Cooperativa de Ahorro Y Credito del Valenciano in Puerto Rico vs the state
0.0%Denial rate-15.76 pts vs state
0.0%Decision denial rate-18.50 pts vs state
88.9%Origination rate+21.66 pts vs state
6.75%Median rate+0.63 pts vs state
—Rate spread (pts)
$64kMedian applicant income
16Loans originated
0Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 20 | 14 | 10.0% | 6.00% | #49 |
| 2024 | 11 | 6 | 45.5% | 6.63% | #55 |
| 2025 | 18 | 16 | 0.0% | 6.75% | #55 |
What Cooperativa de Ahorro Y Credito del Valenciano lends in Puerto Rico
By loan purpose
By loan type
Where in Puerto Rico
Counties with the most Cooperativa de Ahorro Y Credito del Valenciano applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Juncos Municipio | 6 | 5 | 0 | 0.0% |
| Yabucoa Municipio | 2 | 2 | 0 | 0.0% |
| Lajas Municipio | 2 | 1 | 0 | 0.0% |
| Las Piedras Municipio | 2 | 2 | 0 | 0.0% |
| Fajardo Municipio | 2 | 2 | 0 | 0.0% |
| Cidra Municipio | 1 | 1 | 0 | 0.0% |
| Cabo Rojo Municipio | 1 | 1 | 0 | 0.0% |
| Gurabo Municipio | 1 | 1 | 0 | 0.0% |
| San Juan Municipio | 1 | 1 | 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: 18 applications in 2025, of which 16 were originated and 0 denied.
0.0% of all applications, or 0.0% 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 del Valenciano 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 del Valenciano'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