SAN JUAN - BAYAMÓN - CAGUAS Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in San Juan - BayamÓn - Caguas averaged
7.05%
for the week of 2025-07-10, compared to the national average of
6.72% for the same period.
The average rate for the prior week (2025-07-03) was
6.8% and
one month ago for the week of 2025-06-05, the
average rate was 6.88%.
San Juan - BayamÓn - Caguas's average rate one year ago was 6.98%.
For refis of the same type during the week of 2025-07-10, the average rate
was 7.35%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-10 | 6.72% |
| San Juan - BayamÓn - Caguas 30 Year Fixed Rate | 2025-07-10 | 7.05% |
| San Juan - BayamÓn - Caguas 30 Year Fixed Rate Refi | 2025-07-10 | 7.35% |
| San Juan - BayamÓn - Caguas 15 Year Fixed Rate | 2025-07-10 | 6% |
| San Juan - BayamÓn - Caguas 15 Year Fixed Rate Refi | 2025-07-10 | 6.36% |
| San Juan - BayamÓn - Caguas 30 Year FHA | 2025-07-10 | 6.22% |
| San Juan - BayamÓn - Caguas 30 Year FHA Refi | 2025-07-10 | 5.55% |
| San Juan - BayamÓn - Caguas 30 Year USDA | 2025-07-10 | 6.27% |
| San Juan - BayamÓn - Caguas 30 Year USDA Refi | 2025-07-10 | 6.65% |
| San Juan - BayamÓn - Caguas 30 Year VA | 2025-07-10 | 6.28% |
| San Juan - BayamÓn - Caguas 30 Year VA Refi | 2025-07-10 | 6.27% |
SAN JUAN - BAYAMÓN - CAGUAS Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the SAN JUAN-BAYAMÓN-CAGUAS, PR market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
SAN JUAN - BAYAMÓN - CAGUAS Average Closing Costs & Other Stats
SAN JUAN-BAYAMÓN-CAGUAS, PR's 50 lenders originated 9,486
loans during 2024. The total origination value was $1,900,240,000, with an average loan value of
$200,320.
SAN JUAN - BAYAMÓN - CAGUAS's average closing costs are $7,965.
The top SAN JUAN - BAYAMÓN - CAGUAS lender as defined by loan originations is Banco Popular de Puerto Rico, with
809 loans originated. Their average total fees are
$9,243, which is $1,633
higher than the next largest lender,
FIRSTBANK PUERTO RICO.
The lowest fee SAN JUAN - BAYAMÓN - CAGUAS lenders (with over 10 loans originated) are
COOPERATIVA DE AHORRO Y CREDITO DR. MANUEL ZENO GANDIA ($5,615), COOPERATIVA DE AHORRO Y CREDITO LAS PIEDRAS ($5,776), COOPERATIVA DE AHORRO Y CREDITO ROOSEVELT ROADS ($5,828), Cooperativa de Ahorro y Credito Jesus Obrero ($6,198) and THE MONEY HOUSE INC. ($7,249).
The lowest rate SAN JUAN - BAYAMÓN - CAGUAS lenders (with over 10 loans originated) are
COOPERATIVA DE AHORRO Y CREDITO LAS PIEDRAS (5.93%), COOPERATIVA DE CREDITO LA SAGRADA FAMILIA (6.22%), FIRSTBANK PUERTO RICO (6.22%), Oriental Bank (6.37%) and PENTAGON FEDERAL CREDIT UNION (6.52%).
