Applications / Mortgage Analytics / Lenders / Puerto Rico / The Moneyhouse
San Juan, PR · Independent non-bank lender · CFPB · 1,250 loans in 2025
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1,250
loans originated, 2025
1,608
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Moneyhouse is a Puerto Rican home-purchase lender built on government-backed loans, and it is the largest lender in Ponce.
Purchases made up 95.5% of its loans. Loans insured by the Federal Housing Administration (FHA) were 63.8%, against 22.4% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans. Another 7.9% were guaranteed by the Department of Agriculture's Rural Housing Service (RHS), against 0.3% at peers. Its typical loan of $135,000 is lower than at almost all of them.
It ranks 1 of 40 in Ponce, ahead of Banco Popular de Puerto Rico, and its share there rose from 19.4% to 22.2%. In San Juan-Bayamón-Caguas, its largest market, it ranks 5 of 63 with 6.3%. Its share slipped in Arecibo, from 7.0% to 4.2%; in markets that small, a few dozen loans can move a share that far. Because it lends almost wholly in Puerto Rico, all its loans fall in majority-minority neighborhoods.
Its typical rate of 6.00% is lower than at more than nine in ten peers, whose typical rate is 6.62%. None of its loans was higher-priced, meaning a rate well above the average for similar loans, against 2.2% at peers.
Its 1,250 loans were 3% more than in 2024, in line with peers, and about double the 610 of 2020. It also bought 1,102 loans from other lenders, where the typical peer bought none. The reports do not say which lenders sell it those loans, or on what terms.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Moneyhouse took 1,608 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.5% · Refinance 3.9% · Home improvement 0.4% · Not applicable 0.2%
FHA 63.8% · Conventional 21.8% · USDA (RHS or FSA) 7.9% · VA 6.6% · of 1,250 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 | 1,249 | 99.9% |
| Florida | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 835 |
| Ponce | 181 |
| Mayagüez | 97 |
| Arecibo | 29 |
| Guayama | 25 |
| Aguadilla | 18 |
| Ocala | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TDRENNEZ2S6M03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3872271 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 71125900008 | 1998–2017 |
Established 15 April 1997. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: The Moneyhouse's data.
The Moneyhouse's data
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