# Best Mortgage Lenders in Aguadilla, PR

**As of:** 2026-05-19

Compare the top mortgage lenders in Aguadilla, PR. Data-driven rankings based on pricing, approval rates, and local market expertise.

> **Canonical URL:** https://saferate.com/aguadilla-pr/best-mortgage-lenders


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 12
- **Total Loans:** 535
- **Median Rate Spread:** 0.1123%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | FIRSTBANK PUERTO RICO | 93 | 69 | 82 | 115 | Bank |
| 2 | THE MONEY HOUSE INC. | 86 | 75 | 100 | 28 | Independent Mortgage Company |
| 3 | Banco Popular de Puerto Rico | 84 | 54 | 89 | 163 | Bank |
| 4 | Oriental Bank | 80 | 66 | 67 | 30 | Bank |
| 5 | Cooperativa de Ahorro y Credito de Rincon | 78 | 86 | 48 | 35 | Independent Mortgage Company |
| 6 | PENTAGON FEDERAL CREDIT UNION | 60 | 48 | 42 | 28 | Credit Union |
| 7 | COOPERATIVA DE AHORRO Y CREDITO DE ISABELA | 54 | N/A | 77 | 75 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Aguadilla, PR.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.