SAN JUAN-BAYAMÓN-CAGUAS, PR Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Banco Popular de Puerto Rico | $427,725,000 | $506,675,000 | 18.5% | 26.7% |
| FIRSTBANK PUERTO RICO | $261,615,000 | $304,460,000 | 16.4% | 16.0% |
| THE MONEY HOUSE INC. | $118,925,000 | $128,275,000 | 7.9% | 6.8% |
| Oriental Bank | $100,425,000 | $119,150,000 | 18.6% | 6.3% |
| METRO ISLAND MORTGAGE, INC. | $68,150,000 | $68,460,000 | 0.5% | 3.6% |
| FIRST EQUITY MORTGAGE BANKERS, INC. | $112,810,000 | $65,790,000 | -41.7% | 3.5% |
| PREFERRED MORTGAGE CORPORATION | $57,430,000 | $57,635,000 | 0.4% | 3.0% |
| HOME MORTGAGE BANKERS CORP. | $53,895,000 | $56,590,000 | 5.0% | 3.0% |
| PENTAGON FEDERAL CREDIT UNION | $52,220,000 | $52,545,000 | 0.6% | 2.8% |
| HR MORTGAGE CORP. | $53,870,000 | $49,630,000 | -7.9% | 2.6% |
| TRUST MORTGAGE, CORP | $43,580,000 | $45,445,000 | 4.3% | 2.4% |
| Rf Mortgage & Investment Corp | $42,555,000 | $43,915,000 | 3.2% | 2.3% |
| SUN WEST MORTGAGE COMPANY, INC. | $38,060,000 | $28,590,000 | -24.9% | 1.5% |
| E.M.I. EQUITY MORTGAGE, INC. | $23,225,000 | $27,235,000 | 17.3% | 1.4% |
| VIG MORTGAGE CORPORATION | $28,090,000 | $27,070,000 | -3.6% | 1.4% |
| Capital Mortgage Services Corp. | $28,605,000 | $24,350,000 | -14.9% | 1.3% |
| RM ACTUAL MORTGAGE, INC. | $20,275,000 | $24,010,000 | 18.4% | 1.3% |
| CALCON MUTUAL MORTGAGE LLC | $15,505,000 | $22,105,000 | 42.6% | 1.2% |
| MULTIPLES MORTGAGE CORPORATION | $24,240,000 | $19,870,000 | -18.0% | 1.0% |
| COOPERATIVA DE AHORRO Y CREDITO LA PUERTORRIQUEÑA | $20,055,000 | $19,390,000 | -3.3% | 1.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $24,505,000 | $17,775,000 | -27.5% | 0.9% |
| Senior Mortgage Bankers Inc | $17,120,000 | $17,675,000 | 3.2% | 0.9% |
| Baxter Credit Union | $1,335,000 | $11,895,000 | 791.0% | 0.6% |
| COOPERATIVA DE AHORRO Y CREDITO DE MANATI INC. | $8,895,000 | $10,040,000 | 12.9% | 0.5% |
| Cooperativa A/C de Arecibo | $9,155,000 | $9,695,000 | 5.9% | 0.5% |
| COOPERATIVA DE CREDITO LA SAGRADA FAMILIA | $7,765,000 | $9,515,000 | 22.5% | 0.5% |
| LATIN AMERICAN FINANCIAL CORPORATION | $13,235,000 | $9,245,000 | -30.1% | 0.5% |
| COOPERATIVA DE AHORRO Y CREDITO VEGA ALTA | $11,850,000 | $9,055,000 | -23.6% | 0.5% |
| Cooperativa A/C Oriental | $6,295,000 | $8,310,000 | 32.0% | 0.4% |
| EVERETT FINANCIAL, INC. | $3,585,000 | $7,675,000 | 114.1% | 0.4% |
| Equity Prime Mortgage LLC | $9,010,000 | $6,870,000 | -23.8% | 0.4% |
| The Lending Center Corporation | $4,485,000 | $5,665,000 | 26.3% | 0.3% |
| COOPERATIVA DE AHORRO Y CREDITO DE CAMUY | $4,335,000 | $5,105,000 | 17.8% | 0.3% |
| CARIBE FEDERAL CREDIT UNION | $7,115,000 | $4,895,000 | -31.2% | 0.3% |
| BROKER SOLUTIONS, INC. | $4,780,000 | n/a | 0.3% | |
| The Piedmont Bank | $4,305,000 | $4,405,000 | 2.3% | 0.2% |
| COOPERATIVA DE AHORRO Y CREDITO CAGUAS | $3,315,000 | $4,215,000 | 27.1% | 0.2% |
| Cooperativa De Credito Y Ahorro San Jose | $3,800,000 | $4,035,000 | 6.2% | 0.2% |
| Cooperativa de Ahorro y Credito Jesus Obrero | $3,810,000 | $2,835,000 | -25.6% | 0.1% |
| Cooperativa de Ahorro y Credito Aguas Buenas | $615,000 | $2,325,000 | 278.0% | 0.1% |
| COOPERATIVA DE AHORRO Y CREDITO DE ISABELA | $1,050,000 | $2,185,000 | 108.1% | 0.1% |
| COOPERATIVA DE AHORRO Y CREDITO LAS PIEDRAS | $2,570,000 | $2,120,000 | -17.5% | 0.1% |
| Flagstar Bank, FSB | $2,105,000 | n/a | 0.1% | |
| Cooperativa de A/C de Maunabo | $520,000 | $1,995,000 | 283.7% | 0.1% |
