Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A Mortgage Lending & HMDA Data, 2022
In 2022, Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A of Arecibo, PR reported 90 mortgage applications totaling $7.2 million, up 70% from 2021. The average application was for $80,222, and applicants reported an average income of $32,555. 69% of its applications resulted in an originated loan and 31% were denied. Its largest markets were San Juan-Carolina-Caguas, PR (53), Arecibo, PR (26) and San German-Cabo Rojo, 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 | 90 |
| Total Mortgage Loan Application Amount | $7,220,000 |
| Average Mortgage Loan Application Amount | $80,222 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $32,555 |
| Highest Applicant Income | $126,000 |
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 Manuel Zeno Gandn++A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Juan-Carolina-Caguas, PR | 53 | $ 4,255,000 | $ 80,283 | $ 32,000 |
| Arecibo, PR | 26 | $ 1,720,000 | $ 66,153 | $ 33,000 |
| San German-Cabo Rojo, PR | 1 | $ 115,000 | $ 115,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A in 2022
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 | 84 | $6,820,000 | $81,000 | $205,000 | $32,000 | $126,000 |
| Refinancing | 5 | $385,000 | $77,000 | $95,000 | $44,000 | $67,000 |
| Other Purpose | 1 | $15,000 | $15,000 | $15,000 | $22,000 | $22,000 |
| 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 | 55 | $4,705,000 | $85,000 | $205,000 | $34,000 | $126,000 |
| White | 24 | $1,800,000 | $75,000 | $135,000 | $32,000 | $67,000 |
| Black or African American | 7 | $465,000 | $66,000 | $105,000 | $29,000 | $50,000 |
| Not Provided | 3 | $225,000 | $75,000 | $85,000 | $28,000 | $35,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $14,000 | $14,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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 | $6,775,000 | $79,000 | $205,000 | $33,000 | $126,000 |
| FHA-insured (Federal Housing Administration) | 5 | $445,000 | $89,000 | $135,000 | $32,000 | $41,000 |
| 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 | 62 | $4,730,000 | $76,000 | $205,000 | $33,000 | $126,000 |
| Application Denied By Financial Institution | 28 | $2,490,000 | $88,000 | $185,000 | $32,000 | $60,000 |
| Application Withdrawn By Applicant | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 62 | $4,730,000 | $76,000 | $205,000 | $33,000 | $126,000 |
| Other | 27 | $2,415,000 | $89,000 | $185,000 | $32,000 | $60,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $31,000 | $31,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2022 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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