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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 FHA 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 | THE MONEY HOUSE INC. | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $3,522 | -0.707% | 800 | |
2 | Banco Popular de Puerto Rico | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,274 | +0.168% | 1,530 | |
3 | FIRSTBANK PUERTO RICO | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,483 | -0.293% | 1,259 | |
4 | Oriental Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,038 | -0.097% | 559 | |
5 | TRUST MORTGAGE, CORP | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,373 | +0.349% | 317 | |
6 | E.M.I. EQUITY MORTGAGE, INC. | Exceptional | Strong | Strong | Strong | Strong | -$138 | +0.374% | 128 | |
7 | PREFERRED MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,880 | +0.602% | 383 | |
8 | VIG MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Strong | $3,234 | +0.955% | 176 | |
9 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,600 | +0.652% | 160 | |
10 | R. F. Mortgage & Investment Corporation | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,575 | +0.895% | 234 | |
11 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,076 | +0.566% | 21 | |
12 | FIRST EQUITY MORTGAGE BANKERS, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,696 | +0.946% | 300 | |
13 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,338 | +1.060% | 31 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,183 | +0.843% | 50 | |
15 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,900 | +1.080% | 36 | |
16 | Capital Mortgage Services Corp. | Sound | Mediocre | Sound | Sound | Strong | $4,956 | +1.467% | 115 |
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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