Rm Actual Mortgage in Puerto Rico vs the state
14.4%Denial rate-1.37 pts vs state
15.9%Decision denial rate-2.58 pts vs state
76.0%Origination rate+8.78 pts vs state
6.25%Median rate+0.13 pts vs state
0.36Rate spread (pts)+0.30 pts vs state
$44kMedian applicant income
301Loans originated
57Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 334 | 236 | 16.5% | 6.75% | #15 |
| 2024 | 337 | 249 | 11.9% | 6.75% | #13 |
| 2025 | 396 | 301 | 14.4% | 6.25% | #13 |
What Rm Actual Mortgage lends in Puerto Rico
By loan purpose
By loan type
Why it denied Puerto Rico applicants
Where in Puerto Rico
Counties with the most Rm Actual Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bayamón Municipio | 54 | 48 | 5 | 9.3% |
| San Juan Municipio | 28 | 16 | 10 | 35.7% |
| Juana Díaz Municipio | 26 | 22 | 3 | 11.5% |
| Carolina Municipio | 21 | 16 | 4 | 19.0% |
| Toa Baja Municipio | 16 | 13 | 1 | 6.3% |
| Vega Baja Municipio | 16 | 10 | 3 | 18.8% |
| Caguas Municipio | 15 | 11 | 3 | 20.0% |
| Humacao Municipio | 14 | 10 | 3 | 21.4% |
| Ponce Municipio | 13 | 8 | 2 | 15.4% |
| Manatí Municipio | 12 | 10 | 2 | 16.7% |
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: 396 applications in 2025, of which 301 were originated and 57 denied.
14.4% of all applications, or 15.9% of the applications it actually decided on. The Puerto Rico statewide average across all lenders was 15.8%.
The median rate on loans Rm Actual Mortgage originated in Puerto Rico in 2025 was 6.25%, against a statewide median of 6.13%.
About this data. Figures are Rm Actual 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