Cooperativa de Ahorro Y Credito Vega Alta in Puerto Rico vs the state
7.7%Denial rate-8.07 pts vs state
9.9%Decision denial rate-8.62 pts vs state
70.2%Origination rate+2.96 pts vs state
7.00%Median rate+0.88 pts vs state
—Rate spread (pts)
$51kMedian applicant income
73Loans originated
8Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 121 | 111 | 0.8% | 6.50% | #25 |
| 2024 | 118 | 80 | 4.2% | 7.00% | #27 |
| 2025 | 104 | 73 | 7.7% | 7.00% | #29 |
What Cooperativa de Ahorro Y Credito Vega Alta 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 Vega Alta applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bayamón Municipio | 20 | 14 | 2 | 10.0% |
| Vega Alta Municipio | 15 | 10 | 1 | 6.7% |
| Dorado Municipio | 11 | 7 | 2 | 18.2% |
| Toa Alta Municipio | 11 | 10 | 0 | 0.0% |
| Toa Baja Municipio | 8 | 5 | 2 | 25.0% |
| San Juan Municipio | 5 | 4 | 0 | 0.0% |
| Vega Baja Municipio | 5 | 4 | 0 | 0.0% |
| Carolina Municipio | 4 | 2 | 0 | 0.0% |
| Naranjito Municipio | 4 | 2 | 0 | 0.0% |
| Comerío Municipio | 3 | 2 | 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: 104 applications in 2025, of which 73 were originated and 8 denied.
7.7% of all applications, or 9.9% 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 Vega Alta originated in Puerto Rico in 2025 was 7.00%, against a statewide median of 6.13%.
About this data. Figures are Cooperativa de Ahorro Y Credito Vega Alta'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