Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Ahorro y Credito Jesus Obrero
Guaynabo, PR · Independent non-bank lender · CFPB · 27 loans in 2025
Cooperativa de Ahorro y Credito Jesus Obrero's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
27
loans originated, 2025
34
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Ahorro y Credito Jesus Obrero is a small Puerto Rico lender, mostly to home buyers, that has settled at about 27 loans a year after a busier spell in 2021 and 2022.
It made 27 loans in 2025, up 4% from 26; similar lenders, the other independent non-bank lenders making between half and twice as many loans, grew 2%. Its busiest recent years were 2021 and 2022, with 47 and 51 loans. Five years ago it made 15. Its $3.0 million in loans was smaller than at about nine in ten similar lenders.
Its typical rate, 6.00%, was lower than at more than nine in ten similar lenders, against their 6.62%, and none of its loans was higher-priced (a rate well above the average for similar loans), against 11.9% at similar lenders. Every loan was conventional, and purchases made up 77.8%. These figures rest on 27 loans, a small base.
Its main market is San Juan-Bayamón-Caguas, where it ranked 44 of 63 lenders with an unchanged 0.1%, in a market led by Banco Popular de Puerto Rico and Firstbank. It entered Guayama in 2022 and in 2025 held 0.8% there, ranking 21 of 28. It first reported in 2006.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Jesus Obrero took 34 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.8% · Refinance 22.2%
Conventional 100.0% · of 27 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 | 27 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 26 |
| Guayama | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UZ22L3KMKOI185 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3873326 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660267388 |
Established date not on record. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Ahorro y Credito Jesus Obrero's data.
Cooperativa de Ahorro y Credito Jesus Obrero's data
$215
Cooperativa de Ahorro y Credito Jesus Obrero 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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