Cooperativa de Ahorro Y Credito de Manati in Puerto Rico vs the state
8.6%Denial rate-7.14 pts vs state
9.1%Decision denial rate-9.41 pts vs state
86.2%Origination rate+18.98 pts vs state
6.95%Median rate+0.83 pts vs state
0.57Rate spread (pts)+0.51 pts vs state
$52kMedian applicant income
100Loans originated
10Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 81 | 67 | 2.5% | 7.00% | #31 |
| 2024 | 99 | 73 | 5.1% | 7.25% | #29 |
| 2025 | 116 | 100 | 8.6% | 6.95% | #27 |
What Cooperativa de Ahorro Y Credito de Manati 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 Manati applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Manatí Municipio | 32 | 27 | 4 | 12.5% |
| Vega Baja Municipio | 16 | 12 | 2 | 12.5% |
| Barceloneta Municipio | 11 | 10 | 0 | 0.0% |
| Ciales Municipio | 8 | 6 | 1 | 12.5% |
| Vega Alta Municipio | 7 | 7 | 0 | 0.0% |
| Morovis Municipio | 7 | 6 | 0 | 0.0% |
| San Juan Municipio | 7 | 5 | 2 | 28.6% |
| Carolina Municipio | 4 | 3 | 1 | 25.0% |
| Arecibo Municipio | 3 | 3 | 0 | 0.0% |
| Dorado Municipio | 3 | 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: 116 applications in 2025, of which 100 were originated and 10 denied.
8.6% of all applications, or 9.1% 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 Manati originated in Puerto Rico in 2025 was 6.95%, against a statewide median of 6.13%.
About this data. Figures are Cooperativa de Ahorro Y Credito de Manati'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