Top Mortgage Lenders in Puerto Rico (2025)
In 2025, 63 lenders made 14,257 home loans worth $2.9 billion in Puerto Rico, according to Home Mortgage Disclosure Act (HMDA) data. The five largest made 52.6% of them. Banco Popular made the most. Below: the top 25 lenders overall, then the top lenders for each kind of loan.
The 25 largest mortgage lenders in Puerto Rico, 2025
Ranked by the number of home loans each lender made (originated) in Puerto Rico in 2025, wherever the lender is based.
| # | Lender | Loans made | Loan volume | Avg. loan | Market share | Denial rate |
|---|---|---|---|---|---|---|
| 1 | Banco Popular San Juan, PR | 2,399 | $640.0M | $267,000 | 16.8% | 23.8% |
| 2 | Firstbank San Juan, PR | 1,997 | $418.8M | $210,000 | 14.0% | 25.4% |
| 3 | The Moneyhouse Inc. San Juan, PR | 1,249 | $198.7M | $159,000 | 8.8% | 12.2% |
| 4 | Oriental Bank San Juan, PR | 928 | $191.4M | $206,000 | 6.5% | 26.4% |
| 5 | First Equity Mortgage Bankers Inc. Miami, FL | 922 | $179.2M | $194,000 | 6.5% | 22.5% |
| 6 | Metro Island Mortgage Rio Piedras, PR | 585 | $101.6M | $174,000 | 4.1% | 0.2% |
| 7 | Preferred Mortgage LLC San Juan, PR | 535 | $91.1M | $170,000 | 3.8% | 13.2% |
| 8 | Hr Mortgage Corp Caguas, PR | 519 | $68.6M | $132,000 | 3.6% | 21.8% |
| 9 | Home Mortgage Bankers Carolina, PR | 493 | $73.6M | $149,000 | 3.5% | 0.4% |
| 10 | Trust Mortgage Corp. San Juan, PR | 419 | $63.5M | $151,000 | 2.9% | 9.7% |
| 11 | Actual Mortgage Bankers Bayamon, PR | 301 | $44.4M | $148,000 | 2.1% | 15.9% |
| 12 | Rf Mortgage & Investment Corp San Juan, PR | 291 | $57.3M | $197,000 | 2.0% | 9.0% |
| 13 | Sun West Mortgage Company, Inc Cerritos, CA | 289 | $61.9M | $214,000 | 2.0% | 11.2% |
| 14 | Cooperativa De Ahorroy Credito Rincon, PR | 272 | $44.6M | $164,000 | 1.9% | 7.0% |
| 15 | Emi Equity Mortgage, Inc. San Juan, PR | 236 | $41.3M | $175,000 | 1.7% | 0.8% |
| 16 | Pentagon Federal Credit Union Omaha, NE | 229 | $60.2M | $263,000 | 1.6% | 49.3% |
| 17 | Vig Mortgage San Juan, PR | 215 | $36.0M | $168,000 | 1.5% | 14.2% |
| 18 | New American Funding, Llc. Tustin, CA | 199 | $50.3M | $253,000 | 1.4% | 14.6% |
| 19 | Multiples Mortgage Corp. San Juan, PR | 185 | $27.8M | $150,000 | 1.3% | 11.7% |
| 20 | Cooperativa De A/C Camuy Camuy, PR | 174 | $31.1M | $179,000 | 1.2% | 7.9% |
| 21 | Capital Mortgage San Juan, PR | 148 | $38.2M | $258,000 | 1.0% | 11.4% |
| 22 | Senior Mortgage Banker San Juan, PR | 143 | $27.4M | $191,000 | 1.0% | 19.2% |
| 23 | Coop. De A/C La Puertorrique+¦A San Juan, PR | 121 | $17.8M | $147,000 | 0.8% | 8.3% |
| 24 | Cooperativa La Sagrada Familia Corozal, PR | 104 | $14.8M | $143,000 | 0.7% | 3.7% |
| 25 | Cooperativa De Ac Manati Manati, PR | 100 | $13.3M | $133,000 | 0.7% | 9.1% |
Top Home Purchase Lenders in Puerto Rico
61 lenders made 12,018 home purchase loans worth $2.3 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Banco Popular San Juan, PR | 1,887 | 15.7% |
| 2 | Firstbank San Juan, PR | 1,715 | 14.3% |
| 3 | The Moneyhouse Inc. San Juan, PR | 1,193 | 9.9% |
| 4 | First Equity Mortgage Bankers Inc. Miami, FL | 856 | 7.1% |
| 5 | Oriental Bank San Juan, PR | 773 | 6.4% |
| 6 | Metro Island Mortgage Rio Piedras, PR | 547 | 4.6% |
| 7 | Preferred Mortgage LLC San Juan, PR | 512 | 4.3% |
| 8 | Hr Mortgage Corp Caguas, PR | 495 | 4.1% |
| 9 | Home Mortgage Bankers Carolina, PR | 463 | 3.9% |
| 10 | Trust Mortgage Corp. San Juan, PR | 419 | 3.5% |
Top Refinance Lenders in Puerto Rico
42 lenders made 333 refinance loans worth $98.2 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Cooperativa De A/C Camuy Camuy, PR | 53 | 15.9% |
| 2 | Banco Popular San Juan, PR | 42 | 12.6% |
| 3 | Emi Equity Mortgage, Inc. San Juan, PR | 28 | 8.4% |
| 4 | Firstbank San Juan, PR | 28 | 8.4% |
| 5 | The Moneyhouse Inc. San Juan, PR | 24 | 7.2% |
| 6 | Metro Island Mortgage Rio Piedras, PR | 16 | 4.8% |
| 7 | Coopaca Mortgage Arecibo, PR | 15 | 4.5% |
| 8 | Oriental Bank San Juan, PR | 14 | 4.2% |
| 9 | Pentagon Federal Credit Union Omaha, NE | 13 | 3.9% |
| 10 | Vegacoop Vega Alta, PR | 12 | 3.6% |
