Cooperativa De A\C Oriental Mortgage Lending & HMDA Data, 2024
In 2024, Cooperativa De A\C Oriental of Humacao, PR reported 134 mortgage applications totaling $17.2 million, up 41% from 2023. The average application was for $128,358, and applicants reported an average income of $65,141. 65% of its applications resulted in an originated loan and 17% were denied. Its largest markets were San Juan-Carolina-Caguas, PR (115), Ponce, PR (6) and Guayama, PR (4) (applications in parentheses).
| Mortgage Company & Address | Cooperativa De A\C Oriental Po Box 876 Humacao, PR 00791 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2019 2018 2017 2016 2015 2014 2013 2012 2011 2008 2007 2006 |
| Total Number of Mortgage Applications | 134 |
| Total Mortgage Loan Application Amount | $17,200,000 |
| Average Mortgage Loan Application Amount | $128,358 |
| Highest Mortgage Loan Application Amount | $1,425,000 |
| Average Applicant Income | $65,141 |
| Highest Applicant Income | $822,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cooperativa De A\C Oriental filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Caguas, Puerto Rico | 29 | $ 2,905,000 | $ 100,172 | $ 42,000 |
| Humacao, Puerto Rico | 11 | $ 1,175,000 | $ 106,818 | $ 59,000 |
| San Juan, Puerto Rico | 9 | $ 1,655,000 | $ 183,888 | $ 79,000 |
| Aguas Buenas, Puerto Rico | 6 | $ 860,000 | $ 143,333 | $ 55,000 |
| Juncos, Puerto Rico | 5 | $ 465,000 | $ 93,000 | $ 65,000 |
| Rio Grande, Puerto Rico | 5 | $ 725,000 | $ 145,000 | $ 148,000 |
| Carolina, Puerto Rico | 4 | $ 390,000 | $ 97,500 | $ 55,000 |
| Naguabo, Puerto Rico | 4 | $ 250,000 | $ 62,500 | $ 44,000 |
| Ponce, Puerto Rico | 4 | $ 280,000 | $ 70,000 | $ 27,000 |
| Yabucoa, Puerto Rico | 4 | $ 400,000 | $ 100,000 | $ 38,000 |
| Cayey, Puerto Rico | 3 | $ 555,000 | $ 185,000 | $ 167,000 |
| Ceiba, Puerto Rico | 3 | $ 245,000 | $ 81,666 | $ 52,000 |
| Cidra, Puerto Rico | 3 | $ 355,000 | $ 118,333 | $ 46,000 |
| Gurabo, Puerto Rico | 3 | $ 265,000 | $ 88,333 | $ 38,000 |
| Las Piedras, Puerto Rico | 3 | $ 315,000 | $ 105,000 | $ 46,000 |
| Barceloneta, Puerto Rico | 2 | $ 360,000 | $ 180,000 | $ 75,000 |
| Bayamon, Puerto Rico | 2 | $ 220,000 | $ 110,000 | $ 29,000 |
| Canovanas, Puerto Rico | 2 | $ 130,000 | $ 65,000 | $ 40,000 |
| Guayama, Puerto Rico | 2 | $ 130,000 | $ 65,000 | $ 32,000 |
| Guaynabo, Puerto Rico | 2 | $ 480,000 | $ 240,000 | $ 87,000 |
| Toa Alta, Puerto Rico | 2 | $ 240,000 | $ 120,000 | $ 66,000 |
| Toa Baja, Puerto Rico | 2 | $ 190,000 | $ 95,000 | $ 58,000 |
| Trujillo Alto, Puerto Rico | 2 | $ 300,000 | $ 150,000 | $ 60,000 |
| Villalba, Puerto Rico | 2 | $ 260,000 | $ 130,000 | $ 52,000 |
| Aguadilla, Puerto Rico | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Arroyo, Puerto Rico | 1 | $ 195,000 | $ 195,000 | $ 53,000 |
| Cabo Rojo, Puerto Rico | 1 | $ 55,000 | $ 55,000 | $ 140,000 |
| Camuy, Puerto Rico | 1 | $ 25,000 | $ 25,000 | $ 32,000 |
| Ciales, Puerto Rico | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Culebra, Puerto Rico | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Dorado, Puerto Rico | 1 | $ 315,000 | $ 315,000 | $ 138,000 |
| Florida, Puerto Rico | 1 | $ 155,000 | $ 155,000 | $ 39,000 |
