# COOPERATIVA DE AHORRO Y CREDITO DE CAMUY

> **Canonical URL:** https://saferate.com/lenders/cooperativa-de-ahorro-y-credito-de-camuy


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


COOPERATIVA DE AHORRO Y CREDITO DE CAMUY is a independent mortgage company, headquartered in Camuy, PR, with 96 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 78% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 55% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300T69MHCQOIC3F90
- **Headquarters:** Camuy, PR
- **Geographic Reach:** unknown
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 45/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.450%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,035
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 96
- **Dollar Volume:** $14 million
- **Applications Received:** 131
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $141,771
- **Average Borrower Income:** $84,104
- **Average Property Value:** $210,000

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 58/100 | 94 | +0.450% | $3,035 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 58 loans, Score: 54/100 (Sound)
- Refinance: 36 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 58 | $6M | +0.522% | Sound ☺️ |
| Refinance | 61/100 | 38 | $7M | +0.343% | Strong 😀 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Arecibo, PR | PR | 57 | 99/100 |
| San Juan | PR | 18 | 53/100 |
| Aguadilla, PR | PR | 12 | 50/100 |

## Where This Lender Ranks

COOPERATIVA DE AHORRO Y CREDITO DE CAMUY appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Arecibo, PR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arecibo-pr/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Arecibo, PR Mortgage Companies
  - [View Full Rankings](https://saferate.com/arecibo-pr/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Arecibo, PR for Conventional Loans
  - [View Full Rankings](https://saferate.com/arecibo-pr/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in San Juan for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Aguadilla, PR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/aguadilla-pr/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Arecibo, PR
  - [View Full Rankings](https://saferate.com/arecibo-pr/best-mortgage-lenders)
- 🏆 **#8** in Aguadilla, PR for Conventional Loans
  - [View Full Rankings](https://saferate.com/aguadilla-pr/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in San Juan for Conventional Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does COOPERATIVA DE AHORRO Y CREDITO DE CAMUY offer?

COOPERATIVA DE AHORRO Y CREDITO DE CAMUY offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### How competitive are COOPERATIVA DE AHORRO Y CREDITO DE CAMUY's mortgage rates?

COOPERATIVA DE AHORRO Y CREDITO DE CAMUY has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.450% above market average.

### What type of lender is COOPERATIVA DE AHORRO Y CREDITO DE CAMUY?

COOPERATIVA DE AHORRO Y CREDITO DE CAMUY is a non-depository lender that specializes in mortgage origination, headquartered in Camuy, PR.

### What is COOPERATIVA DE AHORRO Y CREDITO DE CAMUY's loan approval success rate?

COOPERATIVA DE AHORRO Y CREDITO DE CAMUY has a pull-through score of 45/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/cooperativa-de-ahorro-y-credito-de-camuy

### How to Cite

> "COOPERATIVA DE AHORRO Y CREDITO DE CAMUY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cooperativa-de-ahorro-y-credito-de-camuy

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