Applications / Mortgage Analytics / Lenders / Puerto Rico / Senior Mortgage Bankers
San Juan, PR · Independent non-bank lender · CFPB · 143 loans in 2025
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143
loans originated, 2025
207
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Senior Mortgage Bankers, a Puerto Rico lender of small, government-backed loans, grew 17% in 2025 while similar lenders shrank.
Loans insured by the Federal Housing Administration (FHA) made up 64.3% of its lending, against 15.4% at similar lenders, independent non-banks making between half and twice as many loans. Loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS) and by the Department of Veterans Affairs (VA) added 4.2% each. Only 27.3% were conventional. It made no loans on manufactured homes, and refinances made up 53.1%.
Its typical loan was $155,000, against $325,000 at similar lenders, among the lowest tenth. Its typical rate, 6.25%, was lower than at most similar lenders.
It made 143 loans, up from 122, while similar lenders made 2% fewer. In San Juan-Bayamón-Caguas, its largest market, its share rose from 0.9% to 1.1% and it ranked 20 of 63 lenders. Banco Popular de Puerto Rico ranked first.
All its lending is in Puerto Rico, so every loan is in a majority-minority area, against 21.9% at similar lenders. Poorer neighborhoods (low- and moderate-income tracts) took 39.7% of its loans, against 18.4%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Senior Mortgage Bankers took 207 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.1% · Purchase 46.9%
FHA 64.3% · Conventional 27.3% · USDA (RHS or FSA) 4.2% · VA 4.2% · of 143 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 | 143 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 126 |
| Mayagüez | 7 |
| Arecibo | 4 |
| Guayama | 3 |
| Aguadilla | 2 |
| Ponce | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QK56SK0RTQI188 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4537326 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660705554 |
Established 18 December 2007. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Senior Mortgage Bankers's data.
Senior Mortgage Bankers's data
$215
Senior 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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