Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Credito Y Ahorros de Rincon
Rincon, PR · Independent non-bank lender · CFPB · 272 loans in 2025
Cooperativa de Credito Y Ahorros de Rincon's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
272
loans originated, 2025
356
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Credito Y Ahorros de Rincon more than doubled its lending in 2025 and took third place in Aguadilla, Puerto Rico, on small conventional loans.
It made 272 loans, up 141% from 113, faster growth than any similar lender. Similar lenders here are independent non-bank lenders making between half and twice as many loans; their typical count rose 1%, and the whole market grew 10%. 2024 was a trough, though: it had made 304 loans in 2022, so much of the rise is a return to earlier levels.
It ranked 3 of 43 lenders in Aguadilla, with 16.6% of lending, up from 8.0%, behind only Banco Popular de Puerto Rico and Firstbank. In Mayagüez its share rose to 9.4% from 3.3%, fourth of 43. Elsewhere it is small, with 0.2% of San Juan-Bayamón-Caguas.
Its typical loan was $125,000, against $335,000 at similar lenders, smaller than at nearly all of them. All of its loans were conventional, while peers made 17.6% of theirs with insurance from the Federal Housing Administration. Purchases were 58.5% of its lending and refinances 38.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Ahorros de Rincon took 356 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.5% · Refinance 38.6% · Other 2.9%
Conventional 100.0% · of 272 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 | 272 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Aguadilla | 147 |
| Mayagüez | 90 |
| San Juan-Bayamón-Caguas | 21 |
| Ponce | 7 |
| Arecibo | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LW8UB33S1ZIF68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3878808 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660228482 |
Established 15 April 1957. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Credito Y Ahorros de Rincon's data.
Cooperativa de Credito Y Ahorros de Rincon's data
$215
Cooperativa de Credito Y Ahorros de Rincon 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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