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 score and performance metrics.

How competitive are Cooperativa de Ahorro y Credito de Camuy's mortgage rates?

Cooperativa de Ahorro y Credito de Camuy has an overall pricing score of 22.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Cooperativa de Ahorro y Credito de Camuy?

Cooperativa de Ahorro y Credito de Camuy is a Independent Mortgage Company headquartered in Camuy, PR.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

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

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

94 loans · 0.45% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

58 loans · 0.52% above market

Sound

Top 60% of lenders

3/5

Refinance

38 loans · 0.34% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Varies · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Exceptional	94	97.9%	+0.450%Above	$3,035Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Mediocre	Strong	58	60.4%	+0.522%Above	$2,677Fees
Refinance	Sound	Strong	Acceptable	Exceptional	38	39.6%	+0.343%Above	$3,561Fees

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

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

Top Metro Areas by Place Specialization Score

Arecibo, PRMetro

Volume 57Mix 59.38% of portfolio

99/100

Exceptional

San Juan, PRMetro

Volume 18Mix 18.75% of portfolio

53/100

Sound

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 the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

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

Looking for a different lender?

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.