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Metro Island Mortgage

Independent Mortgage CompanySan Juan, PRHQDirectReviews near you on Google

We analyzed every closed loan from Metro Island Mortgage 499 loans across 511 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Exceptional
5/5
closing strength
Product
Exceptional
5/5
FHA · VA · USDA
Place
Strong
4/5
unknown · 4 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA and USDA loans

Explore another lender or local market

Report Card

Metro Island Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
FHA
396 loans · 1.04% above market
Strong
Top 40% of lenders
4/5
VA
33 loans
Strong
Top 40% of lenders
4/5
USDA
68 loans · 1.03% above market
Exceptional
Top 20% of lenders
5/5
By Loan Purpose· Transaction purpose mix
Purchase
456 loans · 1.03% above market
Strong
Top 40% of lenders
4/5
Refinance
43 loans
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Varies · 4 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

FHA Loans
Overall
Exceptional
Product
Strong
Pricing
Pull Through
Exceptional
Volume396
Mix79.4%
Spread
+1.038%Above
Fees
$1,924Fees
VA Loans
Overall
Exceptional
Product
Strong
Pricing
Pull Through
Exceptional
Volume33
Mix6.6%
Spread
Fees
USDA Loans
Overall
Exceptional
Product
Exceptional
Pricing
Pull Through
Exceptional
Volume68
Mix13.6%
Spread
+1.027%Above
Fees
$2,222Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Exceptional
Product
Strong
Pricing
Pull Through
Exceptional
Volume456
Mix91.4%
Spread
+1.033%Above
Fees
$2,051Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Pull Through
Exceptional
Volume43
Mix8.6%
Spread
Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
499
Applications
511
Volume
$78 million
Pricing & Closing
Pullthrough Rate
97.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$158,307
Avg Borrower Income
$63,261
Avg Property Value
$182,495

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
0
of 50 states + DC
Avg Place Specialization
Strong
4/5

Top Metro Areas by Place Specialization Score

1© Wilfredor · CC0
San Juan, PRMetro
Volume 424Mix 84.97% of portfolio
88/100
Exceptional
2© Agentex · CC BY 2.0
Arecibo, PRMetro
Volume 29Mix 5.81% of portfolio
70/100
Strong
Volume 18Mix 3.61% of portfolio
56/100
Sound
4© Yarfpr · CC BY-SA 4.0
Aguadilla, PRMetro
Volume 11Mix 2.20% of portfolio
44/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.