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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in San Juan
Updated February 5, 2026
Market Overview
42
Total Lenders
8,498
Total Loans
0.48%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FIRSTBANK PUERTO RICO | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,483 | -0.293% | 1,259 | |
2 | THE MONEY HOUSE INC. | Exceptional | Strong | Strong | Exceptional | Exceptional | $3,522 | -0.707% | 800 | |
3 | Banco Popular de Puerto Rico | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,274 | +0.168% | 1,530 | |
4 | Oriental Bank | Strong | Sound | Strong | Strong | Exceptional | $3,038 | -0.097% | 559 | |
5 | TRUST MORTGAGE, CORP | Strong | Sound | Acceptable | Sound | Exceptional | $2,373 | +0.349% | 317 | |
6 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,183 | +0.843% | 50 | |
7 | FIRST EQUITY MORTGAGE BANKERS, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,696 | +0.946% | 300 | |
8 | R. F. Mortgage & Investment Corporation | Strong | Mediocre | Sound | Exceptional | Exceptional | $3,575 | +0.895% | 234 | |
9 | PENTAGON FEDERAL CREDIT UNION | Strong | Acceptable | Strong | Sound | Strong | $3,836 | -0.041% | 180 | |
10 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,600 | +0.652% | 160 | |
11 | COOPERATIVA DE AHORRO Y CREDITO DE CAMUY | Strong | Acceptable | Sound | Exceptional | Sound | $2,871 | +0.436% | 18 | |
12 | PREFERRED MORTGAGE CORPORATION | Sound | Acceptable | Acceptable | Sound | Exceptional | $2,880 | +0.602% | 383 | |
13 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,338 | +1.060% | 31 | |
14 | CARIBE FEDERAL CREDIT UNION | Sound | Acceptable | Acceptable | Sound | Strong | $3,381 | +0.628% | 31 | |
15 | Capital Mortgage Services Corp. | Sound | Mediocre | Sound | Sound | Strong | $4,956 | +1.467% | 115 | |
16 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Sound | $3,900 | +1.080% | 36 | |
17 | Equity Prime Mortgage LLC | Sound | Mediocre | Sound | Acceptable | Sound | $5,076 | +0.566% | 21 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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.
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