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Cooperativa de Ahorro y Credito de Lares

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

Cooperativa de Ahorro y Credito de Lares has 35 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
Pull-through
Acceptable
2/5
closing strength
Product
Acceptable
2/5
Conventional
Place
Active
unknown
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

Things to Think About

  • Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Cooperativa de Ahorro y Credito de Lares performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Acceptable
Bottom 40% of lenders
2/5
By Loan Product· Specialization by type
Conventional
33 loans
Acceptable
Bottom 40% of lenders
2/5
By Loan Purpose· Transaction purpose mix
Purchase
26 loans
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Varies · 1 markets
Acceptable
Bottom 40% of lenders
2/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing—
Pull Through
Sound
Volume33
Mix94.3%
Spread—
Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Acceptable
Pricing—
Pull Through
Sound
Volume26
Mix74.3%
Spread—
Fees—

At a Glance

Lender Overview

Lending Activity
Loans Originated
35
Applications
51
Volume
$2 million
Pricing & Closing
Pullthrough Rate
68.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$78,143
Avg Borrower Income
$39,571
Avg Property Value
$121,857

Geographic Coverage

Geographic Performance

Metro Areas
0
markets with activity
States Served
0
of 50 states + DC
Avg Place Specialization
N/A

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
Champion(80%+ = 40-50 points)
Superstar
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.