Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Ahorro y Crédito de Santa Isabel
Santa Isabel, PR · Independent non-bank lender · CFPB · 6 loans in 2025
Cooperativa de Ahorro y Crédito de Santa Isabel's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
6
loans originated, 2025
6
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Ahorro y Crédito de Santa Isabel is a very small mortgage lender in Puerto Rico, making six loans worth $640,000 in 2025.
It made 6 loans in 2025, up from 5. Its busiest recent year was 2021, with 18 loans; in every other year shown since 2018 it made fewer than ten. At this scale one or two loans make a large difference to any rate of growth, so its 20% rise says little about direction.
Its similar lenders here are the other independent non-bank lenders making between a quarter and four times as many loans; the band is wider because so few lenders are this small. The typical one made 16 loans worth $3.2 million. More than nine in ten of them made more loans than it did.
It lends in one metro area and three counties. In San Juan-Bayamón-Caguas it ranked 55 of 63 lenders, in a market led by Banco Popular de Puerto Rico and Firstbank. In non-metro Puerto Rico it ranked 36 of 43. It first reported in 2006. With six loans, its rates, loan sizes and borrowers are too few to compare with other lenders, and none is drawn here.
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 de Santa Isabel took 6 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.3% · Refinance 16.7%
Conventional 100.0% · of 6 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 | 6 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QHKPYDSS5W8T62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3873269 | 2010–2022 |
| Respondent ID (the HMDA filer code before 2018) | 7660258299 | 2006–2015 |
Established 8 June 1955. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Ahorro y Crédito de Santa Isabel's data.
Cooperativa de Ahorro y Crédito de Santa Isabel's data
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Cooperativa de Ahorro y Crédito de Santa Isabel 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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