Applications / Mortgage Analytics / Lenders / Puerto Rico / Coopaca Mortgage
Arecibo, PR · Credit union · NCUA · 65 loans in 2025
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65
loans originated, 2025
89
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Coopaca Mortgage is a Puerto Rico credit union that lends mostly to home buyers, and its share is rising in Arecibo, PR, its strongest market.
In Arecibo, PR it held 2.2% of a $97.4M market, up from 2.0%, and ranked 14 of 41 lenders. Cooperativa de Ahorro Y Credito de Camuy led. In San Juan-Bayamón-Caguas its share fell from 0.5% to 0.3%. On 65 loans in all, a few loans more or fewer move these shares.
It made 65 loans, 26% fewer than the 88 of 2024. Similar lenders (credit unions making between half and twice as many loans) made 7% more. Its count peaked at 169 in 2021 and is now back near the 60 it made in 2018.
Its typical rate was 6.20%, lower than at about four in five similar lenders, where it was 6.75%. Home purchases made up 67.7% of its loans, all conventional, and its typical loan was $105,000.
All its lending is in Puerto Rico, so every loan was in a majority-minority area, against 9.2% at peers. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 17.5%, close to peers' 17.4%. LMI borrowers took 24.6%, lower than at about two in three peers; its weight toward home purchases may play a part.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Coopaca Mortgage took 89 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.7% · Refinance 24.6% · Other 7.7%
Conventional 100.0% · of 65 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Puerto Rico | 65 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 37 |
| Arecibo | 20 |
| Mayagüez | 3 |
| Aguadilla | 2 |
| Ponce | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DJS1VMO4NUS123 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 639893 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660190521 | 2000–2016 |
| Respondent ID (the HMDA filer code before 2018) | 592834 | 2017–2017 |
Established date not on record. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Coopaca Mortgage's data.
Coopaca Mortgage's data
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Coopaca Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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