Trujillo Alto Municipio, Puerto Rico · 2025

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

38 lenders acted on 447 mortgage applications for properties in Trujillo Alto Municipio in 2025. 15.2% were denied (Puerto Rico: 15.8%). Median rate on closed loans 6.00%; median loan $155,000; median property value $185,000.

447Applications
15.2%Denial ratestate 15.8%
6.00%Median ratestate 6.13%
$155,000Median loan
$185,000Median property value

Largest lenders in Trujillo Alto Municipio

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Firstbank Puerto Rico C 7047 18.6%5.75%
2 Banco Popular de Puerto Rico C 5632 19.6%6.13%
3 First Equity Mortgage Bankers D 5034 20.0%6.50%
4 The Money House B 4436 13.6%6.31%
5 Oriental Bank C 2819 10.7%5.75%
6 Home Mortgage Bankers C 2112 4.8%6.38%
7 Trust Mortgage C 1815 5.6%5.75%
8 Metro Island Mortgage A 1818 0.0%5.88%
9 Sun West Mortgage Company B 139 7.7%5.75%
10 Pentagon Federal Credit Union F 136 38.5%5.38%
11 E.m.i. Equity Mortgage A 1210 0.0%
12 Vig Mortgage D 118 18.2%5.88%
13 Hr Mortgage D 109 10.0%6.75%
14 R. F. Mortgage & Investment C 109 10.0%6.88%
15 Preferred Mortgage C 85 37.5%5.75%
16 Multiples Mortgage D 66 0.0%7.00%
17 Broker Solutions D 64 0.0%6.44%
18 Senior Mortgage Bankers D 63 33.3%7.00%
19 Caribe Federal Credit Union D 64 33.3%6.50%

Best approval odds in Trujillo Alto Municipio

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

#LenderDecidedDecision denial rate
1Firstbank Puerto Rico6320.6%

What Trujillo Alto Municipio borrowers applied for

By loan purpose

Home purchase 353 79% · 15.0% denied
Refinance 17 4% · 11.8% denied
Cash-out refinance 60 13% · 18.3% denied
Home improvement 6 1% · 16.7% denied
Other / HELOC 11 2% · 9.1% denied

By loan type

Conventional 196 44% · 15.3% denied
FHA 207 46% · 15.9% denied
VA 27 6% · 11.1% denied
USDA / RHS 17 4% · 11.8% denied

Why applications were denied

Collateral 27 40%
Debt-to-income ratio 19 28%
Other 7 10%
Credit history 6 9%
Employment history 5 7%
Insufficient cash 2 3%
Unverifiable information 1 1%
Incomplete application 1 1%

Trujillo Alto Municipio by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202356237117.3%6.50%$125,000
202445531015.4%6.44%$135,000
202544731715.2%6.00%$155,000

Frequently asked questions

15.2% of applications in Trujillo Alto Municipio were denied in 2025, against 15.8% statewide in Puerto Rico.

Firstbank Puerto Rico, with 70 applications in 2025 and a denial rate of 18.6%.

The median mortgage application in Trujillo Alto Municipio in 2025 was for $155,000; the median property value on originated loans was $185,000.