County directory · Puerto Rico
CDFI lenders in Ponce municipio, PR
2 are headquartered here. 1 more has a bank or credit-union branch here. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.
- Name this county
- 0
- Based here
- 2
- Branch here
- 1
- Serve all of PR
- 0
None of the lender websites we read names Ponce municipio; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Coto Laurel, Mercedita, Ponce.
Lenders compared for Ponce municipio
6 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Caribe Federal Credit Union Credit union, San Juan PR | 1 office here; 4 home loans here, 2025 | ask | 45 mi |
| 2. Corporacion Para El Financiamiento Empresarial Del Comercio Y De Las Comunidades (COFECC) Loan fund, San Juan PR | 12 SBA loans here, FY2020–FY2026 | $500–$5.5M | 45 mi |
| 3. Cooperativa de Ahorro y Credito de Rincon Credit union, Rincon PR | 5 home loans here, 2025 | ask | 48 mi |
| 4. Cooperativa de Ahorro y Credito Caguas Credit union, Caguas PR | 4 home loans here, 2025 | ask | 39 mi |
| 5. Cooperativa de Ahorro y Credito Padre MacDonald Credit union, Ponce PR | headquarters here | ask | in the county |
| 6. Ponce Neighborhood Housing Services Loan fund, Ponce PR | headquarters here | ask | in the county |
6 of these 6 lenders have received CDFI Fund awards, together $19.8M in fiscal years 1998–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.
Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.
Where these lenders have offices
3 lenders2 head offices and 1 branch or office of 3 lenders on this page, within 30 miles of the centre of Ponce municipio. Lenders with no office nearby may still lend here; many work by phone and online.
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loan types confirmed on these lenders' websites
- Auto / vehicle loans (1 lender)
- Equipment loans (1 lender)
- Home mortgages (1 lender)
- Personal / consumer loans (1 lender)
- Small-business loans (1 lender)
Banks and credit unions with a branch in this county
1 certified CDFI has at least one office in Ponce municipio (NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.
CDFI mortgage lenders active here
Certified CDFIs reported 18 originated home loans for properties in Ponce municipio in 2025 under the Home Mortgage Disclosure Act: 3.8% of the 468 home loans that all HMDA lenders reported here.
- Cooperativa de Ahorro y Credito de RinconCredit union · Rincon, PRAuto / vehicle loans, Small-dollar / emergency loans, Energy / solar / efficiency loans, Home mortgages…5 home loans here in 2025 (HMDA)Verified
- Caribe Federal Credit UnionCredit union · San Juan, PRAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Energy / solar / efficiency loans…4 home loans here in 2025 (HMDA)Verified
- Cooperativa de Ahorro y Credito CaguasCredit union · Caguas, PRHome mortgages, Personal / consumer loans4 home loans here in 2025 (HMDA)Verified
Plus 4 more certified CDFIs with fewer than 3 loans here each (not listed).
A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
Small business and SBA lending in Ponce municipio
Official statisticsMedian household income in Ponce municipio is $19,877, 24% below the Puerto Rico figure of $26,297 (ACS 2020–2024).
| Measure | Ponce municipio | Puerto Rico |
|---|---|---|
| Median household income (ACS 2020–2024) | $19,877 (24% below the state) | $26,297 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 123 (107 7(a), 16 504) | 3,429 |
| Median SBA 7(a) loan, all lenders | $50,000 | $75,000 |
| …with a certified CDFI as lender, CDC or third-party lender | 12 (10%) | 178 (5%) |
| Variable-rate 7(a): median rate over prime at approval, FY2024–26 | 4.5 pts (53 loans; 2% at the SBA maximum) | 3.75 pts (9% at the maximum) |
Approvals by fiscal year: FY2020 10 · FY2021 16 · FY2022 10 · FY2023 16 · FY2024 21 · FY2025 21 · FY2026 29.
For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).
Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.
SBA loans made here by CDFIs
SBA data as of 30 Sep 2026Certified CDFIs were the lender, the CDC or the third-party lender on 12 SBA approvals (1 7(a) loan and 11 504 projects) for borrowers in Ponce municipio in fiscal years 2020–2026, from 3 CDFIs.
CDFIs with 3 or more: Corporacion Para El Financiamiento Empresarial Del Comercio Y De Las Comunidades (COFECC) (12). 2 more CDFIs made 1 or 2 each.
Counted by the county of the borrower's ZIP code. Approval is not disbursement. These are only the SBA loans of certified CDFIs; most SBA lenders here are not CDFIs, and CDFIs also lend outside SBA programs.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
CDFI lending recorded here (FY2022)
CDFI Fund data, released Dec 202432 loans and investments totaling $3.7M (median $91,500) were reported to the CDFI Fund for borrowers and projects in Ponce municipio in fiscal year 2022, by 9 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Home purchase | 18 | $2.2M | $101,000 |
| Non-real estate business | 6 | $646,231 | $77,978 |
| Non-real estate microenterprise | 4 | $74,728 | $18,250 |
| None of the listed purposes | 4 | $783,000 | $161,000 |
CDFI banks and credit unions also reported 1,928 consumer loans in Ponce municipio totaling $23.6M (Consumer Loan Report, tract totals, so no median); they counted 1% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2020 12.
Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.
Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.
Headquartered in Ponce municipio
The official list gives a headquarters address here. Check each lender's page for where it lends.
- Cooperativa de Ahorro y Credito Padre MacDonaldCredit union · Ponce, PRAuto / vehicle loans, Equipment loans, Home mortgages, Personal / consumer loans…Verified
- Ponce Neighborhood Housing ServicesLoan fund · Ponce, PROfficial list only
Free help before you apply
These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.
Business advice
- Puerto Rico Small Business & Technology Development Centers ~ Inter American University Ponce Campus ~ Ponce Service CenterSmall Business Development Center · Turpeaux Industrial Park, Road 1, Km 123.4, Mercedita, Ponce, PR 00715
- Puerto Rico SCORESCORE mentoring · 273 Avenida Ponce De Leon, U.S. Small Business Admin. Office Suite 510, San Juan, PR 00917800-634-0245 · about 45 miles from the centre of Ponce municipio
- Centro Empresarial para la MujerWomen's Business Center · Villa Capitan Bldg. Ave. Hostos, Suite 204, Mayaguez, PR 00680787-805-4500 · about 38 miles from the centre of Ponce municipio
Housing counseling
- Pathstone CorporationHUD-approved housing counselor · 1235 Paseo Las Monjitas Urb. Las Monjita, Ponce, PR 00730787-829-6024
- Ponce Neighborhood Housing Services, Inc.HUD-approved housing counselor · 57 Calle Mendez Vigo, Ponce, PR 00730787-841-5055
Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.
Other Puerto Rico counties
Source: CDFI Atlas, cdfiatlas.com/states/pr/counties/ponce-municipio/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).