Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Ahorro Y Credito Oriental
Humacao, PR · Independent non-bank lender · CFPB · 78 loans in 2025
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78
loans originated, 2025
105
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Ahorro Y Credito Oriental is a small Puerto Rico home-purchase lender that leans on rural loans guaranteed by the Department of Agriculture's Rural Housing Service (RHS), which similar lenders rarely make.
In 2025, 29.5% of its loans carried an RHS guarantee. The typical similar lender, meaning an independent non-bank lender making between half and twice as many loans, made none, and only about one in fifty had a higher share. Another 15.4% were insured by the Federal Housing Administration (FHA), close to peers' 13.0%. Purchases were 80.8% of its lending.
Its typical loan was $110,000, against $285,000 at similar lenders, smaller than at all but about one in twenty of them. It made no jumbo loans (larger than the conforming limit). Its typical rate, 5.75%, was lower than at about nineteen in twenty of its peers.
It made 78 loans, down 10% from 87, while similar lenders fell 3% and the whole market grew 10%. Since 2021 it has made between 67 and 93 loans a year. A swing of a few loans moves it in either direction at this size.
Its largest market is San Juan-Bayamón-Caguas, where it ranked 30 of 63 lenders with 0.4% of lending, the same share as in 2024. Banco Popular de Puerto Rico led that market, ahead of Firstbank. All of its loans were in majority-minority neighborhoods, against 26.2% at similar lenders; all of its lending is in Puerto Rico.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Oriental took 105 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.8% · Refinance 19.2%
Conventional 55.1% · USDA (RHS or FSA) 29.5% · FHA 15.4% · of 78 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 | 78 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 73 |
| Aguadilla | 2 |
| Mayagüez | 1 |
| Ponce | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J7DJ7V4CSZCK98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3873371 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660287790 |
Established 30 June 1949. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Ahorro Y Credito Oriental's data.
Cooperativa de Ahorro Y Credito Oriental's data
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Cooperativa de Ahorro Y Credito Oriental 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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