Lenders that say no least often, measured on applications they actually decided. Withdrawn and incomplete files are excluded so the figure reflects the lender, not the applicant.
| # | Lender | Grade | Decision denial rate | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Metro Island MortgageSan Juan, | A | 0.2% | 588 | 0.2% | 5.75% |
| 2 | Home Mortgage BankersCarolina, | C | 0.4% | 678 | 0.3% | 6.50% |
| 3 | R. F. Mortgage & InvestmentSan Juan, | C | 8.9% | 344 | 8.7% | 6.25% |
| 4 | Trust MortgageSan Juan, | C | 9.7% | 559 | 8.1% | 5.75% |
| 5 | Sun West Mortgage CompanyCerritos, CA | B | 14.9% | 482 | 10.6% | 6.38% |
| 6 | The Money HouseSan Juan, | B | 12.2% | 1,602 | 10.8% | 6.00% |
| 7 | Preferred MortgageSan Juan, | C | 13.2% | 732 | 11.6% | 5.75% |
| 8 | Rm Actual MortgageBayamon, | C | 15.9% | 396 | 14.4% | 6.25% |
| 9 | Hr MortgageCaguas, | D | 21.8% | 697 | 20.8% | 6.25% |
| 10 | First Equity Mortgage BankersMiami, FL | D | 19.6% | 1,517 | 17.7% | 6.00% |
| 11 | Banco Popular de Puerto RicoSan Juan, | C | 23.8% | 3,894 | 20.4% | 6.25% |
| 12 | Firstbank Puerto RicoSan Juan, | C | 23.3% | 3,233 | 22.0% | 5.75% |
| 13 | Oriental BankSan Juan, | C | 26.4% | 1,708 | 20.0% | 5.50% |
| 14 | Pentagon Federal Credit UnionMclean, VA | F | 45.9% | 519 | 43.0% | 5.88% |
Ordered by decision denial rate: denied ÷ (originated + approved-not-accepted + denied). Lenders must have decided at least 300 applications in the state. All figures come from the lenders' own HMDA filings. Full methodology.
