Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Ahorro Y Credito de Camuy
Camuy, PR · Independent non-bank lender · CFPB · 174 loans in 2025
Cooperativa de Ahorro Y Credito de Camuy's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
174
loans originated, 2025
189
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Ahorro Y Credito de Camuy leads the Arecibo mortgage market, and in 2025 its loans rose 60% while similar lenders' were flat.
It ranks 1 of 41 lenders in Arecibo, with 16.3% of the market, up from 9.8%. Banco Popular de Puerto Rico is second. Its share also rose in Aguadilla, to 3.1% from 2.1%, and in Mayagüez, to 1.3% from 0.9%. It has lent in all three since 2006.
It made 174 loans in 2025, against 109 the year before. Similar lenders, independent non-bank lenders making between half and twice as many loans, made about as many as a year earlier, and the whole market grew 10%. Its growth was faster than at nearly all of them. In 2020 it made 58.
Its typical loan was $135,000, against $325,000 at peers, smaller than at nearly all of them. Every loan was conventional; at the typical peer, 16.0% were insured by the Federal Housing Administration. Purchases made up 51.1% of its loans and refinances 42.5%.
It lends in 6 metros and 32 counties, all in Puerto Rico. In 2023 it entered Ponce and Guayama, where its shares are 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Camuy took 189 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.1% · Refinance 42.5% · Other 6.3%
Conventional 100.0% · of 174 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 | 174 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arecibo | 91 |
| San Juan-Bayamón-Caguas | 41 |
| Aguadilla | 30 |
| Mayagüez | 8 |
| Guayama | 1 |
| Ponce | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T69MHCQOIC3F90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3944730 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660219584 |
Established 30 June 1947. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Ahorro Y Credito de Camuy's data.
Cooperativa de Ahorro Y Credito de Camuy's data
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