Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Ahorro y Crédito Bo. Quebrada de Camuy
Camuy, PR · Independent non-bank lender · CFPB · 34 loans in 2025
Cooperativa de Ahorro y Crédito Bo. Quebrada de Camuy's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
34
loans originated, 2025
34
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Ahorro y Crédito Bo. Quebrada de Camuy, a small cooperative lender in northwest Puerto Rico, has held its volume near the level of 2018 and ranks 15 of 41 in the Arecibo market.
Its typical loan was $115,000, against $245,000 at similar lenders, independent non-bank lenders making between half and twice as many loans. That is smaller than at four in five of them. Refinances made up 41.2% of its 34 loans, purchases 32.4% and other purposes 26.5%. All were conventional.
It works only in Puerto Rico, in 4 metros and 10 counties. In Arecibo it holds 2.1%, against 2.2% the year before; the market is led by Cooperativa de Ahorro y Crédito de Camuy, another Camuy cooperative. In Aguadilla its share rose to 0.5% from 0.4%. It has filed since 2008.
It made 34 loans in 2018, fell to 17 in 2019 and has climbed back since, to 34 in 2025. Its 3% rise last year was slower than the 8% at peers and the 10% for the whole market. The figures carry no rate data for its loans, so its prices cannot be compared.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Crédito Bo. Quebrada de Camuy took 34 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 41.2% · Purchase 32.4% · Other 26.5%
Conventional 100.0% · of 34 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 | 34 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arecibo | 16 |
| Aguadilla | 4 |
| Mayagüez | 1 |
| San Juan-Bayamón-Caguas | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490099XNQQU8T3WI97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3944721 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660236963 | 2008–2016 |
Established 4 November 1953. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Ahorro y Crédito Bo. Quebrada de Camuy's data.
Cooperativa de Ahorro y Crédito Bo. Quebrada de Camuy's data
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Cooperativa de Ahorro y Crédito Bo. Quebrada de Camuy 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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