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Top refinance lenders in Puerto Rico (2025)

Rate-and-term and cash-out refinance applications combined.

21kApplications in PR
18.5%State decision denial rate
6.13%State median rate
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders
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#LenderGradeRefinance applicationsApplicationsDenial rateMedian rate
1 Banco Popular de Puerto RicoSan Juan, C 642 3,894 20.4% 6.25%
2 Firstbank Puerto RicoSan Juan, C 347 3,233 22.0% 5.75%
3 Oriental BankSan Juan, C 331 1,708 20.0% 5.50%
4 First Equity Mortgage BankersMiami, FL D 157 1,517 17.7% 6.00%
5 Cooperativa de Ahorro y Credito de RinconRincon, B 147 355 5.9% 6.75%
6 Pentagon Federal Credit UnionMclean, VA F 147 519 43.0% 5.88%
7 Senior Mortgage BankersSan Juan, D 116 207 16.4% 6.25%
8 Cooperativa de Ahorro Y Credito de IsabelaIsabel, – 92 110 9.1% 5.99%
9 Sun West Mortgage CompanyCerritos, CA B 81 482 10.6% 6.38%
10 Cooperativa de Ahorro Y Credito de CamuyCamuy, B 79 189 7.9% 6.75%
11 The Money HouseSan Juan, B 69 1,602 10.8% 6.00%
12 Caribe Federal Credit UnionSan Juan, D 65 126 29.4% 6.50%
13 Multiples MortgageSan Juan, D 56 249 10.0% 7.00%
14 Cooperativa de Ahorro Y Credito Vega AltaVega Alta, – 51 104 7.7% 7.00%
15 E.m.i. Equity MortgageSan Juan, A 51 273 0.7% —
16 Home Mortgage BankersCarolina, C 51 678 0.3% 6.50%
17 Cooperativa de Ahorro Y Credito de ManatiManati, C 39 116 8.6% 6.95%
18 Hr MortgageCaguas, D 39 697 20.8% 6.25%
19 Metro Island MortgageSan Juan, A 37 588 0.2% 5.75%
20 Cooperativa de Credito LA Sagrada FamiliaCorozal, B 34 134 3.0% 6.25%
21 Preferred MortgageSan Juan, C 33 732 11.6% 5.75%
22 Broker SolutionsTustin, CA D 32 310 11.0% 6.50%
23 Unnamed lender 549300TDABQQ6MBUPK64 – 24 79 0.0% 6.25%
24 R. F. Mortgage & InvestmentSan Juan, C 24 344 8.7% 6.25%
25 Cooperativa de Ahorro Y Credito de LaresLares, – 23 73 17.8% 6.49%
26 Vig MortgageSan Juan, D 23 301 12.0% 6.25%
27 Cooperativa de Ahorro Y Credito OrientalHumacao, – 22 104 12.5% 5.75%
28 Capital Mortgage ServicesSan Juan, D 22 214 8.9% 7.25%
29 Cooperativa A/C de AreciboArecibo, – 20 89 11.2% 6.20%
30 Crosscountry MortgageCleveland, OH B 20 164 5.5% 6.97%
31 Rm Actual MortgageBayamon, C 19 396 14.4% 6.25%
32 Equity Prime MortgageAtlanta, GA D 17 62 12.9% 6.38%
33 Calcon Mutual MortgageSan Diego, CA D 16 61 14.8% 6.63%
34 Cooperativa de Ahoro y Crédito Bo. Quebrada de Camuy, PRCamuy, – 14 34 0.0% —
35 Cooperativa de Ahorro y Credito HatilloHatillo, – 13 34 0.0% 6.50%
36 Everett FinancialDallas, C 13 61 13.1% 6.75%
37 Village Capital & InvestmentHenderson, NV C 10 11 0.0% —
38 Cooperativa de Ahorro Y Credito MaunaboMaunabo, – 10 25 16.0% 6.55%
39 Cooperativa de Ahorro Y Credito CaguasCaguas, – 10 36 0.0% 7.00%
40 Cooperativa de Ahorro Y Credito Las PiedrasLas Piedras, – 10 55 1.8% 6.25%
41 Cooperativa de Ahorro Y Credito LA PuertorriqueñaSan Juan, C 10 161 6.8% 6.25%
42 Cooperativa de Ahorro Y Credito de Cabo RojoCabo Rojo, – 9 38 0.0% 6.00%
43 Cooperativa de Ahorro Y Credito Aguas BuenasAguas Buenas, – 8 19 5.3% 7.00%
44 Cooperativa de Ahorro Y Credito Roosevelt RoadsFajardo, – 8 25 24.0% 6.50%
45 Cooperativa De Credito Y Ahorro San JoseAibonito, – 8 27 11.1% 6.38%
46 San Rafael CoopQuebradillas, – 8 31 6.5% 6.60%
47 Cooperativa de Ahorro y Credito Jesus ObreroGuaynabo, – 8 34 11.8% 6.00%
48 The Lending CenterSan Juan, – 7 70 7.1% 6.25%
49 Medi-Coop (cooperativa de Ahorro Y Crédito de Médicos Y Otros Profesionales de LA Salud)San Juan, – 6 20 0.0% 7.50%
50 Cooperativa De Ahorro Y Credito La AiboniteñaAibonito, – 6 24 0.0% 5.75%

How this list is built

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.