# Cooperativa de Ahorro y Credito de Rincon

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


> **📋 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 Rincon is a independent mortgage company, headquartered in Rincon, PR, with 60 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 14% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 52% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300LW8UB33S1ZIF68
- **Headquarters:** Rincon, PR
- **Geographic Reach:** unknown
- **Markets (MSAs):** 2
- **Primary Channel:** mix
- **Direct Origination:** 73.2%
- **Brokered/Wholesale:** 26.8%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 86/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.544%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,301
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 60
- **Dollar Volume:** $9 million
- **Applications Received:** 71
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $148,000
- **Average Borrower Income:** $83,817
- **Average Property Value:** $220,000

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 60 | -0.544% | $2,301 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 34 loans, Score: 46/100 (Sound)
- Refinance: 26 loans, Score: 56/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 43/100 | 34 | $4M | -0.626% | Sound ☺️ |
| Refinance | 55/100 | 26 | $5M | -0.435% | Sound ☺️ |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Aguadilla, PR | PR | 35 | 75/100 |
| Mayaguez, PR | PR | 19 | 61/100 |

## Where This Lender Ranks

Cooperativa de Ahorro y Credito de Rincon appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Aguadilla, PR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/aguadilla-pr/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Mayaguez, PR for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/mayaguez-pr/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Aguadilla, PR for Conventional Loans
  - [View Full Rankings](https://saferate.com/aguadilla-pr/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Mayaguez, PR for Conventional Loans
  - [View Full Rankings](https://saferate.com/mayaguez-pr/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Aguadilla, PR
  - [View Full Rankings](https://saferate.com/aguadilla-pr/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Cooperativa de Ahorro y Credito de Rincon offer?

Cooperativa de Ahorro y Credito de Rincon 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 Rincon's mortgage rates?

Cooperativa de Ahorro y Credito de Rincon has a pricing score of 86/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.544% below market average.

### What type of lender is Cooperativa de Ahorro y Credito de Rincon?

Cooperativa de Ahorro y Credito de Rincon is a non-depository lender that specializes in mortgage origination, headquartered in Rincon, PR.

### What is Cooperativa de Ahorro y Credito de Rincon's loan approval success rate?

Cooperativa de Ahorro y Credito de Rincon has a pull-through score of 48/100 (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-rincon

### How to Cite

> "Cooperativa de Ahorro y Credito de Rincon Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cooperativa-de-ahorro-y-credito-de-rincon

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