Applications / Mortgage Analytics / Lenders / Puerto Rico / Actual Mortgage Bankers
Bayamon, PR · Independent non-bank lender · CFPB · 301 loans in 2025
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301
loans originated, 2025
396
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Actual Mortgage Bankers, a Puerto Rico non-bank lender, makes small, mostly government-backed loans to home buyers, and it grew 21% in 2025, gaining share in its main island markets.
Only 6.0% of its loans were conventional, against 76.4% at similar lenders, independent non-bank lenders making between half and twice as many loans. Loans insured by the Federal Housing Administration (FHA) made up 62.5% and loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) 23.6%; the typical peer made no RHS loans. Purchases were 96.7% of its lending.
Its typical loan was $135,000, against $325,000 at its peers, smaller than at nearly all of them. That is why its total, $44.4 million, is small beside peers making about as many loans. All its lending is in Puerto Rico, across 6 metros and 47 counties.
Its loans rose 21% in 2025, to 301, while the typical similar lender grew 3% and the whole market 10%. That was higher than about three-quarters of its peers. It has grown most years since 2018, when it made 167 loans.
In San Juan-Bayamón-Caguas, its largest market, its share rose from 1.2% to 1.5%, ranking it 17 of 63 lenders; Banco Popular de Puerto Rico led. In Ponce its share rose from 4.5% to 5.3%, sixth of 40 lenders, and in Arecibo from 1.1% to 1.8%. It has lent in all three since 2009.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Actual Mortgage Bankers took 396 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 96.7% · Refinance 3.3%
FHA 62.5% · USDA (RHS or FSA) 23.6% · VA 8.0% · Conventional 6.0% · of 301 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Puerto Rico | 301 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 236 |
| Ponce | 32 |
| Arecibo | 12 |
| Guayama | 6 |
| Aguadilla | 2 |
| Mayagüez | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M0I314MIP2FT97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4185008 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660690568 |
Established 21 January 2007. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Actual Mortgage Bankers's data.
Actual Mortgage Bankers's data
$215
Actual Mortgage Bankers and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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