E.m.i. Equity Mortgage in Puerto Rico vs the state
0.7%Denial rate-15.03 pts vs state
0.8%Decision denial rate-17.66 pts vs state
86.8%Origination rate+19.58 pts vs state
—Median rate
—Rate spread (pts)
$50kMedian applicant income
237Loans originated
2Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 259 | 195 | 13.9% | 6.50% | #19 |
| 2024 | 289 | 214 | 16.3% | 6.75% | #16 |
| 2025 | 273 | 237 | 0.7% | — | #18 |
What E.m.i. Equity Mortgage lends in Puerto Rico
By loan purpose
By loan type
Where in Puerto Rico
Counties with the most E.m.i. Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bayamón Municipio | 30 | 30 | 0 | 0.0% |
| San Juan Municipio | 29 | 28 | 0 | 0.0% |
| Carolina Municipio | 22 | 20 | 1 | 4.5% |
| Caguas Municipio | 22 | 22 | 0 | 0.0% |
| Trujillo Alto Municipio | 12 | 10 | 0 | 0.0% |
| Toa Baja Municipio | 9 | 9 | 0 | 0.0% |
| Juncos Municipio | 9 | 8 | 1 | 11.1% |
| Guaynabo Municipio | 8 | 8 | 0 | 0.0% |
| Humacao Municipio | 7 | 7 | 0 | 0.0% |
| Río Grande Municipio | 6 | 6 | 0 | 0.0% |
Other large lenders in Puerto Rico
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Banco Popular de Puerto Rico | C | 3,894 | 20.4% | 6.25% |
| Firstbank Puerto Rico | C | 3,233 | 22.0% | 5.75% |
| Oriental Bank | C | 1,708 | 20.0% | 5.50% |
| The Money House | B | 1,602 | 10.8% | 6.00% |
| First Equity Mortgage Bankers | D | 1,517 | 17.7% | 6.00% |
| Preferred Mortgage | C | 732 | 11.6% | 5.75% |
| Hr Mortgage | D | 697 | 20.8% | 6.25% |
| Home Mortgage Bankers | C | 678 | 0.3% | 6.50% |
| Metro Island Mortgage | A | 588 | 0.2% | 5.75% |
| Trust Mortgage | C | 559 | 8.1% | 5.75% |
Frequently asked questions
Puerto Rico: 273 applications in 2025, of which 237 were originated and 2 denied.
0.7% of all applications, or 0.8% of the applications it actually decided on. The Puerto Rico statewide average across all lenders was 15.8%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are E.m.i. Equity Mortgage's own HMDA filing for properties located in Puerto Rico, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology