwide counties nearest to Maricao County's 8 HMDA applications.

Petroleum County
MT · 8 apps · 0.0% denial
Yakutat City and Borough
AK · 8 apps · 37.5% denial
Keya Paha County
NE · 8 apps · 50.0% denial
Aleutians East Borough
AK · 7 apps · 0.0% denial

Counties With a Similar Average Loan

Nationwide counties nearest to Maricao County's $131,250 average loan (deduped against volume peers).

Gray County
TX · $131,341 avg · 17.6% denial
Atkinson County
GA · $131,349 avg · 38.9% denial
Shelby County
IA · $131,139 avg · 10.8% denial
Simpson County
MS · $131,362 avg · 24.2% denial

Lenders active in Maricao County

Cooperativa de A\C Lares funded 2 of the 2 loans originated in Maricao County, 100.0% of the county. 1 lenders reported activity here.

# Lender Originated Market Share
1 Cooperativa de A\C Lares 2 100.0%

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Maricao 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 Maricao 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.