Find a better mortgage lender

Guaynabo Municipio, Puerto Rico · 2025

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

45 lenders acted on 768 mortgage applications for properties in Guaynabo Municipio in 2025. 12.5% were denied (Puerto Rico: 15.8%). Median rate on closed loans 6.13%; median loan $235,000; median property value $305,000.

768Applications
12.5%Denial ratestate 15.8%
6.13%Median ratestate 6.13%
$235,000Median loan
$305,000Median property value

Largest lenders in Guaynabo Municipio

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Banco Popular de Puerto Rico C 176122 12.5%6.31%
2 Firstbank Puerto Rico C 166116 15.7%5.88%
3 First Equity Mortgage Bankers D 6133 19.7%6.50%
4 Oriental Bank C 5535 10.9%5.50%
5 The Money House B 4132 4.9%6.56%
6 Sun West Mortgage Company B 2011 5.0%6.63%
7 Trust Mortgage C 1811 5.6%5.75%
8 Pentagon Federal Credit Union F 188 44.4%5.81%
9 Preferred Mortgage C 1713 5.9%5.75%
10 Metro Island Mortgage A 1616 0.0%5.75%
11 Broker Solutions D 1511 20.0%6.99%
12 Caribe Federal Credit Union D 159 26.7%6.50%
13 Vig Mortgage D 1311 7.7%5.75%
14 R. F. Mortgage & Investment C 1212 0.0%6.50%
15 Rm Actual Mortgage C 118 27.3%6.13%
16 Home Mortgage Bankers C 1010 0.0%6.50%
17 Multiples Mortgage D 98 0.0%7.38%
18 Capital Mortgage Services D 98 11.1%6.81%
19 Unnamed lender 549300TDABQQ6MBUPK64 – 88 0.0%6.38%
20 Hr Mortgage D 87 12.5%5.75%
21 E.m.i. Equity Mortgage A 88 0.0%—
22 Senior Mortgage Bankers D 76 14.3%6.00%
23 Crosscountry Mortgage B 62 0.0%6.03%
24 Cooperativa de Ahorro Y Credito LA Puertorriqueña C 64 0.0%6.50%
25 Cooperativa de Ahorro y Credito Jesus Obrero – 54 0.0%6.53%

Best approval odds in Guaynabo Municipio

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Banco Popular de Puerto Rico14715.0%
2Firstbank Puerto Rico14817.6%

What Guaynabo Municipio borrowers applied for

By loan purpose

Home purchase 590 77% · 12.2% denied
Refinance 15 2% · 0.0% denied
Cash-out refinance 127 17% · 14.2% denied
Home improvement 10 1% · 30.0% denied
Other / HELOC 26 3% · 11.5% denied

By loan type

Conventional 432 56% · 12.5% denied
FHA 305 40% · 11.8% denied
VA 28 4% · 17.9% denied
USDA / RHS 3 0% · 33.3% denied

Why applications were denied

Collateral 38 40%
Debt-to-income ratio 19 20%
Credit history 10 10%
Other 7 7%
Insufficient cash 6 6%
Employment history 5 5%
Unverifiable information 5 5%
Incomplete application 4 4%
Mortgage insurance denied 2 2%

Guaynabo Municipio by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202381858214.4%6.38%$195,000
202482556316.4%6.50%$235,000
202576854012.5%6.13%$235,000

Frequently asked questions

12.5% of applications in Guaynabo Municipio were denied in 2025, against 15.8% statewide in Puerto Rico.

Banco Popular de Puerto Rico, with 176 applications in 2025 and a denial rate of 12.5%.

The median mortgage application in Guaynabo Municipio in 2025 was for $235,000; the median property value on originated loans was $305,000.