Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A Mortgage Lending & HMDA Data, 2024
In 2024, Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A of Arecibo, PR reported 39 mortgage applications totaling $3.9 million, down 9% from 2023. The average application was for $100,384, and applicants reported an average income of $46,000. 54% of its applications resulted in an originated loan and 0% were denied. Its largest markets were San Juan-Carolina-Caguas, PR (28), Arecibo, PR (10) 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 | $3,915,000 |
| Average Mortgage Loan Application Amount | $100,384 |
| Highest Mortgage Loan Application Amount | $605,000 |
| Average Applicant Income | $46,000 |
| Highest Applicant Income | $240,000 |
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 Manuel Zeno Gandn++A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 28 | $ 2,950,000 | $ 105,357 | $ 48,000 |
| Arecibo, PR | 10 | $ 860,000 | $ 86,000 | $ 44,000 |
| Aguadilla-Isabela, PR | 1 | $ 105,000 | $ 105,000 | $ 28,000 |
Mortgage Loan Application Detail Totals for Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A 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 | 39 | $3,915,000 | $100,000 | $605,000 | $46,000 | $240,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Refinancing | 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 | $3,915,000 | $100,000 | $605,000 | $46,000 | $240,000 |
| 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) | 38 | $3,710,000 | $97,000 | $605,000 | $45,000 | $240,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $205,000 | $205,000 | $205,000 | $97,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 21 | $1,875,000 | $89,000 | $215,000 | $41,000 | $97,000 |
| Preapproval Denied by Financial Institution | 18 | $2,040,000 | $113,000 | $605,000 | $52,000 | $240,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 21 | $1,875,000 | $89,000 | $215,000 | $41,000 | $97,000 |
| Other | 11 | $935,000 | $85,000 | $185,000 | $43,000 | $98,000 |
| Collateral | 4 | $200,000 | $50,000 | $55,000 | $24,000 | $31,000 |
| Credit History | 1 | $115,000 | $115,000 | $115,000 | $41,000 | $41,000 |
| Debt-To-Income Ratio | 1 | $605,000 | $605,000 | $605,000 | $240,000 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $185,000 | $185,000 | $185,000 | $77,000 | $77,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 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 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 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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