Safe Rate Rankings

Best All Lender Mortgage Lenders in Aguadilla

Updated May 19, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders12

Total Loans535

Median Rate Spread0.11%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	FIRSTBANK PUERTO RICOBank	Exceptional	Strong	Exceptional	Exceptional	$4,161Fees	0.304%Below	115
2	Cooperativa de Ahorro y Credito de RinconIndependent Mortgage Company	Exceptional	Exceptional	Sound	Strong	$2,439Fees	0.545%Below	35
3	THE MONEY HOUSE INC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$3,350Fees	0.563%Below	28
4	Banco Popular de Puerto RicoBank	Strong	Sound	Exceptional	Exceptional	$3,124Fees	0.259%Above	163
5	Oriental BankBank	Strong	Strong	Strong	Strong	$2,139Fees	0.229%Above	30
6	PENTAGON FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Sound	Sound	$4,638Fees	0.041%Above	28

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.