Cooperativa de Ahorro Y Credito LA Puertorriqueña at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
56th8.3% deniedPricingmedian rate spread over APOR, weight 30%
26th0.55 ptsProcesswithdrawn + incomplete share, weight 15%
25th18.0%Closing coststotal loan costs ÷ loan amount, weight 10%
0th8.76% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 237 | 194 | 0.8% | 1.0% | 7.00% | $22M |
| 2024 | 196 | 153 | 2.0% | 2.6% | 7.00% | $22M |
| 2025 | 161 | 121 | 6.8% | 8.3% | 6.25% | $18M |
What Cooperativa de Ahorro Y Credito LA Puertorriqueña lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 2 investment properties.
Why Cooperativa de Ahorro Y Credito LA Puertorriqueña denies applications
Primary reason reported for each of the 11 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Cooperativa de Ahorro Y Credito LA Puertorriqueña
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 94 | 68 | 9.3% |
| $50k – $100k | 47 | 34 | 10.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 64 | 48 | 4.0% |
| 35–44 | 30 | 27 | 6.9% |
| 45–54 | 30 | 22 | 4.4% |
| 55–64 | 22 | 15 | 16.7% |
Where Cooperativa de Ahorro Y Credito LA Puertorriqueña lends
1 states and 33 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Puerto Rico | 161 | 121 | 6.8% | 6.25% | #24 |
Frequently asked questions
Cooperativa de Ahorro Y Credito LA Puertorriqueña denied 8.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 56th percentile of small mortgage lenders.
The most common reason Cooperativa de Ahorro Y Credito LA Puertorriqueña gave in 2025 was "debt-to-income ratio", cited on 45.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Cooperativa de Ahorro Y Credito LA Puertorriqueña originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.55 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 94% of its applications were for home purchases, 6% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 12% conventional, 81% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.