Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia in Puerto Rico vs the state
18.0%Denial rate+2.19 pts vs state
23.3%Decision denial rate+4.83 pts vs state
59.0%Origination rate-8.26 pts vs state
6.50%Median rate+0.38 pts vs state
0.57Rate spread (pts)+0.51 pts vs state
$35kMedian applicant income
23Loans originated
7Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 43 | 28 | 34.9% | 7.44% | #40 |
| 2024 | 21 | 21 | 0.0% | 6.63% | #51 |
| 2025 | 39 | 23 | 18.0% | 6.50% | #41 |
What Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia 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 Dr. Manuel Zeno Gandia applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Arecibo Municipio | 14 | 7 | 3 | 21.4% |
| San Juan Municipio | 10 | 8 | 2 | 20.0% |
| Carolina Municipio | 4 | 1 | 2 | 50.0% |
| Hatillo Municipio | 2 | 2 | 0 | 0.0% |
| Barceloneta Municipio | 2 | 1 | 0 | 0.0% |
| Bayamón Municipio | 1 | 1 | 0 | 0.0% |
| Luquillo Municipio | 1 | 1 | 0 | 0.0% |
| San Sebastián Municipio | 1 | 0 | 0 | 0.0% |
| Dorado Municipio | 1 | 1 | 0 | 0.0% |
| Fajardo 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: 39 applications in 2025, of which 23 were originated and 7 denied.
18.0% of all applications, or 23.3% of the applications it actually decided on. The Puerto Rico statewide average across all lenders was 15.8%.
The median rate on loans Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia originated in Puerto Rico in 2025 was 6.50%, against a statewide median of 6.13%.
About this data. Figures are Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia'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