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Cooperativa de Ahorro y Credito de Rincon

Independent Mortgage Company•Rincon, PRHQ•Direct & Wholesale•Reviews near you on Google

Cooperativa de Ahorro y Credito de Rincon has 60 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
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Sound
3/5
Conventional
Place
Strong
4/5
unknown · 2 mkts
Safe Rate Awards
Refinance Champion
Refinance
Champion
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 54.40 basis points below market average

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Report Card

Cooperativa de Ahorro y Credito de Rincon performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 54.4 bps below 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
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Varies · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Exceptional
Volume60
Mix100.0%
Spread
-0.544%Below
Fees
$2,301Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Exceptional
Volume34
Mix56.7%
Spread
-0.626%Below
Fees
$1,929Fees
Refinance
Overall
Exceptional
Product
Sound
Pricing
Exceptional
Pull Through
Exceptional
Volume26
Mix43.3%
Spread
-0.435%Below
Fees
$2,796Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
60
Applications
71
Volume
$8 million
Pricing & Closing
Avg Rate Spread
-0.544%
vs. market APOR
Avg Net Fees
$2,301
Origination − Credits
Pullthrough Rate
84.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$148,000
Avg Borrower Income
$83,817
Avg Property Value
$220,000

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
0
of 50 states + DC
Avg Place Specialization
Strong
4/5

Top Metro Areas by Place Specialization Score

1© Yarfpr · CC BY-SA 4.0
Aguadilla, PRMetro
Volume 35Mix 58.33% of portfolio
75/100
Strong
2© Rody PR · CC BY-SA 4.0
Mayaguez, PRMetro
Volume 19Mix 31.67% of portfolio
61/100
Strong

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.