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COOPERATIVA DE AHORRO Y CREDITO DE ISABELA
Independent Mortgage Company|ISABEL, PR|unknown
Loans Originated
119
Applications
152
Volume
$16 million
Offers loans directly to consumers
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Pullthrough Rate
78.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
Report Card
COOPERATIVA DE AHORRO Y CREDITO DE ISABELA performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Sound | Industry Standard | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Varies · 4 metro areas · 0 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$142,731
Average Borrower Income
$92,143
Average Property Value
$190,798
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | N/A | Exceptional | 118 | 99.2% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Sound | N/A | Strong | 46 | 38.7% | — | — |
Refinance | Strong | Strong | N/A | Exceptional | 73 | 61.3% | — | — |
Geographic Coverage
Metro Areas
4
States Served
0
We count Washington DC as a state
Avg Place Specialization
Strong
Top Metro Areas by Place Specialization Score
1
Aguadilla, PR, PRMSA
Volume: 75Mix: 63.03%
Place Specialization
Exceptional
2
San Juan, PRMSA
Volume: 18Mix: 15.13%
Place Specialization
Sound
3
Mayaguez, PR, PRMSA
Volume: 12Mix: 10.08%
Place Specialization
Sound
4
Arecibo, PR, PRMSA
Volume: 13Mix: 10.92%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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