Juncos Municipio, Puerto Rico · 2025

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

33 lenders acted on 323 mortgage applications for properties in Juncos Municipio in 2025. 12.7% were denied (Puerto Rico: 15.8%). Median rate on closed loans 6.00%; median loan $135,000; median property value $175,000.

323Applications
12.7%Denial ratestate 15.8%
6.00%Median ratestate 6.13%
$135,000Median loan
$175,000Median property value

Largest lenders in Juncos Municipio

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 First Equity Mortgage Bankers D 3830 0.0%5.75%
2 Banco Popular de Puerto Rico C 3728 24.3%5.75%
3 Hr Mortgage D 3425 23.5%6.25%
4 Oriental Bank C 3324 12.1%5.00%
5 Firstbank Puerto Rico C 3324 18.2%5.50%
6 The Money House B 1815 5.6%6.00%
7 Home Mortgage Bankers C 1817 0.0%6.50%
8 Sun West Mortgage Company B 109 0.0%6.25%
9 Preferred Mortgage C 108 10.0%5.75%
10 Trust Mortgage C 97 0.0%5.75%
11 Rm Actual Mortgage C 96 33.3%6.13%
12 E.m.i. Equity Mortgage A 98 11.1%
13 R. F. Mortgage & Investment C 86 12.5%6.13%
14 Pentagon Federal Credit Union F 73 42.9%6.00%
15 Broker Solutions D 75 14.3%6.75%
16 Metro Island Mortgage A 66 0.0%6.13%
17 Cooperativa de Ahorro Y Credito del Valenciano 65 0.0%6.50%

What Juncos Municipio borrowers applied for

By loan purpose

Home purchase 287 89% · 11.2% denied
Refinance 7 2% · 42.9% denied
Cash-out refinance 28 9% · 21.4% denied
Home improvement 1 0% · 0.0% denied

By loan type

Conventional 55 17% · 18.2% denied
FHA 146 45% · 11.0% denied
VA 30 9% · 13.3% denied
USDA / RHS 92 28% · 12.0% denied

Why applications were denied

Collateral 18 45%
Debt-to-income ratio 9 23%
Credit history 6 15%
Other 3 8%
Unverifiable information 2 5%
Mortgage insurance denied 1 3%
Insufficient cash 1 3%

Juncos Municipio by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202335226613.4%6.25%$115,000
202430520516.1%6.25%$125,000
202532324512.7%6.00%$135,000

Frequently asked questions

12.7% of applications in Juncos Municipio were denied in 2025, against 15.8% statewide in Puerto Rico.

First Equity Mortgage Bankers, with 38 applications in 2025 and a denial rate of 0.0%.

The median mortgage application in Juncos Municipio in 2025 was for $135,000; the median property value on originated loans was $175,000.