Lenders with the highest composite grade: approval odds, pricing, process and closing costs, each ranked against peers of the same kind and size.
| # | Lender | Grade | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | E.m.i. Equity MortgageSan Juan, | A | 82.5 score | 273 | 0.7% | — |
| 2 | Metro Island MortgageSan Juan, | A | 71.3 score | 588 | 0.2% | 5.75% |
| 3 | Cooperativa de Credito LA Sagrada FamiliaCorozal, | B | 63.9 score | 134 | 3.0% | 6.25% |
| 4 | Sun West Mortgage CompanyCerritos, CA | B | 61.0 score | 482 | 10.6% | 6.38% |
| 5 | Cooperativa de Ahorro y Credito de RinconRincon, | B | 60.3 score | 355 | 5.9% | 6.75% |
| 6 | The Money HouseSan Juan, | B | 59.9 score | 1,602 | 10.8% | 6.00% |
| 7 | Crosscountry MortgageCleveland, OH | B | 56.5 score | 164 | 5.5% | 6.97% |
| 8 | Cooperativa de Ahorro Y Credito de CamuyCamuy, | B | 54.0 score | 189 | 7.9% | 6.75% |
| 9 | Firstbank Puerto RicoSan Juan, | C | 47.0 score | 3,233 | 22.0% | 5.75% |
| 10 | Trust MortgageSan Juan, | C | 46.9 score | 559 | 8.1% | 5.75% |
| 11 | Home Mortgage BankersCarolina, | C | 46.6 score | 678 | 0.3% | 6.50% |
| 12 | R. F. Mortgage & InvestmentSan Juan, | C | 45.3 score | 344 | 8.7% | 6.25% |
| 13 | Cooperativa de Ahorro Y Credito de ManatiManati, | C | 43.0 score | 116 | 8.6% | 6.95% |
| 14 | Banco Popular de Puerto RicoSan Juan, | C | 40.9 score | 3,894 | 20.4% | 6.25% |
| 15 | Preferred MortgageSan Juan, | C | 39.4 score | 732 | 11.6% | 5.75% |
| 16 | Oriental BankSan Juan, | C | 37.3 score | 1,708 | 20.0% | 5.50% |
| 17 | Cooperativa de Ahorro Y Credito LA PuertorriqueñaSan Juan, | C | 36.8 score | 161 | 6.8% | 6.25% |
| 18 | Rm Actual MortgageBayamon, | C | 33.5 score | 396 | 14.4% | 6.25% |
| 19 | Hr MortgageCaguas, | D | 28.8 score | 697 | 20.8% | 6.25% |
| 20 | Broker SolutionsTustin, CA | D | 28.6 score | 310 | 11.0% | 6.50% |
| 21 | Multiples MortgageSan Juan, | D | 27.0 score | 249 | 10.0% | 7.00% |
| 22 | Capital Mortgage ServicesSan Juan, | D | 24.9 score | 214 | 8.9% | 7.25% |
| 23 | First Equity Mortgage BankersMiami, FL | D | 23.3 score | 1,517 | 17.7% | 6.00% |
| 24 | Caribe Federal Credit UnionSan Juan, | D | 23.2 score | 126 | 29.4% | 6.50% |
| 25 | Senior Mortgage BankersSan Juan, | D | 20.8 score | 207 | 16.4% | 6.25% |
| 26 | Vig MortgageSan Juan, | D | 19.7 score | 301 | 12.0% | 6.25% |
| 27 | Pentagon Federal Credit UnionMclean, VA | F | 18.6 score | 519 | 43.0% | 5.88% |
Lenders are ordered by composite grade score: approval odds (45%), pricing (30%), process (15%) and closing costs (10%), each a percentile rank against peers of the same product type and size. A lender needs at least 100 decided applications in 2025 to be graded. All figures come from the lenders' own HMDA filings. Full methodology.
