San Juan-Bayamón-Caguas Mortgage Lending in 2025

Explore mortgage lending activity in San Juan-Bayamón-Caguas (MSA/MD Code 41980) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 41980
8,812 Loans Originated
• Primary State: Puerto Rico (PR)
• $1.86 Billion Originated Volume
• $155,000 Median Loan
Actionable Applications 10,983 +0.44% vs 2024
Approval Rate 82.25% +1.39 pp vs 2024
Denial Rate 17.75% -1.39 pp vs 2024
Loan Originations 8,812 +2.25% vs 2024
Originated Volume $1.86 Billion +10.90% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 10,983 actionable applications (Actions 1, 2, and 3).

82.25%
17.75%
9,034 approved 1,949 denied
Action 1: Originated
8,812 (80.23%)
Action 2: Approved not accepted
222 (2.02%)
Action 3: Denied
1,949 (17.75%)
Action 4: Withdrawn (not in denominator)
1,409 —
Action 5: Incomplete (not in denominator)
364 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How San Juan-Bayamón-Caguas Compares

Metro vs. State Baseline (2025)

Metric San Juan-Bayamón-Caguas Puerto Rico
Actionable Apps 10,983 14,736
Approval Rate 82.25% 81.91%
Denial Rate 17.75% 18.09%
Originations 8,812 11,728
Originated Volume $1.86 Billion $2.31 Billion
Median Loan $155,000 $145,000
Compared against Puerto Rico statewide baseline in 2025.

Lending Trends in San Juan-Bayamón-Caguas

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 12,616 12,756 +1.11%
Actionable Apps 10,935 10,983 +0.44%
Originations 8,618 8,812 +2.25%
Approval Rate 80.86% 82.25% +1.39 pp
Denial Rate 19.14% 17.75% -1.39 pp
Median Loan $145,000 $155,000 +6.90%
Dollar Volume $1.67 Billion $1.86 Billion +10.90%

Applications by Borrower Income (San Juan-Bayamón-Caguas)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 1,282 83.85% 16.15%
$150k+ 1,213 85.99% 14.01%
$50k–$99,999 3,497 83.24% 16.76%
<$50k 4,773 79.89% 20.11%
Income unavailable/entity 218 88.07% 11.93%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Puerto Rico (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 41980, anchored in Puerto Rico (PR).
Metro Share of State Apps 74.53%
Metro Share of State Volume 80.29%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Puerto Rico statewide mortgage activity

San Juan-Bayamón-Caguas is part of OpenFileData’s statewide coverage of Puerto Rico. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Puerto Rico Statewide Overview Active Profile
Statewide Actionable Applications: 14,736
Explore Puerto Rico State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Puerto Rico Profile

Compare all metropolitan areas located in Puerto Rico.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.