Cooperativa De Credito Y Ahorro San Jose in Puerto Rico vs the state
11.1%Denial rate-4.65 pts vs state
11.1%Decision denial rate-7.39 pts vs state
88.9%Origination rate+21.66 pts vs state
6.38%Median rate+0.25 pts vs state
—Rate spread (pts)
$90kMedian applicant income
24Loans originated
3Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 22 | 7.1% | 5.95% | #45 |
| 2024 | 18 | 15 | 11.1% | 6.50% | #52 |
| 2025 | 27 | 24 | 11.1% | 6.38% | #49 |
What Cooperativa De Credito Y Ahorro San Jose 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 Credito Y Ahorro San Jose applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cayey Municipio | 6 | 5 | 1 | 16.7% |
| San Juan Municipio | 5 | 3 | 2 | 40.0% |
| Aibonito Municipio | 5 | 5 | 0 | 0.0% |
| Cidra Municipio | 5 | 5 | 0 | 0.0% |
| Guayama Municipio | 1 | 1 | 0 | 0.0% |
| Canóvanas Municipio | 1 | 1 | 0 | 0.0% |
| Bayamón Municipio | 1 | 1 | 0 | 0.0% |
| Caguas Municipio | 1 | 1 | 0 | 0.0% |
| Fajardo Municipio | 1 | 1 | 0 | 0.0% |
| Arecibo Municipio | 1 | 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: 27 applications in 2025, of which 24 were originated and 3 denied.
11.1% of all applications, or 11.1% 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 Credito Y Ahorro San Jose originated in Puerto Rico in 2025 was 6.38%, against a statewide median of 6.13%.
About this data. Figures are Cooperativa De Credito Y Ahorro San Jose'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