Cooperativa de Ahorro Y Credito de Isabela in Puerto Rico vs the state
9.1%Denial rate-6.67 pts vs state
11.0%Decision denial rate-7.51 pts vs state
73.6%Origination rate+6.41 pts vs state
5.99%Median rate-0.13 pts vs state
—Rate spread (pts)
$52kMedian applicant income
81Loans originated
10Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 56 | 1.5% | 5.69% | #33 |
| 2024 | 156 | 122 | 9.6% | 5.99% | #22 |
| 2025 | 110 | 81 | 9.1% | 5.99% | #28 |
What Cooperativa de Ahorro Y Credito de Isabela 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 Isabela applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Aguadilla Municipio | 36 | 26 | 3 | 8.3% |
| Isabela Municipio | 20 | 17 | 1 | 5.0% |
| Aguada Municipio | 7 | 3 | 1 | 14.3% |
| Quebradillas Municipio | 6 | 5 | 1 | 16.7% |
| Arecibo Municipio | 6 | 5 | 0 | 0.0% |
| Bayamón Municipio | 5 | 4 | 0 | 0.0% |
| Camuy Municipio | 4 | 3 | 1 | 25.0% |
| Moca Municipio | 4 | 4 | 0 | 0.0% |
| Cabo Rojo Municipio | 2 | 1 | 0 | 0.0% |
| San Sebastián Municipio | 2 | 2 | 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: 110 applications in 2025, of which 81 were originated and 10 denied.
9.1% of all applications, or 11.0% 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 Isabela originated in Puerto Rico in 2025 was 5.99%, against a statewide median of 6.13%.
About this data. Figures are Cooperativa de Ahorro Y Credito de Isabela'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