Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Ahorro Y Credito del Valenciano
Juncos, PR · Independent non-bank lender · CFPB · 16 loans in 2025
Cooperativa de Ahorro Y Credito del Valenciano's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
16
loans originated, 2025
18
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Ahorro Y Credito del Valenciano is a small Puerto Rico lender whose output swings from year to year; in 2025 it made 16 loans, up from 6.
Since 2021 its loans have alternated between highs and lows: 17, then 7, 14, 6 and now 16. Its 167% rise in 2025 was faster than at nearly all similar lenders, the other independent non-bank lenders making between half and twice as many loans, which grew 10%. At this size a few loans either way make a big percentage change, so the rise says more about the swings than about a trend.
Its 16 loans came to $1.4 million, less than at any similar lender; the typical one lent $6.1 million. Every loan was conventional, with no government-backed lending.
Its main market is San Juan-Bayamón-Caguas, where it ranked 51 of 63 lenders with 0.1% of the market, behind Banco Popular de Puerto Rico and Firstbank. It began lending in Mayagüez in 2023 and ranked 37 of 43 there in 2025. It first reported in 2009. With so few loans, its borrowers and rates are too thin a base for comparison with other 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 del Valenciano took 18 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.3% · Refinance 18.8%
Conventional 100.0% · of 16 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 | 16 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 14 |
| Mayagüez | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004PU0PDR2NUYN54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4184841 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660228613 |
Established date not on record. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Ahorro Y Credito del Valenciano's data.
Cooperativa de Ahorro Y Credito del Valenciano's data
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Cooperativa de Ahorro Y Credito del Valenciano 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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