Cooperativa A/C de Arecibo in Puerto Rico vs the state
11.2%Denial rate-4.52 pts vs state
13.3%Decision denial rate-5.17 pts vs state
73.0%Origination rate+5.80 pts vs state
6.20%Median rate+0.08 pts vs state
—Rate spread (pts)
$52kMedian applicant income
65Loans originated
10Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 207 | 117 | 20.8% | 5.75% | #22 |
| 2024 | 131 | 88 | 17.6% | 6.48% | #25 |
| 2025 | 89 | 65 | 11.2% | 6.20% | #31 |
What Cooperativa A/C de Arecibo lends in Puerto Rico
By loan purpose
By loan type
Why it denied Puerto Rico applicants
Where in Puerto Rico
Counties with the most Cooperativa A/C de Arecibo applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arecibo Municipio | 13 | 12 | 0 | 0.0% |
| San Juan Municipio | 9 | 6 | 2 | 22.2% |
| Hatillo Municipio | 5 | 4 | 0 | 0.0% |
| Guaynabo Municipio | 5 | 3 | 1 | 20.0% |
| Carolina Municipio | 5 | 2 | 0 | 0.0% |
| Toa Baja Municipio | 5 | 4 | 1 | 20.0% |
| Trujillo Alto Municipio | 4 | 2 | 2 | 50.0% |
| Caguas Municipio | 4 | 4 | 0 | 0.0% |
| Bayamón Municipio | 4 | 4 | 0 | 0.0% |
| Camuy Municipio | 4 | 3 | 0 | 0.0% |
Other large lenders in Puerto Rico
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Banco Popular de Puerto Rico | C | 3,894 | 20.4% | 6.25% |
| Firstbank Puerto Rico | C | 3,233 | 22.0% | 5.75% |
| Oriental Bank | C | 1,708 | 20.0% | 5.50% |
| The Money House | B | 1,602 | 10.8% | 6.00% |
| First Equity Mortgage Bankers | D | 1,517 | 17.7% | 6.00% |
| Preferred Mortgage | C | 732 | 11.6% | 5.75% |
| Hr Mortgage | D | 697 | 20.8% | 6.25% |
| Home Mortgage Bankers | C | 678 | 0.3% | 6.50% |
| Metro Island Mortgage | A | 588 | 0.2% | 5.75% |
| Trust Mortgage | C | 559 | 8.1% | 5.75% |
Frequently asked questions
Puerto Rico: 89 applications in 2025, of which 65 were originated and 10 denied.
11.2% of all applications, or 13.3% of the applications it actually decided on. The Puerto Rico statewide average across all lenders was 15.8%.
The median rate on loans Cooperativa A/C de Arecibo originated in Puerto Rico in 2025 was 6.20%, against a statewide median of 6.13%.
About this data. Figures are Cooperativa A/C de Arecibo's own HMDA filing for properties located in Puerto Rico, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology