Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Ahorro Y Credito Las Piedras
Las Piedras, PR · Independent non-bank lender · CFPB · 35 loans in 2025
Cooperativa de Ahorro Y Credito Las Piedras's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
35
loans originated, 2025
55
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Ahorro Y Credito Las Piedras lends small sums to Puerto Rico home buyers, more of them on low and moderate incomes than at similar lenders, and its loans rose by two-thirds in 2025.
Its loans rose 67%, to 35 from 21, faster than at more than nine in ten similar lenders, the other independent non-bank lenders making between half and twice as many loans; they grew 6%. The rise brings it back near its level of five years ago, 32, though below the 51 it made in 2021.
Low- and moderate-income (LMI) borrowers took 29.0% of its loans, against 17.1% at similar lenders, higher than at more than four in five of them. Its typical loan, $95,000, was smaller than at about nine in ten similar lenders, whose typical loan was $245,000. Purchases made up 74.3%.
Its typical rate, 6.25%, was lower than at about nine in ten similar lenders, whose typical rate was 6.56%. Nearly every loan was conventional.
In San Juan-Bayamón-Caguas it ranked 34 of 63 lenders and raised its share to 0.2% from 0.1%, in a market led by Banco Popular de Puerto Rico and Firstbank. It ranked 33 of 43 in non-metro Puerto Rico. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Las Piedras took 55 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 74.3% · Refinance 22.9% · Other 2.9%
Conventional 97.1% · USDA (RHS or FSA) 2.9% · 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 |
|---|---|
| San Juan-Bayamón-Caguas | 32 |
| Guayama | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000DYWSEQXSQ3736 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3873380 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660313273 |
Established date not on record. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Ahorro Y Credito Las Piedras's data.
Cooperativa de Ahorro Y Credito Las Piedras's data
$215
Cooperativa de Ahorro Y Credito Las Piedras 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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