Yabucoa County
Puerto Rico · FIPS 72151
According to CFPB HMDA 2024 application volume among U.S. counties, Yabucoa County ranks #2,793 of 3,210, and #46 of 78 in Puerto Rico.
Mortgage lending activity in Yabucoa 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. Yabucoa County, Puerto Rico saw 120 HMDA-reported mortgage applications in 2024. Lenders originated 65 of those loans and denied 16, producing a denial rate of 13.3% and an approval (origination) rate of 54.2%. The average loan amount was $94,083 at an average note rate of 6.61%, with applicants self-reporting average annual income of $35K. 22 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 Yabucoa County
In Yabucoa County, lead originator FIRSTBANK funded 13.8% of 65 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 36.9% 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 Yabucoa County's 120 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Yabucoa County's $94,083 average loan (deduped against volume peers).
Lenders active in Yabucoa County
FIRSTBANK funded 9 of the 65 loans originated in Yabucoa County, 13.8% of the county. 22 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | FIRSTBANK | 9 | 13.8% |
| 2 | Hr Mortgage CORP | 8 | 12.3% |
| 3 | Oriental Bank | 7 | 10.8% |
| 4 | The Moneyhouse Inc. | 6 | 9.2% |
| 5 | Sun West Mortgage Company, INC | 4 | 6.2% |
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 Yabucoa 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 Yabucoa 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.