Applications / Mortgage Analytics / Lenders / Puerto Rico / Cooperativa de Ahorro y Crédito La Puertorriqueña
San Juan, PR · Credit union · NCUA · 121 loans in 2025
Cooperativa de Ahorro y Crédito La Puertorriqueña's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
121
loans originated, 2025
161
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cooperativa de Ahorro y Crédito La Puertorriqueña is a home-buyers' lender that relies on government insurance: 80.2% of its 2025 loans were backed by the Federal Housing Administration (FHA), where similar credit unions typically make none.
Similar lenders, credit unions making between half and twice as many loans, typically make only conventional loans. Only 11.6% of this one's loans were conventional. Home purchases were 94.2% of its lending. Five years earlier a third of its loans, 31.5%, carried a Rural Housing Service guarantee from the Department of Agriculture; that share has fallen to 7.4% as FHA loans took its place.
It made 121 loans, down 21%, while similar lenders grew 8% and the whole market 10%. Its count peaked at 238 in 2021. In San Juan-Bayamón-Caguas, its biggest market, its share slipped from 1.0% to 0.6%. A purchase lender depends on home sales, and fewer buyers or tougher rivals in a crowded market of 63 lenders could each account for the drop.
Every loan it made was in a majority-minority neighborhood, against 9.5% at similar lenders, which may simply reflect that it lends only in Puerto Rico. Its share in low- and moderate-income (LMI) neighborhoods, 26.5%, was higher than at about four in five similar lenders.
It turned down 8.1% of first-lien home-purchase applications, against 14.2% at the 25 similar lenders with a rate. None of its loans was higher-priced (a rate well above the average for similar loans), and its typical rate, 6.25%, was below their 6.75%.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cooperativa de Ahorro y Crédito La Puertorriqueña took 161 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 94.2% · Refinance 5.8%
FHA 80.2% · Conventional 11.6% · USDA (RHS or FSA) 7.4% · VA 0.8% · of 121 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 | 121 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 101 |
| Arecibo | 15 |
| Aguadilla | 3 |
| Mayagüez | 1 |
| Ponce | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NC4WJQGK642G48 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4253635 | 2022–2023 |
Established date not on record. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Cooperativa de Ahorro y Crédito La Puertorriqueña's data.
Cooperativa de Ahorro y Crédito La Puertorriqueña's data
$215
Cooperativa de Ahorro y Crédito La Puertorriqueña 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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