Name of the lender

Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�aMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Arecibo, PR
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)
Earlier names on its filings: Cooperativa de Ahorro y Credito Dr. Manuel Zeno Gandia

Figures by state (CSV)

Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a reported 39 mortgage applications in the HMDA data of 2025.

It originated 23 loans in 2025, for $1.8 million in total.

The median interest rate of its loans in 2025 was 6.500%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $5,541, and the national median was $6,413.

It denied 23.3% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a, 2025
Figure	This lender	United States
Applications	39Under 0.1% of the US total	11,766,671
Loans originated	23$1.8 million	6,827,891
Median interest rate	6.500%	6.375%
Median total loan costs	$5,541	$6,413
Denial rate	23.3%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	23	6.500%US 6.375%	$5,541US $6,413	0.574US 0.161
Conventional	21	6.500%US 6.500%	$5,541US $5,393	0.530US 0.175

Interest rate and total loan costs of Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	22	6.500%US 6.500%	$5,461US $6,632	0.552US 0.169

Parts of the total loan costs of Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$3,189US $2,062	$2,438US $2,823	n/aUS $567
Conventional	$3,290US $1,981	$2,590US $2,588	n/aUS $604

The median rate spread of these loans was 0.574 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $1,722 more a year, or $144 more a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a and the United States

Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�aUnited States

Action takenHMDA codes and labels

Records of Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	23	59.0%	50.4%
2Application approved but not accepted	0	0.0%	3.1%
3Application denied	7	17.9%	15.6%
4Application withdrawn by applicant	9	23.1%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

The lender has fewer than 25 denials in 2025, so this page shows no reasons.

Loan types and purposesLoans of 2025

Applications of Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	35	21	22.2%US 23.4%
FHA-insured	4	2	n/aUS 21.8%

Applications of Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	35	22	95.7%
Home improvement	0	0	0.0%
Refinancing	2	1	4.3%
Cash-out refinancing	0	0	0.0%
Other purpose	2	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends1 state with 25 applications or more

Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
Puerto Rico	39	23	6.500%	$5,541	23.3%

Figures by yearHMDA 2022 to 2025

Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	39	23	6.500%	$5,541	23.3%	39
2024	n/a	n/a	n/a	n/a	n/a	39
2023	43	28	7.438%	$8,169	34.9%	43
2022	90	62	5.250%	$7,106	31.1%	90
2021	n/a	n/a	n/a	n/a	n/a	53
2020	n/a	n/a	n/a	n/a	n/a	32
2019	n/a	n/a	n/a	n/a	n/a	36
2018	n/a	n/a	n/a	n/a	n/a	57

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a and the United States

Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�aUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Capital MortgageSan Juan, PR
Caribe Federal Credit UnionSan Juan, PR
Coop. de A/C La PuertorriqueñaSan Juan, PR
Cooperativa de A/C CamuyCamuy, PR
Cooperativa de A/C IsabelaIsabela, PR
Cooperativa de A\C OrientalHumacao, PR
Cooperativa de AC ManatiManati, PR
Cooperativa La Sagrada FamiliaCorozal, PR
Multiples Mortgage Corp.Rio Piedras, PR
Senior Mortgage BankerSan Juan, PR
VegacoopVega Alta, PR
VIG MortgageSan Juan, PR

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a", https://lenderregister.com/lender/2549001fvj5mzi4yae11-cooperativa-de-ahorro-y-cr-dito-dr-manuel-zeno-gand-a/
Lender: Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a, LEI 2549001FVJ5MZI4YAE11
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
In which states did Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a originate the most loans in 2025?: It had 25 applications or more in one state only: Puerto Rico, with 23 loans originated.
Which loan types did Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a originate in 2025?: 21 conventional and 2 FHA.
How did the applications of Cooperativa de Ahorro y Cr�dito Dr. Manuel Zeno Gand�a change from 2022 to 2025?: It reported 90 applications in 2022 and 39 in 2025.