| COOPERATIVA DE AHORRO Y CREDITO DR. MANUEL ZENO GANDIA | $1,995,000 | $1,350,000 | -32.3% | 0.1% |
| COOPERATIVA DE AHORRO Y CREDITO ROOSEVELT ROADS | $1,870,000 | $1,175,000 | -37.2% | 0.1% |
| Cooperativa de Ahorro y Credito de Rincon | $3,590,000 | $1,170,000 | -67.4% | 0.1% |
| Cooperativa De Ahorro Y Credito La Aiboniteña | $2,090,000 | $1,090,000 | -47.8% | 0.1% |
| City Lending Inc. | $1,025,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $355,000 | $790,000 | 122.5% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $765,000 | n/a | 0.0% | |
| COOPERATIVA DE AHORRO Y CREDITO DEL VALENCIANO | $1,775,000 | $730,000 | -58.9% | 0.0% |
| COOPERATIVA DE AHORRO Y CREDITO DE CABO ROJO | $495,000 | n/a | 0.0% | |
| FIRST MORTGAGE COMPANY, INC. | $475,000 | n/a | 0.0% | |
| CMG MORTGAGE, INC. | $470,000 | n/a | 0.0% | |
| SAN RAFAEL COOP | $510,000 | $280,000 | -45.1% | 0.0% |
| COOPERATIVA DE AHORRO Y CREDITO DE LARES | $315,000 | $220,000 | -30.2% | 0.0% |
| COOPERATIVA DE AHORRO Y CREDITO DE SANTA ISABEL (CACSI) | $165,000 | n/a | 0.0% | |
| M&T Bank | $35,000 | n/a | 0.0% |
SAN JUAN - BAYAMÓN - CAGUAS's top lender by overall market share is Banco Popular de Puerto Rico, with 26.7% market share. In second place, with 16.0%, is FIRSTBANK PUERTO RICO, having originated $304,460,000 in loans. In third place, with 6.8%, is THE MONEY HOUSE INC., having originated $128,275,000 in loans. In fourth place, with 6.3%, is Oriental Bank, having originated $119,150,000 in loans. In fifth place, with 3.6%, is METRO ISLAND MORTGAGE, INC., having originated $68,460,000 in loans.
SAN JUAN-BAYAMÓN-CAGUAS, PR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 8,340 | $1,632,550,000 | $195,749 |
| Cash Out Refi | 704 | $127,080,000 | $180,511 |
| Refi | 220 | $66,800,000 | $303,636 |
| Other | 149 | $43,355,000 | $290,973 |
| Home Improvement | 73 | $30,455,000 | $417,192 |
San Juan - BayamÓn - Caguas's most frequently cited loan purpose was Home Purchase, with 8,340 originations. The 2nd most popular reason was Cash Out Refi, with 704 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 4,885 | $947,175,000 | $193,895 |
| 5-6% | 2,034 | $429,920,000 | $211,367 |
| 7-8% | 1,326 | $236,530,000 | $178,379 |
| 4-5% | 787 | $175,765,000 | $223,335 |
| Over 8% | 339 | $56,815,000 | $167,596 |
| 3-4% | 83 | $17,475,000 | $210,542 |
| <2.5% | 2 | $200,000 | $100,000 |
| 2.5-3% | 1 | $115,000 | $115,000 |
During 2024, San Juan - BayamÓn - Caguas's most frequently originated rate bucket was 6-7%, with 4,885 originations.
Loan Sizing (SAN JUAN-BAYAMÓN-CAGUAS, PR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 4,322 | $611,540,000 | $141,495 |
| $100,000 or less | 2,462 | $182,540,000 | $74,143 |
| $200k-400k | 1,963 | $539,075,000 | $274,618 |
| $400k-600k | 426 | $203,030,000 | $476,596 |
| $600k-1000k | 207 | $153,225,000 | $740,217 |
| $Over $1MM | 106 | $210,830,000 | $1,988,962 |
SAN JUAN - BAYAMÓN - CAGUAS's loan sizing saw the bucket of loans from $100k-200k with 4,322 originations, totaling $611,540,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 4,657 | $1,016,675,000 | $218,311 |
| 60-80% | 3,490 | $637,510,000 | $182,668 |
| 40-60% | 877 | $130,145,000 | $148,398 |
| 20-40% | 206 | $32,860,000 | $159,515 |
| Over 100% | 167 | $39,805,000 | $238,353 |
| Under 20% | 29 | $2,655,000 | $91,552 |
SAN JUAN - BAYAMÓN - CAGUAS's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 4,657 originations, totaling $1,016,675,000 in origination value.