Top Cash-Out Refinance Lenders in Puerto Rico
53 lenders made 1,453 cash-out refinance loans worth $308.3 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Banco Popular San Juan, PR | 285 | 19.6% |
| 2 | Firstbank San Juan, PR | 141 | 9.7% |
| 3 | Oriental Bank San Juan, PR | 104 | 7.2% |
| 4 | Cooperativa De Ahorroy Credito Rincon, PR | 97 | 6.7% |
| 5 | Senior Mortgage Banker San Juan, PR | 74 | 5.1% |
| 6 | Cooperativa De A/C Isabela Isabela, PR | 66 | 4.5% |
| 7 | First Equity Mortgage Bankers Inc. Miami, FL | 63 | 4.3% |
| 8 | Pentagon Federal Credit Union Omaha, NE | 46 | 3.2% |
| 9 | Sun West Mortgage Company, Inc Cerritos, CA | 38 | 2.6% |
| 10 | Caribe Federal Credit Union San Juan, PR | 38 | 2.6% |
Top FHA Lenders in Puerto Rico
33 lenders made 6,286 FHA loans worth $1.1 billion in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Banco Popular San Juan, PR | 883 | 14.0% |
| 2 | The Moneyhouse Inc. San Juan, PR | 797 | 12.7% |
| 3 | Firstbank San Juan, PR | 621 | 9.9% |
| 4 | First Equity Mortgage Bankers Inc. Miami, FL | 496 | 7.9% |
| 5 | Oriental Bank San Juan, PR | 467 | 7.4% |
| 6 | Metro Island Mortgage Rio Piedras, PR | 460 | 7.3% |
| 7 | Preferred Mortgage LLC San Juan, PR | 382 | 6.1% |
| 8 | Home Mortgage Bankers Carolina, PR | 360 | 5.7% |
| 9 | Trust Mortgage Corp. San Juan, PR | 297 | 4.7% |
| 10 | Emi Equity Mortgage, Inc. San Juan, PR | 200 | 3.2% |
Top VA Lenders in Puerto Rico
30 lenders made 903 VA loans worth $232.0 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Banco Popular San Juan, PR | 187 | 20.7% |
| 2 | Pentagon Federal Credit Union Omaha, NE | 114 | 12.6% |
| 3 | Firstbank San Juan, PR | 98 | 10.9% |
| 4 | First Equity Mortgage Bankers Inc. Miami, FL | 86 | 9.5% |
| 5 | The Moneyhouse Inc. San Juan, PR | 81 | 9.0% |
| 6 | Preferred Mortgage LLC San Juan, PR | 66 | 7.3% |
| 7 | Oriental Bank San Juan, PR | 56 | 6.2% |
| 8 | Metro Island Mortgage Rio Piedras, PR | 29 | 3.2% |
| 9 | Actual Mortgage Bankers Bayamon, PR | 24 | 2.7% |
| 10 | Trust Mortgage Corp. San Juan, PR | 23 | 2.5% |
Top USDA Lenders in Puerto Rico
29 lenders made 1,242 USDA loans worth $178.7 million in 2025. Nationwide ranking
| # | Lender | Loans made | Market share |
|---|---|---|---|
| 1 | Hr Mortgage Corp Caguas, PR | 233 | 18.8% |
| 2 | Banco Popular San Juan, PR | 175 | 14.1% |
| 3 | Home Mortgage Bankers Carolina, PR | 108 | 8.7% |
| 4 | The Moneyhouse Inc. San Juan, PR | 99 | 8.0% |
| 5 | Firstbank San Juan, PR | 88 | 7.1% |
| 6 | Metro Island Mortgage Rio Piedras, PR | 80 | 6.4% |
| 7 | Actual Mortgage Bankers Bayamon, PR | 71 | 5.7% |
| 8 | First Equity Mortgage Bankers Inc. Miami, FL | 59 | 4.8% |
| 9 | Oriental Bank San Juan, PR | 58 | 4.7% |
| 10 | Preferred Mortgage LLC San Juan, PR | 58 | 4.7% |
Get the lender lists
The Puerto Rico mortgage lender list has the 152 lenders based in Puerto Rico, with addresses, phone numbers and their applications and dollar volume every year since 2003 ($69 for 2025, $138 for 2003–2025). The U.S. lender list has all 17,667 lenders, including the national lenders ranked above.
Puerto Rico lender list U.S. lender listHow this ranking works
- Source: the loan records lenders filed for 2025 under the Home Mortgage Disclosure Act, published by the FFIEC and the CFPB in 2026, totaled by lender for homes in Puerto Rico.
- Lenders are ranked by loans made, the number of loans they originated; loan volume is those loans' total amount. Loans bought from other lenders are not counted.
- Market share is the lender's share of all such loans made in Puerto Rico. Denial rate is applications denied, divided by applications approved or denied.
- Lenders are listed under the name and city on their HMDA filing. Lenders that have asked not to appear on AllMortgageDetail are left out.
More on Puerto Rico
Puerto Rico mortgage data by county and metro area · mortgage lenders by city in Puerto Rico
Nationwide rankings: All loans · Purchase · Refinance · Cash-out refi · FHA · VA · USDA
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