Cooperativa de Ahorro Y Credito de Camuy in Puerto Rico vs the state
7.9%Denial rate-7.82 pts vs state
7.9%Decision denial rate-10.56 pts vs state
92.1%Origination rate+24.83 pts vs state
6.75%Median rate+0.63 pts vs state
0.31Rate spread (pts)+0.25 pts vs state
$58kMedian applicant income
174Loans originated
15Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 126 | 119 | 5.6% | 6.75% | #24 |
| 2024 | 146 | 109 | 6.9% | 6.95% | #23 |
| 2025 | 189 | 174 | 7.9% | 6.75% | #22 |
What Cooperativa de Ahorro Y Credito de Camuy 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 de Ahorro Y Credito de Camuy applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camuy Municipio | 40 | 35 | 5 | 12.5% |
| Arecibo Municipio | 26 | 23 | 3 | 11.5% |
| Quebradillas Municipio | 23 | 21 | 2 | 8.7% |
| Hatillo Municipio | 12 | 12 | 0 | 0.0% |
| Barceloneta Municipio | 9 | 9 | 0 | 0.0% |
| Isabela Municipio | 9 | 8 | 1 | 11.1% |
| Aguadilla Municipio | 7 | 7 | 0 | 0.0% |
| San Juan Municipio | 7 | 7 | 0 | 0.0% |
| Cabo Rojo Municipio | 7 | 7 | 0 | 0.0% |
| San Sebastián Municipio | 6 | 6 | 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: 189 applications in 2025, of which 174 were originated and 15 denied.
7.9% of all applications, or 7.9% of the applications it actually decided on. The Puerto Rico statewide average across all lenders was 15.8%.
The median rate on loans Cooperativa de Ahorro Y Credito de Camuy originated in Puerto Rico in 2025 was 6.75%, against a statewide median of 6.13%.
About this data. Figures are Cooperativa de Ahorro Y Credito de Camuy'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