Canóvanas Municipio, Puerto Rico · 2025

Mortgage lenders in Canóvanas Municipio, PR: denial rates and top lenders (2025)

33 lenders acted on 288 mortgage applications for properties in Canóvanas Municipio in 2025. 19.1% were denied (Puerto Rico: 15.8%). Median rate on closed loans 6.00%; median loan $155,000; median property value $165,000.

288Applications
19.1%Denial ratestate 15.8%
6.00%Median ratestate 6.13%
$155,000Median loan
$165,000Median property value

Largest lenders in Canóvanas Municipio

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Banco Popular de Puerto Rico C 5138 11.8%5.63%
2 Oriental Bank C 328 43.8%5.00%
3 Firstbank Puerto Rico C 3214 43.8%5.50%
4 First Equity Mortgage Bankers D 2616 15.4%6.13%
5 Home Mortgage Bankers C 2519 0.0%6.50%
6 The Money House B 2220 0.0%6.13%
7 Hr Mortgage D 1510 26.7%5.88%
8 Trust Mortgage C 112 9.1%6.00%
9 Preferred Mortgage C 86 0.0%5.75%
10 Vig Mortgage D 85 37.5%6.25%
11 Metro Island Mortgage A 77 0.0%5.75%
12 Pentagon Federal Credit Union F 73 42.9%5.38%
13 R. F. Mortgage & Investment C 65 16.7%5.75%
14 E.m.i. Equity Mortgage A 66 0.0%

What Canóvanas Municipio borrowers applied for

By loan purpose

Home purchase 242 84% · 18.6% denied
Refinance 4 1% · 0.0% denied
Cash-out refinance 34 12% · 26.5% denied
Home improvement 1 0% · 0.0% denied
Other / HELOC 7 2% · 14.3% denied

By loan type

Conventional 65 23% · 20.0% denied
FHA 118 41% · 17.8% denied
VA 22 8% · 18.2% denied
USDA / RHS 83 29% · 20.5% denied

Why applications were denied

Collateral 23 42%
Debt-to-income ratio 13 24%
Other 7 13%
Credit history 6 11%
Insufficient cash 3 5%
Incomplete application 2 4%
Mortgage insurance denied 1 2%

Canóvanas Municipio by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202330020912.0%6.25%$145,000
202428519019.3%6.50%$135,000
202528817719.1%6.00%$155,000

Frequently asked questions

19.1% of applications in Canóvanas Municipio were denied in 2025, against 15.8% statewide in Puerto Rico.

Banco Popular de Puerto Rico, with 51 applications in 2025 and a denial rate of 11.8%.

The median mortgage application in Canóvanas Municipio in 2025 was for $155,000; the median property value on originated loans was $165,000.