Maunabo County
Puerto Rico · FIPS 72095
According to CFPB HMDA 2024 application volume among U.S. counties, Maunabo County ranks #3,047 of 3,223, and #70 of 78 in Puerto Rico.
Mortgage lending activity in Maunabo 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. Maunabo County, Puerto Rico lenders denied 8 of the applications reported here, financing the rest at an average note rate of 6.83%, with applicants self-reporting average annual income of $34K. 13 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.1x, meaning typical borrowers took on mortgages of about 3.1 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 Maunabo County
In Maunabo County, lead originator FIRSTBANK funded 16.7% of 24 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 41.7% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Maunabo County's 49 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Maunabo County's $106,224 average loan (deduped against volume peers).
Lenders active in Maunabo County
FIRSTBANK funded 4 of the 24 loans originated in Maunabo County, 16.7% of the county. 13 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | FIRSTBANK | 4 | 16.7% |
| 2 | COOPERATIVA DE Ac MAUNABO | 3 | 12.5% |
| 3 | Oriental Bank | 3 | 12.5% |
| 4 | Banco Popular | 3 | 12.5% |
| 5 | Home Mortgage Bankers | 2 | 8.3% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Maunabo 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 Maunabo 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.