Applications / Mortgage Analytics / Lenders / Puerto Rico / Medicoop
San Juan, PR · Credit union · NCUA · 20 loans in 2025
Medicoop's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
20
loans originated, 2025
20
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Medicoop, a credit union in San Juan, Puerto Rico, is a very small mortgage lender whose lending halved in 2025, to 20 loans.
Medicoop made 20 loans in 2025, against 39 in 2024. Similar lenders (credit unions making between half and twice as many loans) typically made 26. With so few loans, its shares of loan types, borrowers and neighborhoods can swing widely from one year to the next, and there is too little to read much into them.
It first reported in 2021. Since then it has made between 20 and 39 loans a year, so 2025 was its smallest year rather than a break from a long run of larger ones. Whether the fall is a pause or a retreat will show only in later years.
All its lending was in Puerto Rico, across 7 counties of the San Juan-Bayamón-Caguas metro. There it ranked 38 of 63 lenders, and its share fell by 0.5 points as its loan count halved. Banco Popular de Puerto Rico led the market, followed by Firstbank and Oriental Bank.
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, 2021–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Medicoop took 20 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.0% · Refinance 30.0%
Conventional 100.0% · of 20 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 | 18 | 90.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 18 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930092HIO8R4060L05 | 2021–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4253747 | 2023–2023 |
Established 12 September 1968. Reported under HMDA 2021-2025.
Mergers, name changes, data editions and corrections: Medicoop's data.
Medicoop's data
$215
Medicoop 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.
Buy Medicoop's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]