Everett Financial in Puerto Rico vs the state
13.1%Denial rate-2.65 pts vs state
18.6%Decision denial rate+0.10 pts vs state
57.4%Origination rate-9.85 pts vs state
6.75%Median rate+0.63 pts vs state
1.04Rate spread (pts)+0.98 pts vs state
$78kMedian applicant income
35Loans originated
8Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 22 | 11.1% | 7.13% | #46 |
| 2024 | 54 | 39 | 20.4% | 6.75% | #34 |
| 2025 | 61 | 35 | 13.1% | 6.75% | #37 |
What Everett Financial lends in Puerto Rico
By loan purpose
By loan type
Why it denied Puerto Rico applicants
Where in Puerto Rico
Counties with the most Everett Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Juan Municipio | 8 | 6 | 1 | 12.5% |
| Bayamón Municipio | 4 | 3 | 1 | 25.0% |
| Carolina Municipio | 4 | 2 | 1 | 25.0% |
| Dorado Municipio | 4 | 3 | 1 | 25.0% |
| Camuy Municipio | 3 | 2 | 0 | 0.0% |
| Cabo Rojo Municipio | 3 | 3 | 0 | 0.0% |
| Luquillo Municipio | 3 | 1 | 0 | 0.0% |
| Arecibo Municipio | 3 | 2 | 0 | 0.0% |
| Ponce Municipio | 2 | 0 | 0 | 0.0% |
| Toa Alta Municipio | 2 | 1 | 1 | 50.0% |
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: 61 applications in 2025, of which 35 were originated and 8 denied.
13.1% of all applications, or 18.6% of the applications it actually decided on. The Puerto Rico statewide average across all lenders was 15.8%.
The median rate on loans Everett Financial originated in Puerto Rico in 2025 was 6.75%, against a statewide median of 6.13%.
About this data. Figures are Everett Financial'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