County directory · Puerto Rico

CDFI lenders in San Juan municipio, PR

25 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: 25
Branch here: 1
Serve all of PR: 0

None of the lender websites we read names San Juan 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: Carolina, Guaynabo, San Juan.

Lenders compared for San Juan municipio

41 with local records

Lender	Local records	Loan sizes	Head office
1. Caribe Federal Credit Union Credit union, San Juan PR	headquarters here; 4 offices here; 18 home loans here, 2025	ask	in the county
2. Corporacion Para El Financiamiento Empresarial Del Comercio Y De Las Comunidades (COFECC) Loan fund, San Juan PR	headquarters here; 38 SBA loans here, FY2020–FY2026	$500–$5.5M	in the county
3. Cooperativa de Ahorro y Credito La Puertorriquena Credit union, San Juan PR	headquarters here; 16 home loans here, 2025	ask	in the county
4. COOPERATIVA DE AHORRO Y CREDITO DE MANATI Credit union, Manati PR	3 SBA loans here, FY2020–FY2026; 5 home loans here, 2025	ask	26 mi
5. PUERTO RICO FEDERAL CREDIT UNION Credit union, San Juan PR	headquarters here; 1 office here	ask	in the county
6. Cooperativa De Ahorro y Credito La Sagrada Familia Credit union, Corozal PR	9 home loans here, 2025	$100–$100,000	17 mi
7. Cooperativa de Ahorro y Credito de Rincon Credit union, Rincon PR	9 home loans here, 2025	ask	76 mi
8. Cooperativa de Ahorro y Credito Oriental Credit union, Humacao PR	8 home loans here, 2025	ask	28 mi
9. Cooperativa de A/C Dr M Zeno Gandia Credit union, Arecibo PR	8 home loans here, 2025	ask	41 mi
10. Cooperativa de Ahorro y Credito Caguas Credit union, Caguas PR	7 home loans here, 2025	ask	16 mi
11. Cooperativa de Ahorro y Credito de Camuy Credit union, Camuy PR	7 home loans here, 2025	ask	49 mi
12. Cooperativa de Ahorro y Credito de Arecibo d/b/a COOPACA Credit union, Arecibo PR	6 home loans here, 2025	ask	41 mi
13. Cooperativa de Ahorro y Credito Jesus Obrero Credit union, Caguas PR	5 home loans here, 2025	ask	16 mi
14. Cooperativa de Ahorro y Credito Hatillo Credit union, Hatillo PR	5 home loans here, 2025	ask	48 mi
15. Cooperativa de Ahorro y Credito Vega Alta Credit union, Vega Alta PR	4 home loans here, 2025	ask	16 mi
16. COOPERATIVA DE AHORRO Y CREDITO LAS PIEDRAS Credit union, Las Piedras PR	4 home loans here, 2025	ask	24 mi
17. Cooperativa de Ahorro y Credito Aibonitena Credit union, Aibonito PR	3 home loans here, 2025	ask	25 mi
18. Cooperativa de Ahorro y Credito San Jose Credit union, Aibonito PR	3 home loans here, 2025	ask	25 mi
19. Cooperativa De Ahorro Y Credito De Lares Credit union, Lares PR	3 home loans here, 2025	ask	52 mi
20. Vapr Federal Credit Union Credit union, Guaynabo PR	1 office here	ask	7 mi
21. COOP CIAPR Credit union, San Juan PR	headquarters here	ask	in the county
22. COOPERATIVA DE AHORRO Y CREDITO ANA G. MENDEZ Credit union, San Juan PR	headquarters here	ask	in the county
23. COOPERATIVA DE AHORRO Y CREDITO CUPEY ALTO Credit union, Cupey Alto PR	headquarters here	up to $20,000	in the county
24. COOPERATIVA DE AHORRO Y CREDITO DE LA FEDERACION DE MAESTROS DE PUERTO RICO (FEDECOOP) Credit union, Rio Piedras PR	headquarters here	ask	in the county
25. COOPERATIVA DE AHORRO Y CREDITO DE LA UNIVERSIDAD DE PUERTO RICO (UNIVERSICOOP) Credit union, San Juan PR	headquarters here	ask	in the county
26. COOPERATIVA DE AHORRO Y CREDITO DEL TRIBUNAL GENERAL DE JUSTICIA (JUDICOOP) Credit union, San Juan PR	headquarters here	ask	in the county
27. COOPERATIVA DE AHORRO Y CREDITO UITICE, INC; ELECTRO-COOP (COOPERATIVA DE AHORRO Credit union, San Juan PR	headquarters here	ask	in the county
28. COOPERATIVA DE AHORRO Y CRÉDITO RICO DAIRY, INC. Credit union, San Juan PR	headquarters here	$500–$50,000	in the county
29. Cooperativa De Ahorro Y Credito De La Asociacion De Maestros De Puerto Rico Credit union, San Juan PR	headquarters here	ask	in the county
30. Cooperativa De Ahorro Y Credito De Los Empleados De La Corporacion Del Fondo Del Seguro De Estado Credit union, San Juan PR	headquarters here	$500–$60,000	in the county

