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Cooperativa de Ahorro y Credito la PuertorriqueñA

Credit UnionSan Juan, PRHQDirectReviews near you on Google

Cooperativa de Ahorro y Credito la PuertorriqueñA has 130 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · USDA
Place
Strong
4/5
unknown · 2 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and USDA loans

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Report Card

Cooperativa de Ahorro y Credito la PuertorriqueñA performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
FHA
Strong
Top 40% of lenders
USDA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
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

FHA Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Exceptional
Volume101
Mix77.7%
Spread
Fees
USDA Loans
Overall
Exceptional
Product
Strong
Pricing
Pull Through
Exceptional
Volume25
Mix19.2%
Spread
Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Pull Through
Strong
Volume126
Mix96.9%
Spread
Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
130
Applications
173
Volume
$18 million
Pricing & Closing
Pullthrough Rate
75.1%
Applications → Closed
Typical Borrower
Avg Loan Amount
$143,231
Avg Borrower Income
$60,231
Avg Property Value
$172,063

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© Wilfredor · CC0
San Juan, PRMetro
Volume 110Mix 84.62% of portfolio
74/100
Strong
2© Agentex · CC BY 2.0
Arecibo, PRMetro
Volume 16Mix 12.31% of portfolio
54/100
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.