Applications / Mortgage Analytics / Lenders / Puerto Rico / Home Mortgage Bankers
Carolina, PR · Independent non-bank lender · CFPB · 493 loans in 2025
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493
loans originated, 2025
679
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Home Mortgage Bankers is a Puerto Rico purchase lender whose business is almost entirely government-backed loans, and it ranks eighth in the San Juan market.
Loans insured by the Federal Housing Administration (FHA) made up 73.0% of its lending and loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) 21.9%. Conventional loans were just 0.6%, against 68.4% at similar lenders (independent non-banks making between half and twice as many loans). Home purchases were 93.9% of its loans.
Its typical loan was $135,000, against $330,000 at similar lenders. A third of its loans (33.3%) were higher-priced, meaning a rate well above the average for similar loans, against 1.6% at peers. Its heavy FHA lending and its small loans could account for that gap; its typical rate, 6.50%, matched its peers'.
It ranks 8 of 63 lenders in San Juan-Bayamón-Caguas with a 2.9% share, the same as a year earlier, behind leaders such as Banco Popular de Puerto Rico. In Guayama its share rose from 2.0% to 2.8%.
It made 493 loans, up 7%, against 2% for similar lenders, and has filed reports since 2007. It turned down 0.4% of home-purchase applications, lower than at about nine in ten similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Home Mortgage Bankers took 679 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 93.9% · Refinance 6.1%
FHA 73.0% · USDA (RHS or FSA) 21.9% · VA 4.5% · Conventional 0.6% · of 493 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 | 493 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 442 |
| Arecibo | 11 |
| Guayama | 9 |
| Mayagüez | 7 |
| Ponce | 7 |
| Aguadilla | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930024L8BYJXUEP897 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3873120 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660669989 | 2007–2008 |
Established date not on record. Reported under HMDA 2007-2025.
Mergers, name changes, data editions and corrections: Home Mortgage Bankers's data.
Home Mortgage Bankers's data
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Home 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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