| Isabela, Puerto Rico | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Lajas, Puerto Rico | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Loiza, Puerto Rico | 1 | $ 95,000 | $ 95,000 | $ 39,000 |
| Manati, Puerto Rico | 1 | $ 35,000 | $ 35,000 | $ 101,000 |
| Maunabo, Puerto Rico | 1 | $ 35,000 | $ 35,000 | $ 24,000 |
| Mayaguez, Puerto Rico | 1 | $ 115,000 | $ 115,000 | $ 45,000 |
| Morovis, Puerto Rico | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Patillas, Puerto Rico | 1 | $ 45,000 | $ 45,000 | $ 28,000 |
| Salinas, Puerto Rico | 1 | $ 165,000 | $ 165,000 | $ 58,000 |
| Vega Alta, Puerto Rico | 1 | $ 285,000 | $ 285,000 | $ 174,000 |
| Vega Baja, Puerto Rico | 1 | $ 155,000 | $ 155,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Cooperativa De A\C Oriental in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 115 | $15,195,000 | $132,000 | $1,425,000 | $66,000 | $822,000 |
| Cash-out Refinancing | 12 | $1,230,000 | $102,000 | $405,000 | $61,000 | $111,000 |
| Other Purpose | 3 | $335,000 | $111,000 | $235,000 | $39,000 | $65,000 |
| Refinancing | 2 | $260,000 | $130,000 | $155,000 | $94,000 | $144,000 |
| Home Improvement | 1 | $165,000 | $165,000 | $165,000 | $78,000 | $78,000 |
| Not Applicable | 1 | $15,000 | $15,000 | $15,000 | $24,000 | $24,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 134 | $17,200,000 | $128,000 | $1,425,000 | $65,000 | $822,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 85 | $11,575,000 | $136,000 | $1,425,000 | $77,000 | $822,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $3,210,000 | $100,000 | $165,000 | $40,000 | $85,000 |
| FHA-insured (Federal Housing Administration) | 17 | $2,415,000 | $142,000 | $405,000 | $57,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 87 | $9,375,000 | $107,000 | $285,000 | $56,000 | $429,000 |
| Application Denied By Financial Institution | 23 | $4,075,000 | $177,000 | $1,425,000 | $83,000 | $822,000 |
| Application Withdrawn By Applicant | 15 | $2,435,000 | $162,000 | $245,000 | $70,000 | $140,000 |
| File Closed For Incompleteness | 7 | $915,000 | $130,000 | $265,000 | $103,000 | $375,000 |
| Preapproval Approved but not Accepted | 1 | $315,000 | $315,000 | $315,000 | $138,000 | $138,000 |
| Application Approved But Not Accepted | 1 | $85,000 | $85,000 | $85,000 | $56,000 | $56,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 111 | $13,125,000 | $118,000 | $315,000 | $62,000 | $429,000 |
| Debt-To-Income Ratio | 8 | $710,000 | $88,000 | $175,000 | $36,000 | $75,000 |
| Collateral | 4 | $430,000 | $107,000 | $155,000 | $83,000 | $144,000 |
| Credit History | 4 | $760,000 | $190,000 | $405,000 | $59,000 | $108,000 |
| Unverifiable Information | 4 | $1,650,000 | $412,000 | $1,425,000 | $229,000 | $822,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $370,000 | $185,000 | $285,000 | $51,000 | $73,000 |
| Other | 1 | $155,000 | $155,000 | $155,000 | $44,000 | $44,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cooperativa De A\C Oriental's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Cooperativa De A\C Oriental's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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