Applications / Mortgage Analytics / Lenders / Puerto Rico / The Lending Center
San Juan, PR · Independent non-bank lender · CFPB · 51 loans in 2025
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51
loans originated, 2025
70
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Lending Center is a small Puerto Rico mortgage company that lends mostly to home buyers, nearly half of them with loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS).
RHS loans made up 47.1% of its lending in 2025, up from 38.3% a year earlier; the typical similar lender (independent non-bank lenders making between half and twice as many loans) made none. Conventional loans made up another 47.1%, and other government-backed loans the rest. Purchases took 86.3% of its loans, and it made no manufactured-home loans.
Its typical loan was $105,000, against $255,000 at similar lenders; nineteen in twenty made bigger loans. It made 38.8% of its loans in low- and moderate-income neighborhoods, against 17.3% at peers, a higher share than at more than nine in ten. Both that share and its share to such borrowers, 32.0%, rose sharply from a year earlier.
It made 51 loans in 2025, down 15% from 60, while similar lenders held steady. Its volume swings: 107 loans in 2021, 47 in each of the next two years. At this size a few loans either way move the yearly change a lot.
It has lent in San Juan-Bayamón-Caguas since 2009 and ranks 37 of 63 lenders there, where Banco Popular de Puerto Rico leads. Its share slipped 0.1 points to 0.2%, perhaps reflecting its smaller volume. In Guayama, a $30.0M market, its share rose 0.2 points to 1.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Lending Center took 70 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 86.3% · Refinance 13.7%
Conventional 47.1% · USDA (RHS or FSA) 47.1% · VA 3.9% · FHA 2.0% · of 51 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 | 51 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 38 |
| Guayama | 4 |
| Aguadilla | 3 |
| Arecibo | 1 |
| Mayagüez | 1 |
| Ponce | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NG2D8XTAILV420 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4185165 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660699600 |
Established date not on record. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: The Lending Center's data.
The Lending Center's data
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The Lending Center 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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