BANK
INSUFFICIENT VOLUME · DIRECTIONAL ONLY
Complaint rate · per 1,000 customersscale 0–10
Sector median 0.48 · Lowest in dataset 0.07
Complaint volume is below the threshold for confident scoring — position against peers shown is directional only.
Methodological confidence: HIGH · n=1,548 complaints over 14 years
Customer ratio
1 in 3,540
customers filed a federal complaint
Resolved with relief
12%
received monetary or non-monetary relief
Daily volume
0.3
complaints per day · 2011–2025 average
0.6× the sector median.
24-month trajectory · monthly complaint rate
Where complaints concentrate · top 3 product categories
Mortgages
0.09/1k
514
Checking & savings
0.07/1k
376
Credit cards
0.05/1k
265
5 nearest rates in scored dataset
0.22/1k
0.28/1k
0.29/1k
0.30/1k
0.34/1k
Federal data sources
CFPB↗OCC↗FDIC↗FTC↗Independent analysis · not affiliated with any government agencyWHAT THIS MEANS FOR YOU
BANCO POPULAR DE PUERTO RICO is a low-risk institution based on federal complaint data.
At 0.28 complaints per 1,000 customers, this institution is below our low-risk threshold of 0.50 — placing it among the better performers in our dataset of 2,333 scored US financial institutions. Complaint rates are normalised for institution size, so this score is directly comparable across banks large and small. The High confidence rating means this score is based on substantial complaint volume and is statistically reliable.
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Always review your specific product category and the complaint breakdown below, as overall rates can mask issues in specific areas like credit cards or mortgages.
Most common words in federal complaints about BANCO POPULAR DE PUERTO RICO
becausereportpaymentspayneverpropertymoneyclaimonlypaid
Extracted from 578 consumer complaint narratives · CFPB database
Complaint Profile
Rate / 1,000 customersCFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.0.28/1k
Total complaints (2011–2025)Total complaints filed with the CFPB since 2011. Use the rate above for a fair cross-institution comparison.1,548
Year-on-year changeChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.+20%worsening
Timely response rate% of CFPB complaints answered within the required timeframe. Below 90% indicates the institution is failing basic regulatory obligations.99.7%
Complaint rate normalised per 1,000 estimated customers. Lower is better. National median ≈ 0.30/1k for well-rated institutions.
Regulatory Enforcement Record
OCC (Office of the Comptroller)
Federal ReserveCivil Money Penalty $10,000
CFPB (Consumer Financial)
FinCEN (Anti-money laundering)
FTC (Federal Trade Commission)
HUD (Mortgage Review Board)
GSE Suspension
● Red dot = active or recent enforcement action by that federal agency. This means regulators found systemic problems serious enough to take formal action.
Financial Health Indicators
Call Report financial data not available for this institution. This data covers the 59 largest institutions in our database.
HMDA Mortgage Fair Lending· 2023
Mortgage denial rateOverall mortgage application denial rate. Includes home purchase, refinance, and home improvement loans. Source: FFIEC HMDA data.26.3%
Denial rate — White applicants25.7%
Denial rate — Black applicants31.2%
Denial rate — Hispanic applicants26.3%
Racial disparity indexBlack applicant denial rate divided by White applicant denial rate. 1.0 = equal treatment. Above 1.5 = significant disparity flagged in fair lending research. Source: FFIEC HMDA.1.22×↑ moderate disparity
Based on 2,599 mortgage applications· FFIEC HMDA 2023
Top Complaint Categories
1390%
1040%
700%
Breakdown of complaint types filed with the CFPB by customers of this institution. Use this to understand which products or services generate the most problems.
Timely response rate99.7%✓ good
% of CFPB complaints answered within the required timeframe. Below 90% is a warning sign.
Risk Flags
Data Sources Used (23 Layers)
●CFPB Complaints
●OCC Enforcement
●Fed Enforcement
●CFPB Enforcement
●FinCEN / AML
●FDIC Failures
●HMDA Denial Rates
●CRA Rating
●TARP Bailout
●Call Report (NCO/T1)
●DFAST Stress Test
●FTC Enforcement
●HUD MRB
●GSE Suspension
Green = data available for this institution. Grey = source exists but no data for this institution in that category.
FULL DATA BREAKDOWN
COMPLAINT RATECFPB complaints per 1,000 estimated customers. Normalised for institution size — directly comparable across all banks. National median ≈ 0.30.
0.28/1k
National median ≈ 0.30/1k
Source: CFPB →ⓘHigh confidence
YEAR-ON-YEAR TRENDChange in complaint volume versus the prior 12 months. A rising rate is a warning sign even if the absolute level appears manageable.
↑ 20%
Worsening trend
HMDA DENIAL RATE% of mortgage applications denied under Home Mortgage Disclosure Act data. High denial rates may indicate overly restrictive lending practices.
26.3%
Mortgage applications denied
Source: FFIEC HMDA →RACIAL DISPARITY INDEXRatio of denial rates for non-white vs white applicants. 1.0 = equal treatment; above 1.5 indicates significant disparity. Source: CFPB HMDA data.
1.22×
Non-white vs white denial ratio
Source: FFIEC HMDA →CRA RATING
Satisfactory
Community Reinvestment Act · FFIEC
BETTER-RATED ALTERNATIVES
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Read the guide →Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›