Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Ahorro Y Credito de Manati
Manati, PR · Credit union · NCUA · 100 loans in 2025
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100
loans originated, 2025
116
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Ahorro Y Credito de Manati has grown from 27 loans in 2020 to 100 in 2025, and it made 37% more loans than a year earlier.
Its loans rose 37%, from 73 to 100. Similar lenders (credit unions making between half and twice as many loans) grew 8%, and the whole market 10%. That made its growth faster than at about four in five peers. Its dollar total reached $13.3 million.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 40.8% of its loans, against 17.2% at peers, higher than at almost all of them. LMI borrowers took 26.0%, against 30.0%, though up from 12.3% in 2024; its somewhat larger loans may go to borrowers with higher incomes. As all its lending is in Puerto Rico, every loan was in a majority-minority area.
Home purchases made up 63.0% of its loans and refinances 37.0%, all conventional. Its typical loan, $110,000, was larger than at about six in ten peers, where it was $95,000.
In San Juan-Bayamón-Caguas it ranked 28 of 63 lenders with 0.5% of a $2.28B market, unchanged from 2024. Banco Popular de Puerto Rico led. Its Arecibo share rose from 0.4% to 0.6%, and in 2025 it made its first loans in Ponce.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cooperativa de Ahorro Y Credito de Manati took 116 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.0% · Refinance 37.0%
Conventional 100.0% · of 100 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 | 100 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 90 |
| Arecibo | 4 |
| Mayagüez | 2 |
| Aguadilla | 1 |
| Ponce | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000L4JCTDWD6WT73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4985619 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660220429 |
Established date not on record. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Ahorro Y Credito de Manati's data.
Cooperativa de Ahorro Y Credito de Manati's data
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