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Cooperativa de Ahorro y Credito de Camuy

Independent Mortgage Company•Camuy, PRHQ•Direct•Reviews near you on Google

Cooperativa de Ahorro y Credito de Camuy has 96 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Acceptable
2/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
unknown · 3 mkts
Safe Rate Awards
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

Things to Think About

  • Pricing may be below industry average

Explore another lender or local market

Report Card

Cooperativa de Ahorro y Credito de Camuy performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Acceptable
+45.0 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Varies · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Exceptional
Volume94
Mix97.9%
Spread
+0.450%Above
Fees
$3,035Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Mediocre
Pull Through
Strong
Volume58
Mix60.4%
Spread
+0.522%Above
Fees
$2,677Fees
Refinance
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Exceptional
Volume38
Mix39.6%
Spread
+0.343%Above
Fees
$3,561Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
96
Applications
131
Volume
$13 million
Pricing & Closing
Avg Rate Spread
+0.450%
vs. market APOR
Avg Net Fees
$3,035
Origination − Credits
Pullthrough Rate
73.3%
Applications → Closed
Typical Borrower
Avg Loan Amount
$141,771
Avg Borrower Income
$84,104
Avg Property Value
$210,000

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
0
of 50 states + DC
Avg Place Specialization
Strong
4/5

Top Metro Areas by Place Specialization Score

1© Agentex · CC BY 2.0
Arecibo, PRMetro
Volume 57Mix 59.38% of portfolio
99/100
Exceptional
2© Wilfredor · CC0
San Juan, PRMetro
Volume 18Mix 18.75% of portfolio
53/100
Sound
3© Yarfpr · CC BY-SA 4.0
Aguadilla, PRMetro
Volume 12Mix 12.50% of portfolio
50/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.