Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Credito Y Ahorro San Jose
Aibonito, PR · Independent non-bank lender · CFPB · 24 loans in 2025
Cooperativa de Credito Y Ahorro San Jose's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
24
loans originated, 2025
27
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Credito Y Ahorro San Jose is a very small Puerto Rico lender: it made 24 conventional home loans in 2025, the same number as in 2020.
Its loans rose 60%, from 15 to 24, faster than at about five in six similar lenders, which grew 3%. Similar lenders here are independent non-bank lenders making between half and twice as many loans; the typical one made 28. But 2024 was its low point. From 2018 to 2023 it made between 19 and 35 loans a year, so 2025 is a return to form rather than a break.
Every loan it made in 2025 was conventional, as in 2024; it made no loans backed by the government. Two-thirds were purchases and the rest refinances. With 24 loans, its loan size, rates and lending to poorer borrowers are too thin a base to set against its peers.
In San Juan-Bayamón-Caguas it ranked 41 of 63 lenders with 0.2% of lending, unchanged. It gained share in two small markets: 0.3% in Arecibo, where Cooperativa de Ahorro Y Credito de Camuy led, and 0.7% in Guayama, where Oriental Bank led. In markets this small, a handful of loans makes those gains.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Credito Y Ahorro San Jose took 27 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 33.3%
Conventional 100.0% · of 24 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 | 24 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 22 |
| Arecibo | 1 |
| Guayama | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HVRAK6I8QGFR41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3878817 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660231533 |
Established date not on record. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Credito Y Ahorro San Jose's data.
Cooperativa de Credito Y Ahorro San Jose's data
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Cooperativa de Credito Y Ahorro San Jose 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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