11 more lenders with local records are listed further down.

39 of these 41 lenders have received CDFI Fund awards, together $154.8M in fiscal years 2009–2024 (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

35 lenders

35 head offices and 7 branches or offices of 35 lenders on this page, within 30 miles of the centre of San Juan municipio. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Personal / consumer loans (9 lenders)
Auto / vehicle loans (8 lenders)
Energy / solar / efficiency loans (6 lenders)
Home mortgages (4 lenders)
Small-dollar / emergency loans (3 lenders)
Credit-builder loans (3 lenders)
Commercial real estate loans (2 lenders)
SBA-backed loans (7(a)/504/Community Advantage) (2 lenders)

Banks and credit unions with a branch in this county

3 certified CDFIs have at least one office in San Juan 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 127 originated home loans for properties in San Juan municipio in 2025 under the Home Mortgage Disclosure Act: 6.9% of the 1,851 home loans that all HMDA lenders reported here.

Plus 6 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 San Juan municipio

Official statistics

Median household income in San Juan municipio is $27,992, 6% above the Puerto Rico figure of $26,297 (ACS 2020–2024).

Measure	San Juan municipio	Puerto Rico
Median household income (ACS 2020–2024)	$27,992 (6% above the state)	$26,297
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	765 (667 7(a), 98 504)	3,429
Median SBA 7(a) loan, all lenders	$100,000	$75,000
…with a certified CDFI as lender, CDC or third-party lender	45 (6%)	178 (5%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	3.5 pts (257 loans; 12% at the SBA maximum)	3.75 pts (9% at the maximum)

Approvals by fiscal year: FY2020 71 · FY2021 107 · FY2022 76 · FY2023 130 · FY2024 131 · FY2025 112 · FY2026 138.

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 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 45 SBA approvals (5 7(a) loans and 40 504 projects) for borrowers in San Juan municipio in fiscal years 2020–2026, from 6 CDFIs. The 7(a) loans total $513,300 approved.

CDFIs with 3 or more: Corporacion Para El Financiamiento Empresarial Del Comercio Y De Las Comunidades (COFECC) (38), COOPERATIVA DE AHORRO Y CREDITO DE MANATI (3). 4 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 2024

207 loans and investments totaling $52M (median $119,000) were reported to the CDFI Fund for borrowers and projects in San Juan municipio in fiscal year 2022, by 21 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home purchase	143	$25.8M	$111,000
Non-real estate business	44	$24.6M	$152,500
Non-real estate microenterprise	12	$232,092	$19,190
None of the listed purposes	6	$946,900	$125,700

CDFI banks and credit unions also reported 3,929 consumer loans in San Juan municipio totaling $71.4M (Consumer Loan Report, tract totals, so no median); they counted 21% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2020 359 · FY2021 114.

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 San Juan municipio

The official list gives a headquarters address here. Check each lender's page for where it lends.

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

Housing counseling

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.