Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A Mortgage Lending & HMDA Data, 2021
In 2021, Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A of Arecibo, PR reported 53 mortgage applications totaling $4.5 million, up 66% from 2020. The average application was for $84,433, and applicants reported an average income of $36,660. 66% of its applications resulted in an originated loan and 11% were denied. Its largest markets were San Juan-Carolina-Caguas, PR (35) and Arecibo, PR (18).
| 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 | 53 |
| Total Mortgage Loan Application Amount | $4,475,000 |
| Average Mortgage Loan Application Amount | $84,433 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $36,660 |
| Highest Applicant Income | $121,000 |
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 Manuel Zeno Gandn++A filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Cooperativa De Ahorro Y Crn++Dito Dr. Manuel Zeno Gandn++A in 2021
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 | 49 | $4,035,000 | $82,000 | $165,000 | $35,000 | $121,000 |
| Refinancing | 4 | $440,000 | $110,000 | $205,000 | $57,000 | $96,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 |
|---|---|---|---|---|---|---|
| White | 31 | $2,665,000 | $85,000 | $205,000 | $38,000 | $121,000 |
| Hispanic | 15 | $1,215,000 | $81,000 | $155,000 | $37,000 | $120,000 |
| Black or African American | 6 | $520,000 | $86,000 | $125,000 | $33,000 | $42,000 |
| American Indian or Alaskan Native | 1 | $75,000 | $75,000 | $75,000 | $23,000 | $23,000 |
| 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 |
| Not Provided | 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) | 48 | $4,090,000 | $85,000 | $205,000 | $37,000 | $121,000 |
| FHA-insured (Federal Housing Administration) | 3 | $225,000 | $75,000 | $105,000 | $32,000 | $47,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $160,000 | $80,000 | $105,000 | $35,000 | $48,000 |
| 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 | 35 | $2,965,000 | $84,000 | $165,000 | $35,000 | $121,000 |
| Application Withdrawn By Applicant | 12 | $870,000 | $72,000 | $105,000 | $37,000 | $90,000 |
| Application Denied By Financial Institution | 6 | $640,000 | $106,000 | $205,000 | $44,000 | $96,000 |
| 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 | 47 | $3,835,000 | $81,000 | $165,000 | $36,000 | $121,000 |
| Other | 4 | $480,000 | $120,000 | $205,000 | $48,000 | $96,000 |
| Credit Application Incomplete | 2 | $160,000 | $80,000 | $85,000 | $38,000 | $61,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2021 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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