Applications / Mortgage Analytics / Lenders / Puerto Rico / Capital Mortgage Services
San Juan, PR · Independent non-bank lender · CFPB · 148 loans in 2025
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148
loans originated, 2025
214
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Capital Mortgage Services is a Puerto Rico home-purchase lender whose main line is manufactured homes, which make up more than half its loans.
Manufactured homes accounted for 55.4% of its loans; the typical similar lender, an independent non-bank lender making between half and twice as many loans, made none. Home purchases were 89.2% of its lending. Its typical loan was $165,000, about half the $325,000 at similar lenders.
Loans insured by the Federal Housing Administration (FHA) made up 32.4% of its lending, about double the 15.4% at similar lenders. Loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) have shrunk, from 27.4% of its lending in 2020 to 2.0%. Its manufactured-home business may account for some of its FHA lending.
Higher-priced loans, those with a rate well above the average for similar loans, were 27.0% of its lending against 1.4% at similar lenders. Manufactured-home loans often carry higher rates, and with 55.4% of its book in them, they could account for most of the gap. Its higher-priced share fell from 63.1% in 2024.
All its lending is in Puerto Rico. In San Juan it ranks 18 of 63 lenders, and its share rose from 1.2% to 1.5%; Banco Popular de Puerto Rico leads. In Mayagüez its share fell from 2.0% to 0.9%, though in a market of $131.8M a few loans can move a share that much. Volume held level at 148 loans, against 467 in 2021.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Capital Mortgage Services took 214 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.2% · Refinance 10.8%
Conventional 63.5% · FHA 32.4% · USDA (RHS or FSA) 2.0% · VA 2.0% · of 148 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 | 148 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 120 |
| Aguadilla | 11 |
| Arecibo | 7 |
| Mayagüez | 7 |
| Guayama | 1 |
| Ponce | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SI9TPITPEZ5332 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7660827037 | 2015–2015 |
Established 22 April 2014. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Capital Mortgage Services's data.
Capital Mortgage Services's data
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Capital Mortgage Services 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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