PlainLender

Cooperativa de A\C Oriental

Humacao, PR

Cooperativa de A\C Oriental processed 134 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 87 loans with a 17.2% denial rate. Home Purchase was the primary loan purpose. Based in Humacao, PR. The approval rate of 64.9% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Cooperativa de A\C Oriental's 64.9% origination rate tells you how often an application turned into funded money; the 17.2% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Unverifiable information, Insufficient cash, which together explain the majority of rejections. Most activity concentrated in Conventional loans (85 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

134
Applications
87
Originated
17.2%
Denial Rate
$128,358
Avg Loan Amount
Avg Interest Rate: 6.631% Avg Applicant Income: $34,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 85 46 16 $136,176
USDA 32 29 3 $100,313
FHA 17 12 4 $142,059

Top loan types - Cooperativa de A\C Oriental

Top loan types - Cooperativa de A\C Oriental Horizontal bar chart of the top 3 items by value (applications). Top loan types - Cooperativa de A\C Oriental Top 3 1. Conventional 85 2. USDA 32 3. FHA 17 Top 5 loan types by application volume at Cooperativa de A\C Oriental (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Cooperativa de A\C Oriental (LEI: 549300J7DJ7V4CSZCK98) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
8
Unverifiable information
7
Insufficient cash
6
Collateral
5
Credit history
5
Other
2
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 115 79 $132,130
Cash-out Refinancing 12 7 $102,500
Other 3 0 $111,667
Refinancing 2 0 $130,000
Home Improvement 1 1 $165,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 107 67.3% 14.9%
Black or African American * 21 61.9% 23.8%
Joint * 6 33.3% 33.3%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Hispanic or Latino 134 64.9% 17.2%

Nearby Lenders in PR

Other HMDA-reporting lenders in PR with similar activity. Compare any two side-by-side.

Banco Popular

San Juan, PR

6,295 apps 2,445 originated 13.0% denied

FIRSTBANK

San Juan, PR

3,534 apps 2,160 originated 19.8% denied

The Moneyhouse Inc.

San Juan, PR

2,757 apps 1,219 originated 7.4% denied

Oriental Bank

San Juan, PR

1,702 apps 814 originated 25.0% denied

Hr Mortgage CORP

CAGUAS, PR

678 apps 475 originated 23.3% denied
Compare Cooperativa de A\C Oriental vs Banco Popular →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Cooperativa de A\C Oriental process?
Cooperativa de A\C Oriental processed 134 mortgage applications in the 2024 HMDA reporting year. Of these, 87 were originated (approved and funded), 15 were withdrawn by the applicant, and 23 were denied.
What is Cooperativa de A\C Oriental's mortgage approval rate?
Cooperativa de A\C Oriental has an approval (origination) rate of 64.9%, meaning 64.9% of all applications resulted in a funded mortgage. The denial rate is 17.2%.
What is the average loan amount at Cooperativa de A\C Oriental?
The average mortgage loan amount at Cooperativa de A\C Oriental is $128,358. The average interest rate is 6.631%. The average applicant income is $34,000.
What are the most common reasons for mortgage denial at Cooperativa de A\C Oriental?
The most common reasons for mortgage denial at Cooperativa de A\C Oriental are: Debt-to-income ratio, Unverifiable information, Insufficient cash. In total, 23 applications were denied out of 134 total applications.
What types of mortgage loans does Cooperativa de A\C Oriental offer?
Cooperativa de A\C Oriental processes Conventional, USDA, FHA loans. The most common type is Conventional with 85 applications and an average loan amount of $136,176.
What loan purposes does Cooperativa de A\C Oriental serve?
Cooperativa de A\C Oriental serves the following loan purposes: Home Purchase (115 applications), Cash-out Refinancing (12 applications), Other (3 applications), Refinancing (2 applications), Home Improvement (1 applications). Home Purchase is the most common purpose.
Where is Cooperativa de A\C Oriental located?
Cooperativa de A\C Oriental is headquartered in Humacao, PR. The lender is identified by LEI 549300J7DJ7V4CSZCK98 in HMDA data.
How does Cooperativa de A\C Oriental compare in lending across racial demographics?
Cooperativa de A\C Oriental reports demographic lending data under HMDA requirements. White applicants have an approval rate of 67.3% and denial rate of 14.9%; Black or African American applicants have an approval rate of 61.9% and denial rate of 23.8%; Joint applicants have an approval rate of 33.3% and denial rate of 33.3%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.