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Cooperativa De Ahorro Y Credito La Puertorriqueña

Credit UnionSan Juan, PRDirect to Consumer

Cooperativa De Ahorro Y Credito La Puertorriquea has 130 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pull Through
Strong
closing strength
Products
Strong
FHA · USDA
Place
Strong
unknown · 2 mkts

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Safe Rate's 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

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
N/A
No peer data
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
FHA
Strong
Highly Competitive
Top 40% of lenders
USDA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Varies2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
FHA Loans
Strong
Strong
Exceptional
10177.7%
USDA Loans
Strong
Strong
Exceptional
2519.2%

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Strong
12696.9%

At a Glance

Lender Overview

Lending Activity
Loans Originated
130
Applications
173
Volume
$18 million
Typical Borrower
Avg Loan Amount
$143,231
Avg Borrower Income
$60,231
Avg Property Value
$172,063

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
0
We count Washington DC as a state
Avg Place Specialization
Strong

Top Metro Areas by Place Specialization Score

1
San Juan, PRMSA
Volume: 110Mix: 84.62%of portfolio
Place
Strong
2
Arecibo, PR, PRMSA
Volume: 16Mix: 12.31%of portfolio
Place
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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.