Dossier Especial de Liderazgo Hipotecario
Corte SBS: Junio 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/ 74,809.95 M
97.16% de la Cartera Nacional
Cuadro de Honor: Las 3 Entidades Líderes del Sistema
🥇 1° Puesto Nacional
32.36% Cuota
BANCO DE CREDITO DEL PERÚ
S/ 24,915.68 MHipotecas:90,124 hipotecas
Ticket Promedio:S/ 276,460
Cartera Normal:94.14%
🥈 2° Puesto Nacional
24.97% Cuota
BANCO BBVA PERÚ
S/ 19,225.04 MHipotecas:64,248 hipotecas
Ticket Promedio:S/ 299,232
Cartera Normal:94.96%
🥉 3° Puesto Nacional
15.18% Cuota
BANCO INTERNACIONAL DEL PERÚ
S/ 11,689.13 MHipotecas:52,655 hipotecas
Ticket Promedio:S/ 221,995
Cartera Normal:94.26%
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/ 24,915,683,088.00 | 32.36% | 90,124 | 86,753 | S/ 276,460 | 94.14% | 4.57% |
| 2 | BANCO BBVA PERÚ | S/ 19,225,035,110.00 | 24.97% | 64,248 | 62,431 | S/ 299,232 | 94.96% | 4.00% |
| 3 | BANCO INTERNACIONAL DEL PERÚ | S/ 11,689,132,214.00 | 15.18% | 52,655 | 51,845 | S/ 221,995 | 94.26% | 4.34% |
| 4 | SCOTIABANK PERU S A A | S/ 11,495,906,097.00 | 14.93% | 40,161 | 39,153 | S/ 286,246 | 90.98% | 7.33% |
| 5 | BANCO INTERAMERICANO DE FINANZAS | S/ 3,707,228,122.00 | 4.81% | 19,665 | 19,383 | S/ 188,519 | 92.99% | 5.90% |
| 6 | BANCO PICHINCHA | S/ 1,582,591,474.00 | 2.06% | 13,288 | 12,731 | S/ 119,099 | 87.71% | 8.36% |
| 7 | BANCO DE LA NACION | S/ 875,602,815.00 | 1.14% | 6,598 | 6,592 | S/ 132,707 | 97.76% | 1.35% |
| 8 | BANCO GNB PERU S.A. | S/ 572,199,391.00 | 0.74% | 5,249 | 5,106 | S/ 109,011 | 86.94% | 9.84% |
| 9 | CAJA MUNICIPAL DE AHORRO Y CREDITO HUANCAYO | S/ 401,783,666.00 | 0.52% | 7,366 | 7,129 | S/ 54,546 | 85.47% | 12.93% |
| 10 | CAJA MUNICIPAL DE AHORRO Y CREDITO PIURA | S/ 344,783,802.00 | 0.45% | 3,525 | 3,503 | S/ 97,811 | 85.27% | 13.00% |
| TOTAL TOP 10 (CONSOLIDADO) | S/ 74,809.95 M | 97.16% | 302,879 | 294,626 | S/ 246,996 | 93.59% | 5.04% | |
Concentración Geográfica Líder: Top 10 Regiones y Distritos
Top 10 Departamentos
| # | Departamento | Créditos | Saldo (S/.) | % Cuota |
|---|---|---|---|---|
| LIMA | 196,157 | S/ 53,164,577,072.00 | 69.05% | |
| AREQUIPA | 15,910 | S/ 3,495,053,072.00 | 4.54% | |
| LA LIBERTAD | 16,575 | S/ 3,088,692,155.00 | 4.01% | |
| CALLAO | 12,332 | S/ 2,390,753,772.00 | 3.11% | |
| NO ESPECIFICADO | 6,769 | S/ 2,198,682,503.00 | 2.86% | |
| LAMBAYEQUE | 13,277 | S/ 1,769,495,705.00 | 2.30% | |
| PIURA | 13,659 | S/ 1,655,804,455.00 | 2.15% | |
| ICA | 12,492 | S/ 1,393,284,099.00 | 1.81% | |
| JUNIN | 7,497 | S/ 1,280,015,069.00 | 1.66% | |
| CUSCO | 4,883 | S/ 1,129,515,089.00 | 1.47% |
Top 10 Distritos Líderes
| # | Distrito | Dpto | Créditos | Saldo (S/.) |
|---|---|---|---|---|
| SANTIAGO DE SURCO | LIMA | 19,636 | S/ 7,020,484,233.00 | |
| MIRAFLORES | LIMA | 11,144 | S/ 4,501,243,423.00 | |
| SAN BORJA | LIMA | 8,902 | S/ 3,331,526,486.00 | |
| LA MOLINA | LIMA | 8,436 | S/ 3,267,986,361.00 | |
| SAN ISIDRO | LIMA | 6,045 | S/ 2,995,798,605.00 | |
| JESUS MARIA | LIMA | 9,200 | S/ 2,480,587,566.00 | |
| SAN MIGUEL | LIMA | 9,608 | S/ 2,412,987,342.00 | |
| LIMA | LIMA | 9,583 | S/ 2,098,548,608.00 | |
| SAN MARTIN DE PORRES | LIMA | 9,255 | S/ 1,920,090,232.00 | |
| SAN JUAN DE LURIGANCHO | LIMA | 8,169 | S/ 1,881,461,440.00 |