The Money House in Puerto Rico vs the state
10.8%Denial rate-4.96 pts vs state
12.2%Decision denial rate-6.33 pts vs state
78.0%Origination rate+10.74 pts vs state
6.00%Median rate-0.13 pts vs state
-0.27Rate spread (pts)-0.33 pts vs state
$49kMedian applicant income
1,249Loans originated
173Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,379 | 1,081 | 12.8% | 6.75% | #5 |
| 2024 | 1,587 | 1,213 | 12.9% | 6.50% | #4 |
| 2025 | 1,602 | 1,249 | 10.8% | 6.00% | #4 |
What The Money House lends in Puerto Rico
By loan purpose
By loan type
Why it denied Puerto Rico applicants
Where in Puerto Rico
Counties with the most The Money House applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Juan Municipio | 184 | 139 | 26 | 14.1% |
| Ponce Municipio | 167 | 135 | 13 | 7.8% |
| Bayamón Municipio | 126 | 94 | 15 | 11.9% |
| Carolina Municipio | 121 | 100 | 10 | 8.3% |
| Caguas Municipio | 85 | 70 | 11 | 12.9% |
| Toa Baja Municipio | 51 | 43 | 3 | 5.9% |
| Trujillo Alto Municipio | 44 | 36 | 6 | 13.6% |
| Guaynabo Municipio | 41 | 32 | 2 | 4.9% |
| Mayagüez Municipio | 40 | 32 | 5 | 12.5% |
| Toa Alta Municipio | 31 | 28 | 1 | 3.2% |
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% |
| 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% |
| Pentagon Federal Credit Union | F | 519 | 43.0% | 5.88% |
Frequently asked questions
Puerto Rico: 1,602 applications in 2025, of which 1,249 were originated and 173 denied.
10.8% of all applications, or 12.2% of the applications it actually decided on. The Puerto Rico statewide average across all lenders was 15.8%.
The median rate on loans The Money House originated in Puerto Rico in 2025 was 6.00%, against a statewide median of 6.13%.
About this data. Figures are The Money House'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