Cooperativa de Ahorro Y Credito Oriental in Puerto Rico vs the state
12.5%Denial rate-3.26 pts vs state
14.1%Decision denial rate-4.37 pts vs state
75.0%Origination rate+7.77 pts vs state
5.75%Median rate-0.38 pts vs state
-0.45Rate spread (pts)-0.51 pts vs state
$50kMedian applicant income
78Loans originated
13Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 66 | 12.9% | 6.75% | #28 |
| 2024 | 129 | 86 | 16.3% | 6.75% | #26 |
| 2025 | 104 | 78 | 12.5% | 5.75% | #30 |
What Cooperativa de Ahorro Y Credito Oriental 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 Oriental applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Caguas Municipio | 38 | 30 | 2 | 5.3% |
| Humacao Municipio | 10 | 7 | 3 | 30.0% |
| San Juan Municipio | 9 | 8 | 0 | 0.0% |
| Gurabo Municipio | 8 | 6 | 2 | 25.0% |
| Juncos Municipio | 4 | 2 | 2 | 50.0% |
| Aguas Buenas Municipio | 3 | 2 | 0 | 0.0% |
| Guaynabo Municipio | 3 | 2 | 0 | 0.0% |
| Bayamón Municipio | 2 | 1 | 1 | 50.0% |
| Carolina Municipio | 2 | 1 | 1 | 50.0% |
| San Lorenzo Municipio | 2 | 1 | 1 | 50.0% |
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: 104 applications in 2025, of which 78 were originated and 13 denied.
12.5% of all applications, or 14.1% 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 Oriental originated in Puerto Rico in 2025 was 5.75%, against a statewide median of 6.13%.
About this data. Figures are Cooperativa de Ahorro Y Credito Oriental'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