Cooperativa De A/C Isabela Mortgage Lending & HMDA Data, 2025
In 2025, Cooperativa De A/C Isabela of Isabela, PR reported 110 mortgage applications totaling $19.2 million, down 29% from 2024. The average application was for $174,090, and applicants reported an average income of $68,836. 74% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Aguadilla-Isabela, PR (72), Arecibo, PR (18) and San Juan-Carolina-Caguas, PR (15) (applications in parentheses).
| Mortgage Company & Address | Cooperativa De A/C Isabela 21 Calle Barbosa Suite 1 Isabela, PR 00662 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2016 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 110 |
| Total Mortgage Loan Application Amount | $19,150,000 |
| Average Mortgage Loan Application Amount | $174,090 |
| Highest Mortgage Loan Application Amount | $405,000 |
| Average Applicant Income | $68,836 |
| Highest Applicant Income | $248,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cooperativa De A/C Isabela filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 A/C Isabela 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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 90 | $16,460,000 | $182,000 | $405,000 | $67,000 | $218,000 |
| Home Purchase | 18 | $2,490,000 | $138,000 | $395,000 | $78,000 | $248,000 |
| Refinancing | 2 | $200,000 | $100,000 | $125,000 | $69,000 | $131,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 110 | $19,150,000 | $174,000 | $405,000 | $69,000 | $248,000 |
| 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) | 110 | $19,150,000 | $174,000 | $405,000 | $69,000 | $248,000 |
| 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 | 81 | $14,395,000 | $177,000 | $405,000 | $70,000 | $248,000 |
| Application Withdrawn By Applicant | 11 | $1,785,000 | $162,000 | $325,000 | $63,000 | $130,000 |
| Application Denied By Financial Institution | 10 | $1,310,000 | $131,000 | $255,000 | $52,000 | $180,000 |
| File Closed For Incompleteness | 8 | $1,660,000 | $207,000 | $325,000 | $92,000 | $165,000 |
| 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 | 100 | $17,840,000 | $178,000 | $405,000 | $71,000 | $248,000 |
| Other | 7 | $955,000 | $136,000 | $255,000 | $59,000 | $180,000 |
| Collateral | 2 | $230,000 | $115,000 | $165,000 | $32,000 | $38,000 |
| Credit History | 1 | $125,000 | $125,000 | $125,000 | $39,000 | $39,000 |
| 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 |
| Credit Application Incomplete | 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 A/C Isabela'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 A/C Isabela'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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