Lenders handling the most FHA applications. FHA loans allow 3.5% down and lower credit scores; a lender that does a lot of them has the underwriting muscle for it.
| # | Lender | Grade | FHA applications | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Banco Popular de Puerto RicoSan Juan, | C | 1,473 | 3,894 | 20.4% | 6.25% |
| 2 | Firstbank Puerto RicoSan Juan, | C | 1,101 | 3,233 | 22.0% | 5.75% |
| 3 | The Money HouseSan Juan, | B | 997 | 1,602 | 10.8% | 6.00% |
| 4 | Oriental BankSan Juan, | C | 854 | 1,708 | 20.0% | 5.50% |
| 5 | First Equity Mortgage BankersMiami, FL | D | 809 | 1,517 | 17.7% | 6.00% |
| 6 | Preferred MortgageSan Juan, | C | 511 | 732 | 11.6% | 5.75% |
| 7 | Home Mortgage BankersCarolina, | C | 494 | 678 | 0.3% | 6.50% |
| 8 | Metro Island MortgageSan Juan, | A | 462 | 588 | 0.2% | 5.75% |
| 9 | Trust MortgageSan Juan, | C | 387 | 559 | 8.1% | 5.75% |
| 10 | Rm Actual MortgageBayamon, | C | 248 | 396 | 14.4% | 6.25% |
| 11 | Hr MortgageCaguas, | D | 247 | 697 | 20.8% | 6.25% |
| 12 | Vig MortgageSan Juan, | D | 241 | 301 | 12.0% | 6.25% |
| 13 | E.m.i. Equity MortgageSan Juan, | A | 229 | 273 | 0.7% | — |
| 14 | Sun West Mortgage CompanyCerritos, CA | B | 222 | 482 | 10.6% | 6.38% |
| 15 | R. F. Mortgage & InvestmentSan Juan, | C | 173 | 344 | 8.7% | 6.25% |
| 16 | Cooperativa de Ahorro Y Credito LA PuertorriqueñaSan Juan, | C | 130 | 161 | 6.8% | 6.25% |
| 17 | Broker SolutionsTustin, CA | D | 129 | 310 | 11.0% | 6.50% |
| 18 | Senior Mortgage BankersSan Juan, | D | 126 | 207 | 16.4% | 6.25% |
| 19 | Capital Mortgage ServicesSan Juan, | D | 66 | 214 | 8.9% | 7.25% |
| 20 | Pentagon Federal Credit UnionMclean, VA | F | 45 | 519 | 43.0% | 5.88% |
| 21 | Latin American FinancialSan Juan, | – | 43 | 47 | 12.8% | 6.25% |
| 22 | Multiples MortgageSan Juan, | D | 39 | 249 | 10.0% | 7.00% |
| 23 | Everett FinancialDallas, | C | 32 | 61 | 13.1% | 6.75% |
| 24 | Crosscountry MortgageCleveland, OH | B | 31 | 164 | 5.5% | 6.97% |
| 25 | Equity Prime MortgageAtlanta, GA | D | 28 | 62 | 12.9% | 6.38% |
| 26 | Cooperativa de Ahorro Y Credito Vega AltaVega Alta, | – | 22 | 104 | 7.7% | 7.00% |
| 27 | Cooperativa de Ahorro Y Credito OrientalHumacao, | – | 19 | 104 | 12.5% | 5.75% |
| 28 | Calcon Mutual MortgageSan Diego, CA | D | 14 | 61 | 14.8% | 6.63% |
| 29 | Planet Home LendingMeriden, CT | B | 10 | 27 | 33.3% | 6.25% |
| 30 | Caribe Federal Credit UnionSan Juan, | D | 8 | 126 | 29.4% | 6.50% |
| 31 | The Lending CenterSan Juan, | – | 6 | 70 | 7.1% | 6.25% |
| 32 | Village Capital & InvestmentHenderson, NV | C | 4 | 11 | 0.0% | — |
| 33 | Cooperativa De Ahorro Y Credito Dr. Manuel Zeno GandiaArecibo, | – | 4 | 39 | 18.0% | 6.50% |
| 34 | Flagstar BankHicksville, NY | C | 1 | 5 | 100.0% | — |
| 35 | City LendingVienna, VA | F | 1 | 7 | 28.6% | 6.25% |
| 36 | Cooperativa de Ahorro y Credito de RinconRincon, | B | 1 | 355 | 5.9% | 6.75% |
Ordered by the number of applications of this type received in 2025 in the state. All figures come from the lenders' own HMDA filings. Full methodology.
