Dossier Especial de Liderazgo Hipotecario
Corte SBS: Mayo 2026
Reporte Top 10: Líderes en Crédito Hipotecario
Benchmarking de las Entidades Financieras que dominan el Financiamiento Habitacional y Préstamos MiVivienda en el Perú.
Concentración Top 10
S/ 74,355.48 M
97.15% de la Cartera Nacional
Cuadro de Honor: Las 3 Entidades Líderes del Sistema
🥇 1° Puesto Nacional
32.31% Cuota
BANCO DE CREDITO DEL PERÚ
S/ 24,728.61 MHipotecas:89,694 hipotecas
Ticket Promedio:S/ 275,700
Cartera Normal:94.30%
🥈 2° Puesto Nacional
24.98% Cuota
BANCO BBVA PERÚ
S/ 19,116.27 MHipotecas:63,884 hipotecas
Ticket Promedio:S/ 299,234
Cartera Normal:95.01%
🥉 3° Puesto Nacional
15.18% Cuota
BANCO INTERNACIONAL DEL PERÚ
S/ 11,617.66 MHipotecas:52,353 hipotecas
Ticket Promedio:S/ 221,910
Cartera Normal:94.60%
Ranking Oficial Top 10 Instituciones
Cifras en Soles (S/.)| # | Entidad Financiera | Saldo Colocado (S/.) | Cuota (%) | Créditos | Clientes | Ticket Prom. | % Normal | % Pesada |
|---|---|---|---|---|---|---|---|---|
| 1 | BANCO DE CREDITO DEL PERÚ | S/ 24,728,612,063.35 | 32.31% | 89,694 | 86,325 | S/ 275,700 | 94.30% | 4.60% |
| 2 | BANCO BBVA PERÚ | S/ 19,116,267,764.18 | 24.98% | 63,884 | 62,709 | S/ 299,234 | 95.01% | 3.88% |
| 3 | BANCO INTERNACIONAL DEL PERÚ | S/ 11,617,655,521.79 | 15.18% | 52,353 | 51,682 | S/ 221,910 | 94.60% | 4.19% |
| 4 | SCOTIABANK PERU S A A | S/ 11,442,042,030.87 | 14.95% | 40,155 | 38,969 | S/ 284,947 | 91.05% | 7.34% |
| 5 | BANCO INTERAMERICANO DE FINANZAS | S/ 3,683,368,202.63 | 4.81% | 19,538 | 19,266 | S/ 188,523 | 93.10% | 5.90% |
| 6 | BANCO PICHINCHA | S/ 1,582,913,047.03 | 2.07% | 13,332 | 12,776 | S/ 118,730 | 87.51% | 8.21% |
| 7 | BANCO DE LA NACION | S/ 868,385,385.90 | 1.13% | 6,568 | 6,562 | S/ 132,215 | 97.85% | 1.53% |
| 8 | BANCO GNB PERU S.A. | S/ 568,960,491.22 | 0.74% | 5,233 | 5,124 | S/ 108,725 | 87.56% | 9.53% |
| 9 | CAJA MUNICIPAL DE AHORRO Y CREDITO HUANCAYO | S/ 401,335,195.57 | 0.52% | 7,410 | 7,159 | S/ 54,161 | 85.11% | 13.22% |
| 10 | CAJA MUNICIPAL DE AHORRO Y CREDITO PIURA | S/ 345,937,195.77 | 0.45% | 3,539 | 3,517 | S/ 97,750 | 85.36% | 12.88% |
| TOTAL TOP 10 (CONSOLIDADO) | S/ 74,355.48 M | 97.15% | 301,706 | 294,089 | S/ 246,450 | 93.72% | 5.00% | |
Concentración Geográfica Líder: Top 10 Regiones y Distritos
Top 10 Departamentos
| # | Departamento | Créditos | Saldo (S/.) | % Cuota |
|---|---|---|---|---|
| LIMA | 186,416 | S/ 49,803,645,183.80 | 65.07% | |
| NO ESPECIFICADO | 19,260 | S/ 6,157,416,498.09 | 8.04% | |
| AREQUIPA | 15,440 | S/ 3,337,043,023.33 | 4.36% | |
| LA LIBERTAD | 16,060 | S/ 2,925,101,063.03 | 3.82% | |
| CALLAO | 11,862 | S/ 2,280,370,579.20 | 2.98% | |
| LAMBAYEQUE | 12,919 | S/ 1,700,960,343.36 | 2.22% | |
| PIURA | 13,192 | S/ 1,573,073,778.24 | 2.06% | |
| ICA | 12,357 | S/ 1,340,156,089.79 | 1.75% | |
| JUNIN | 7,275 | S/ 1,216,901,449.92 | 1.59% | |
| CUSCO | 4,686 | S/ 1,066,937,612.73 | 1.39% |
Top 10 Distritos Líderes
| # | Distrito | Dpto | Créditos | Saldo (S/.) |
|---|---|---|---|---|
| SANTIAGO DE SURCO | LIMA | 18,427 | S/ 6,537,630,115.95 | |
| MIRAFLORES | LIMA | 10,551 | S/ 4,228,249,119.89 | |
| SAN BORJA | LIMA | 8,331 | S/ 3,072,354,092.57 | |
| LA MOLINA | LIMA | 7,895 | S/ 3,023,037,839.06 | |
| SAN ISIDRO | LIMA | 5,681 | S/ 2,790,897,443.70 | |
| JESUS MARIA | LIMA | 8,687 | S/ 2,306,889,862.03 | |
| SAN MIGUEL | LIMA | 9,198 | S/ 2,267,872,124.47 | |
| LIMA | LIMA | 9,253 | S/ 2,006,798,638.10 | |
| SAN MARTIN DE PORRES | LIMA | 8,871 | S/ 1,813,756,802.06 | |
| SAN JUAN DE LURIGANCHO | LIMA | 7,793 | S/ 1,763,356,396.08 |