Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A Mortgage Lending & HMDA Data, 2025
In 2025, Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A of Arecibo, PR reported 39 mortgage applications totaling $3.7 million, about the same as 2024. The average application was for $94,487, and applicants reported an average income of $50,846. 59% of its applications resulted in an originated loan and 18% were denied. Its largest markets were San Juan-Carolina-Caguas, PR (20), Arecibo, PR (17) and Aguadilla-Isabela, PR (1) (applications in parentheses).
| Mortgage Company & Address | Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A Po Box 1865 Arecibo, PR 00613 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 |
| Total Number of Mortgage Applications | 39 |
| Total Mortgage Loan Application Amount | $3,685,000 |
| Average Mortgage Loan Application Amount | $94,487 |
| Highest Mortgage Loan Application Amount | $295,000 |
| Average Applicant Income | $50,846 |
| Highest Applicant Income | $218,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Arecibo, Puerto Rico | 14 | $ 1,580,000 | $ 112,857 | $ 58,000 |
| San Juan, Puerto Rico | 10 | $ 680,000 | $ 68,000 | $ 33,000 |
| Carolina, Puerto Rico | 4 | $ 510,000 | $ 127,500 | $ 59,000 |
| Barceloneta, Puerto Rico | 2 | $ 160,000 | $ 80,000 | $ 34,000 |
| Hatillo, Puerto Rico | 2 | $ 150,000 | $ 75,000 | $ 61,000 |
| Bayamon, Puerto Rico | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| Camuy, Puerto Rico | 1 | $ 45,000 | $ 45,000 | $ 18,000 |
| Dorado, Puerto Rico | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| Fajardo, Puerto Rico | 1 | $ 95,000 | $ 95,000 | $ 27,000 |
| Luquillo, Puerto Rico | 1 | $ 135,000 | $ 135,000 | $ 218,000 |
| San Sebastian, Puerto Rico | 1 | $ 115,000 | $ 115,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A in 2025
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 | 35 | $2,895,000 | $82,000 | $295,000 | $41,000 | $129,000 |
| Other Purpose | 2 | $450,000 | $225,000 | $285,000 | $103,000 | $110,000 |
| Refinancing | 2 | $340,000 | $170,000 | $205,000 | $171,000 | $218,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 39 | $3,685,000 | $94,000 | $295,000 | $51,000 | $218,000 |
| 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) | 35 | $3,095,000 | $88,000 | $285,000 | $50,000 | $218,000 |
| FHA-insured (Federal Housing Administration) | 4 | $590,000 | $147,000 | $295,000 | $60,000 | $129,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 23 | $1,785,000 | $77,000 | $175,000 | $47,000 | $218,000 |
| Application Withdrawn By Applicant | 9 | $1,305,000 | $145,000 | $295,000 | $68,000 | $129,000 |
| Application Denied By Financial Institution | 7 | $595,000 | $85,000 | $165,000 | $41,000 | $97,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 32 | $3,090,000 | $96,000 | $295,000 | $53,000 | $218,000 |
| Other | 3 | $265,000 | $88,000 | $165,000 | $52,000 | $97,000 |
| Unverifiable Information | 1 | $45,000 | $45,000 | $45,000 | $52,000 | $52,000 |
| Collateral | 1 | $75,000 | $75,000 | $75,000 | $31,000 | $31,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $29,000 | $29,000 |
| Debt-To-Income Ratio | 1 | $135,000 | $135,000 | $135,000 | $21,000 | $21,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A's 2025 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 Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A'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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