Cooperativa de Ahorro Y Credito Las Piedras in Puerto Rico vs the state
1.8%Denial rate-13.94 pts vs state
2.8%Decision denial rate-15.72 pts vs state
63.6%Origination rate-3.59 pts vs state
6.25%Median rate+0.13 pts vs state
—Rate spread (pts)
$44kMedian applicant income
35Loans originated
1Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 52 | 32 | 19.2% | 6.25% | #37 |
| 2024 | 36 | 21 | 11.1% | 6.25% | #43 |
| 2025 | 55 | 35 | 1.8% | 6.25% | #39 |
What Cooperativa de Ahorro Y Credito Las Piedras 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 Las Piedras applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Las Piedras Municipio | 12 | 11 | 0 | 0.0% |
| San Juan Municipio | 5 | 4 | 0 | 0.0% |
| San Lorenzo Municipio | 4 | 2 | 0 | 0.0% |
| Humacao Municipio | 4 | 2 | 0 | 0.0% |
| Juncos Municipio | 4 | 1 | 1 | 25.0% |
| Cidra Municipio | 3 | 3 | 0 | 0.0% |
| Yabucoa Municipio | 3 | 1 | 0 | 0.0% |
| Canóvanas Municipio | 2 | 1 | 0 | 0.0% |
| Cayey Municipio | 2 | 1 | 0 | 0.0% |
| Caguas Municipio | 2 | 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: 55 applications in 2025, of which 35 were originated and 1 denied.
1.8% of all applications, or 2.8% 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 Las Piedras 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 Las Piedras'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