Applications / Mortgage Analytics / Lenders / Puerto Rico / E.M.I. Equity Mortgage
San Juan, PR · Independent non-bank lender · CFPB · 237 loans in 2025
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237
loans originated, 2025
273
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
E.M.I. Equity Mortgage, a San Juan lender, makes only government-backed loans, most of them insured by the Federal Housing Administration (FHA).
FHA loans were 84.8% of its 237 loans, against 16.9% at similar lenders, which are independent non-bank lenders making between half and twice as many loans. The rest were backed by the veterans' and rural-housing programs. It made no conventional loans; the typical peer made 76.3%. Purchases took 79.3%.
Its typical loan was $155,000, against $325,000 at similar lenders, smaller than at more than nine in ten of them. That is up from $125,000 in 2024.
Its loans rose 11% in 2025, while those of similar lenders fell 1%. In San Juan-Bayamón-Caguas, its largest market, its share rose to 1.7% from 1.4%, and it ranks 15 of 63 lenders. Banco Popular de Puerto Rico leads there. It has lent across Puerto Rico since 2006.
Its denial rate on home-purchase applications was 1.1%, against 3.5% at similar lenders, lower than at about four in five of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. E.M.I. Equity Mortgage took 273 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.3% · Refinance 20.7%
FHA 84.8% · USDA (RHS or FSA) 8.0% · VA 7.2% · of 237 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 | 236 | 99.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 211 |
| Arecibo | 6 |
| Guayama | 6 |
| Ponce | 4 |
| Mayagüez | 3 |
| Aguadilla | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930050YUB4R3ZKAI03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3878620 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660427030 | 2006–2007 |
Established 14 May 1986. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: E.M.I. Equity Mortgage's data.
E.M.I. Equity Mortgage's data
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E.M.I. Equity Mortgage 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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