Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Ahorro y Crédito Dr. Manuel Zeno Gandía
Arecibo, PR · Independent non-bank lender · CFPB · 23 loans in 2025
Cooperativa de Ahorro y Crédito Dr. Manuel Zeno Gandía's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
23
loans originated, 2025
39
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Ahorro y Crédito Dr. Manuel Zeno Gandía is a small home-purchase lender in Puerto Rico that made 23 loans in 2025, a tenth more than the year before.
Purchases made up 95.7% of its loans, so it lends mostly to people buying homes rather than refinancing. Its 23 loans came to $1.8 million, against $5.8 million at the typical similar lender, the other independent non-bank lenders making between half and twice as many loans.
Its loans rose 10%, to 23 from 21; similar lenders grew 3% and the whole market 10%. That places it near the middle of its peers. Its busiest recent year was 2022, with 62 loans; since then it has made between 21 and 28 a year, more than the 15 of five years before.
In Arecibo, its home market, it ranked 26 of 41 lenders and lifted its share to 0.7% from 0.5%. The market there is led by Cooperativa de Ahorro y Crédito de Camuy, ahead of Banco Popular de Puerto Rico and Firstbank. In San Juan-Bayamón-Caguas it ranked 52 of 63, and its share slipped by 0.1 points; at this scale a couple of loans either way moves the figure. It first reported in 2006. Its loans are too few to compare its borrowers or prices with other lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Dr. Manuel Zeno Gandía took 39 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.7% · Refinance 4.3%
Conventional 91.3% · FHA 8.7% · of 23 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 | 23 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 14 |
| Arecibo | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001FVJ5MZI4YAE11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2383060 | 2010–2012 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4537317 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7660227873 |
Established 1 July 1947. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Ahorro y Crédito Dr. Manuel Zeno Gandía's data.
Cooperativa de Ahorro y Crédito Dr. Manuel Zeno Gandía's data
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Cooperativa de Ahorro y Crédito Dr. Manuel Zeno Gandía 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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