Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Ahorro Y Credito de Isabela
Isabel, PR · Independent non-bank lender · CFPB · 81 loans in 2025
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81
loans originated, 2025
110
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Ahorro Y Credito de Isabela is a refinancing lender in Puerto Rico that ranks fourth of 43 lenders in Aguadilla, its largest market, though its loans fell by a third in 2025 after an unusually busy 2024.
Refinancing made up 84.0% of its loans. Every loan was conventional: it made no loans insured by the Federal Housing Administration (FHA), which made up 14.0% of lending at similar lenders, the other independent non-bank lenders making between half and twice as many loans. Its typical loan, $155,000, was about half theirs, $290,000, and it made no jumbo loans.
It made 81 loans in 2025, down 34% from 122, while similar lenders fell 3% and the whole market rose 10%. But 2024 was its busiest year since 2018, and its output has swung between 39 and 122 loans a year. A lender this reliant on refinancing may see its volume rise and fall with borrowers' demand to refinance. Over five years its loans roughly doubled.
In Aguadilla it ranked 4 of 43, behind Banco Popular de Puerto Rico, Firstbank and Cooperativa de Credito Y Ahorros de Rincon. Its share there fell to 5.5% from 8.5%, which may simply reflect its smaller output. In Arecibo its share rose to 3.0% from 2.3%, and in 2025 it first lent in Guayama.
Its typical rate, 5.99%, was lower than at more than nine in ten similar lenders. All its loans were in Puerto Rico, and all were in majority-minority neighborhoods, against 25.8% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Isabela took 110 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 84.0% · Purchase 16.0%
Conventional 100.0% · of 81 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 | 81 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Aguadilla | 54 |
| Arecibo | 14 |
| San Juan-Bayamón-Caguas | 9 |
| Guayama | 1 |
| Mayagüez | 1 |
| Ponce | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PIBI14GDBLD168 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3950759 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660214491 | 2004–2016 |
Established date not on record. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Ahorro Y Credito de Isabela's data.
Cooperativa de Ahorro Y Credito de Isabela's data
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