Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa A/C Cabo Rojo
Cabo Rojo, PR · Independent non-bank lender · CFPB · 35 loans in 2025
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35
loans originated, 2025
38
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa A/C Cabo Rojo, a small Puerto Rico lender, holds a steady place in the Mayagüez market, ranking 7 of 43, and makes far more manufactured-home loans than its peers.
Manufactured homes made up 22.9% of its 35 loans; at the typical similar lender, an independent non-bank lender making between half and twice as many loans, the share was 0.0%. Home purchases made up 74.3% of its lending. Its typical loan, $115,000, was smaller than at four in five peers, whose typical loan was $245,000.
Its typical rate was 6.00%, down from 6.95% the year before and below peers' 6.56%. That puts it among the lowest tenth of its group. Thirty-five loans is a small base, so the figure can move a lot from year to year.
It has lent in Mayagüez since 2004 and holds 3.0% of that market, against 3.1% the year before. Banco Popular de Puerto Rico leads there. Elsewhere it is a minor player: 0.1% in Aguadilla and 0.0% in San Juan, where it ranks 61 of 63.
Its loans dipped 5% in 2025, from 37 to 35, while similar lenders grew 8% and the whole market 10%. Over a longer span it has grown: it made 13 loans in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 A/C Cabo Rojo took 38 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.3% · Refinance 25.7%
Conventional 94.3% · USDA (RHS or FSA) 5.7% · of 35 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 | 35 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Mayagüez | 30 |
| Aguadilla | 2 |
| San Juan-Bayamón-Caguas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300H8ZDZLHESMY152 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3873344 | 2010–2021 |
| Respondent ID (the HMDA filer code before 2018) | 7660270259 |
Established 1 July 1947. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Cooperativa A/C Cabo Rojo's data.
Cooperativa A/C Cabo Rojo's data
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Cooperativa A/C Cabo Rojo 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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