# Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia

> **Canonical URL:** https://saferate.com/lenders/cooperativa-de-ahorro-y-credito-dr-manuel-zeno-gandia


> **📋 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 Dr. Manuel Zeno Gandia is a independent mortgage company, headquartered in Arecibo, PR, with 21 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 2549001FVJ5MZI4YAE11
- **Headquarters:** Arecibo, PR
- **Geographic Reach:** unknown
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 21
- **Dollar Volume:** $2 million
- **Applications Received:** 21
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $89,286
- **Average Borrower Income:** $41,952
- **Average Property Value:** $140,714

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 21/100 | 20 | +0.469% | $3,229 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 20 loans, Score: 24/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 23/100 | 21 | $2M | +0.469% | Acceptable 🙂 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Juan | PR | 14 | 54/100 |

## Frequently Asked Questions

### What loan types does Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia offer?

Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### What type of lender is Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia?

Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia is a non-depository lender that specializes in mortgage origination, headquartered in Arecibo, PR.

### What is Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia's loan approval success rate?

Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia has a pull-through score of 33/100 (Acceptable). 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-dr-manuel-zeno-gandia

### How to Cite

> "Cooperativa De Ahorro Y Credito Dr. Manuel Zeno Gandia Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cooperativa-de-ahorro-y-credito-dr-manuel-zeno-gandia

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