Cooperativa de Ahorro Y Credito LA Puertorriqueña in Puerto Rico vs the state
6.8%Denial rate-8.93 pts vs state
8.3%Decision denial rate-10.17 pts vs state
75.2%Origination rate+7.93 pts vs state
6.25%Median rate+0.13 pts vs state
0.55Rate spread (pts)+0.48 pts vs state
$44kMedian applicant income
121Loans originated
11Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 236 | 193 | 0.9% | 7.00% | #20 |
| 2024 | 196 | 153 | 2.0% | 7.00% | #18 |
| 2025 | 161 | 121 | 6.8% | 6.25% | #24 |
What Cooperativa de Ahorro Y Credito LA Puertorriqueña 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 LA Puertorriqueña applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Juan Municipio | 22 | 16 | 3 | 13.6% |
| Carolina Municipio | 20 | 14 | 2 | 10.0% |
| Bayamón Municipio | 13 | 11 | 1 | 7.7% |
| Arecibo Municipio | 8 | 8 | 0 | 0.0% |
| Morovis Municipio | 8 | 8 | 0 | 0.0% |
| Caguas Municipio | 7 | 4 | 0 | 0.0% |
| Vega Baja Municipio | 7 | 6 | 0 | 0.0% |
| San Lorenzo Municipio | 7 | 4 | 0 | 0.0% |
| Toa Baja Municipio | 7 | 6 | 0 | 0.0% |
| Gurabo Municipio | 7 | 6 | 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: 161 applications in 2025, of which 121 were originated and 11 denied.
6.8% of all applications, or 8.3% 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 LA Puertorriqueña originated in Puerto Rico in 2025 was 6.25%, against a statewide median of 6.13%.
About this data. Figures are Cooperativa de Ahorro Y Credito LA Puertorriqueña'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