Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A Mortgage Lending & HMDA Data, 2007
In 2007, Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A of Arecibo, PR reported 24 mortgage applications totaling $1.6 million, down 37% from 2006. The average application was for $68,333, and applicants reported an average income of $42,125. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were San Juan-Caguas-Guaynabo, PR (22) and Aguadilla-Isabela-San Sebastian, PR (2).
| 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 | 24 |
| Total Mortgage Loan Application Amount | $1,640,000 |
| Average Mortgage Loan Application Amount | $68,333 |
| Highest Mortgage Loan Application Amount | $225,000 |
| Average Applicant Income | $42,125 |
| Highest Applicant Income | $125,000 |
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 Manuel Zeno Gandn++A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 13 | $ 798,000 | $ 61,384 | $ 42,000 |
| Aguadilla, Puerto Rico | 2 | $ 80,000 | $ 40,000 | $ 15,000 |
| Hatillo, Puerto Rico | 2 | $ 155,000 | $ 77,500 | $ 70,000 |
| Manati, Puerto Rico | 1 | $ 40,000 | $ 40,000 | $ 71,000 |
| Morovis, Puerto Rico | 1 | $ 93,000 | $ 93,000 | $ 13,000 |
| Quebradillas, Puerto Rico | 1 | $ 94,000 | $ 94,000 | $ 31,000 |
| Rio Grande, Puerto Rico | 1 | $ 160,000 | $ 160,000 | $ 66,000 |
| San Juan, Puerto Rico | 1 | $ 52,000 | $ 52,000 | $ 32,000 |
| Toa Alta, Puerto Rico | 1 | $ 118,000 | $ 118,000 | $ 43,000 |
| Vega Alta, Puerto Rico | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A in 2007
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 |
|---|---|---|---|---|---|---|
| Refinancing | 15 | $935,000 | $62,000 | $225,000 | $43,000 | $125,000 |
| Home Purchase | 6 | $590,000 | $98,000 | $160,000 | $44,000 | $101,000 |
| Home Improvement | 3 | $115,000 | $38,000 | $45,000 | $34,000 | $71,000 |
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 | 24 | $1,640,000 | $68,000 | $225,000 | $42,000 | $125,000 |
| 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) | 24 | $1,640,000 | $68,000 | $225,000 | $42,000 | $125,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 24 | $1,640,000 | $68,000 | $225,000 | $42,000 | $125,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2007 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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