Independent research profile. Not a ranking.

Independent lender research

Banco Popular de Puerto Rico

FDIC-insured bank

FDIC Certificate 34968

Headquarters (FDIC record): San Juan, PR

Independent research from official public records. No paid ranking. No lender score. Not lending advice.

HMDA activity shown reflects the 2025 reporting vintage. Dates below are source dates, not ingest dates.

Evidence coverage

Coverage describes what this evidence layer contains. None observed is not the same as none exists. Partial means the evidence layer is incomplete.

identity
Complete
Official identifiers are attached to this institution.
hmda
Available
HMDA 2025 reporting vintage activity is attached.
cfpb
Available
Confirmed CFPB complaint attribution is attached.
enforcement
None observed
No attributable enforcement events were observed in the currently connected sources. This is not proof that no history exists.
servicer role
Not established
Servicer status comes only from official role evidence, not from names or complaint volume.
nmls
Not found
No NMLS Institution ID is attached in this evidence layer.
depository
FDIC-insured bank
Depository type is taken from official FDIC/NCUA identifiers when present.

Identity & regulatory identifiers

Identifiers are shown in their own namespaces. An LEI is not an NMLS ID. An NMLS Institution ID is not a branch or person ID. An FDIC certificate is not a mortgage license.

Federal Reserve RSSD: 940311
FDIC Certificate: 34968
LEI: OJH4M4RQMT1WXN2BNC32

Names on this institution

Legal name: Banco Popular de Puerto Rico

Historical names remain on this same institution. They do not create a separate profile.

Mortgage activity reported through HMDA

Period: HMDA 2025 reporting vintage. This is not 2026 mortgage activity. Source: FFIEC HMDA 2025 LEI summaries.

Applications

3,894

sum(applications) at state grain. Not a quality signal.

Originations

2,399

sum(originations) at state grain.

Origination rate

61.6%

2,399 originations / 3,894 applications. Not an approval prediction.

Denials

790

County-grain denial count. Not a quality score.

Denial rate

20.3%

790 county-grain denials ÷ 3,894 state-grain applications. Numerator is county-grain denials; denominator is state-grain applications. Full LAR action_taken distribution is not stored. Do not compare lenders without scale context. Not a quality score. This is not “chance of being denied” and not your approval odds.

See methodology.

Where HMDA activity was observed

HMDA activity observed in listed states/counties. This is not headquarters, not licensed-in, and not a branch network. These are not licensed states, branch locations, or a service area unless separate evidence says so.

Headquarters (separate from activity): San Juan, PR

Top states by HMDA applications

Top states by HMDA applications
Category	Count
Puerto Rico (PR)	3,894

HMDA activity observed in 1 state.

Top counties by HMDA applications

Top counties by HMDA applications
Category	Count
72127 · PR	524
72021 · PR	303
72031 · PR	223
72061 · PR	176
72063 · PR	172
72113 · PR	144
72023 · PR	127
72025 · PR	126
72097 · PR	109
72119 · PR	98
72051 · PR	97
72013 · PR	93
72145 · PR	88
72135 · PR	81
72005 · PR	69

County FIPS codes are activity locations, not branches. 75 counties with observed applications.

Consumer complaint evidence

CFPB complaints attributed to this institution through confirmed identity mappings. Complaint totals are not a quality score and are not enforcement findings.

Attributed complaints

520

Last 24 months

Received on or after 2024-08-26.

Source company label: BANCO POPULAR DE PUERTO RICO (confirmed).

Complaint products
Category	Count
Mortgage	520

Complaint issues
Category	Count
Trouble during payment process	130
Struggling to pay mortgage	97
Loan servicing, payments, escrow account	90
Loan modification,collection,foreclosure	79
Applying for a mortgage or refinancing an existing mortgage	35
Closing on a mortgage	31
Application, originator, mortgage broker	22
Incorrect information on your report	11

Company responses
Category	Count
Closed with explanation	494
Closed without relief	11
Closed with monetary relief	6
Closed with relief	5
Closed with non-monetary relief	3
In progress	1

Timely response
Category	Count
Yes	517
No	3

Complaint data includes only records deterministically attributed to this institution. Some CFPB source labels remain unresolved and are listed separately.

Regulatory & Enforcement History

Separate from consumer complaints. Events appear only when a regulator record is confirmed to this institution with an official identifier. Counts are not a severity score. Nonfinal events are not proven wrongdoing unless the source disposition says so.

No attributable enforcement events were observed in the currently connected sources. That is not proof that no enforcement history exists.

Observed roles

Servicer role: Servicer role not established

Role status uses official servicer-role evidence only. It is not inferred from company name, CFPB complaint count, ownership, parent company, or mortgage volume.

FDIC-insured bank

Sources & methodology

Consumers should use source and reporting dates. Snapshot rebuild dates are not “verified today.”

FFIEC · hmda_2025_lender_state_summary
As-of / vintage: HMDA 2025
Source observed: 2025-12-31
source vintage, not ingest date
CFPB · cfpb_ccdb
Source observed: 2011-12-02
attributed confirmed complaints only
GLEIF · lei-records
FDIC · institutions

HMDA 2025 is a reporting vintage, not current 2026 lending activity.
HMDA activity geography is not headquarters and not a branch or license map.
CFPB counts include confirmed attributions only.
Enforcement requires an independent confirmed identifier; a complaint bridge is not enough.
NONE OBSERVED enforcement is not proof of no history.
No Trust Score, ranking, or quality conversion is computed.
Purchase/refinance and FHA/VA/conventional program splits are not populated in the current LEI summaries.
Year-over-year HMDA is unavailable (single vintage).

Contract lend-nat-011-v1. Materialized evidence snapshot. Not a live national scan. Lookup 59 ms.