The median interest rate borrowers actually received on originated loans, not the advertised rate. Product mix matters: a VA-heavy lender will look cheaper than a jumbo specialist.
| # | Lender | Grade | Median rate | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Oriental BankSan Juan, | C | 5.50% | 1,708 | 20.0% | 5.50% |
| 2 | Trust MortgageSan Juan, | C | 5.75% | 559 | 8.1% | 5.75% |
| 3 | Metro Island MortgageSan Juan, | A | 5.75% | 588 | 0.2% | 5.75% |
| 4 | Preferred MortgageSan Juan, | C | 5.75% | 732 | 11.6% | 5.75% |
| 5 | Firstbank Puerto RicoSan Juan, | C | 5.75% | 3,233 | 22.0% | 5.75% |
| 6 | Pentagon Federal Credit UnionMclean, VA | F | 5.88% | 519 | 43.0% | 5.88% |
| 7 | First Equity Mortgage BankersMiami, FL | D | 6.00% | 1,517 | 17.7% | 6.00% |
| 8 | The Money HouseSan Juan, | B | 6.00% | 1,602 | 10.8% | 6.00% |
| 9 | Cooperativa de Credito LA Sagrada FamiliaCorozal, | B | 6.25% | 134 | 3.0% | 6.25% |
| 10 | Cooperativa de Ahorro Y Credito LA PuertorriqueñaSan Juan, | C | 6.25% | 161 | 6.8% | 6.25% |
| 11 | Senior Mortgage BankersSan Juan, | D | 6.25% | 207 | 16.4% | 6.25% |
| 12 | Vig MortgageSan Juan, | D | 6.25% | 301 | 12.0% | 6.25% |
| 13 | R. F. Mortgage & InvestmentSan Juan, | C | 6.25% | 344 | 8.7% | 6.25% |
| 14 | Rm Actual MortgageBayamon, | C | 6.25% | 396 | 14.4% | 6.25% |
| 15 | Hr MortgageCaguas, | D | 6.25% | 697 | 20.8% | 6.25% |
| 16 | Banco Popular de Puerto RicoSan Juan, | C | 6.25% | 3,894 | 20.4% | 6.25% |
| 17 | Sun West Mortgage CompanyCerritos, CA | B | 6.38% | 482 | 10.6% | 6.38% |
| 18 | Broker SolutionsTustin, CA | D | 6.50% | 310 | 11.0% | 6.50% |
| 19 | Home Mortgage BankersCarolina, | C | 6.50% | 678 | 0.3% | 6.50% |
| 20 | Cooperativa de Ahorro Y Credito de CamuyCamuy, | B | 6.75% | 189 | 7.9% | 6.75% |
| 21 | Cooperativa de Ahorro y Credito de RinconRincon, | B | 6.75% | 355 | 5.9% | 6.75% |
| 22 | Cooperativa de Ahorro Y Credito de ManatiManati, | C | 6.95% | 116 | 8.6% | 6.95% |
| 23 | Multiples MortgageSan Juan, | D | 7.00% | 249 | 10.0% | 7.00% |
| 24 | Capital Mortgage ServicesSan Juan, | D | 7.25% | 214 | 8.9% | 7.25% |
Ordered by the median interest rate on originated loans, among lenders reporting rates on at least 100 loans. Some banks are exempt from HMDA pricing fields and cannot appear. All figures come from the lenders' own HMDA filings. Full methodology.
