Name of the lender

Cooperativa de A/C CamuyMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Camuy, PR
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)
Earlier names on its filings: Cooperativa A/C Camuy; Cooperativa de A/C de Camuy

Figures by state (CSV)

Cooperativa de A/C Camuy reported 189 mortgage applications in the HMDA data of 2025.

It originated 174 loans in 2025, for $31.1 million in total.

The median interest rate of its loans in 2025 was 6.750%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $7,094, and the national median was $6,413.

It denied 7.9% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of Cooperativa de A/C Camuy, 2025
Figure	This lender	United States
Applications	189Under 0.1% of the US total	11,766,671
Loans originated	174$31.1 million	6,827,891
Median interest rate	6.750%	6.375%
Median total loan costs	$7,094	$6,413
Denial rate	7.9%	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 A/C Camuy 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	174	6.750%US 6.375%	$7,094US $6,413	0.310US 0.161
Conventional	174	6.750%US 6.500%	$7,094US $5,393	0.310US 0.175

Interest rate and total loan costs of Cooperativa de A/C Camuy 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	89	6.750%US 6.500%	$5,434US $6,632	0.340US 0.169
Refinancing	53	6.250%US 5.999%	$8,970US $4,883	0.310US −0.069
Cash-out refinancing	21	6.750%US 6.500%	n/aUS $8,095	0.188US 0.376

Parts of the total loan costs of Cooperativa de A/C Camuy 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	$3,414US $2,062	n/aUS $2,823	n/aUS $567
Conventional	$3,414US $1,981	n/aUS $2,588	n/aUS $604

The median rate spread of these loans was 0.310 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $930 more a year, or $78 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 A/C Camuy and the United States

Cooperativa de A/C CamuyUnited States

Action takenHMDA codes and labels

Records of Cooperativa de A/C Camuy by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	174	91.6%	50.4%
2Application approved but not accepted	0	0.0%	3.1%
3Application denied	15	7.9%	15.6%
4Application withdrawn by applicant	0	0.0%	12.6%
5File closed for incompleteness	0	0.0%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	1	0.5%	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 A/C Camuy by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	189	174	7.9%US 23.4%

Applications of Cooperativa de A/C Camuy by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	99	89	51.1%
Home improvement	0	0	0.0%
Refinancing	58	53	30.5%
Cash-out refinancing	21	21	12.1%
Other purpose	11	11	6.3%

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 A/C Camuy 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	189	174	6.750%	$7,094	7.9%

Figures by yearHMDA 2022 to 2025

Cooperativa de A/C Camuy 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	189	174	6.750%	$7,094	7.9%	190
2024	146	109	6.950%	$5,345	8.3%	146
2023	126	119	6.750%	$5,812	5.6%	126
2022	86	81	5.950%	$4,224	5.8%	86
2021	n/a	n/a	n/a	n/a	n/a	145
2020	n/a	n/a	n/a	n/a	n/a	94
2018	n/a	n/a	n/a	n/a	n/a	77

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 A/C Camuy and the United States

Cooperativa de A/C CamuyUnited 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.

Actual Mortgage BankersBayamon, PR
Capital MortgageSan Juan, PR
Caribe Federal Credit UnionSan Juan, PR
Coop. de A/C La PuertorriqueñaSan Juan, PR
Cooperativa de AC ManatiManati, PR
Cooperativa de Ahorroy CreditoRincon, PR
Cooperativa La Sagrada FamiliaCorozal, PR
EMI Equity Mortgage, Inc.San Juan, PR
Multiples Mortgage Corp.Rio Piedras, PR
RF Mortgage & Investment CorpSan Juan, PR
Senior Mortgage BankerSan Juan, 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 A/C Camuy mortgage rates, 2025", https://lenderregister.com/lender/549300t69mhcqoic3f90-cooperativa-de-a-c-camuy/
Lender: Cooperativa de A/C Camuy, LEI 549300T69MHCQOIC3F90
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 A/C Camuy 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 A/C Camuy originate the most loans in 2025?: It had 25 applications or more in one state only: Puerto Rico, with 174 loans originated.
Which loan types did Cooperativa de A/C Camuy originate in 2025?: All its loans were of one type: 174 Conventional.
How did the applications of Cooperativa de A/C Camuy change from 2022 to 2025?: It reported 86 applications in 2022 and 189 in 2025.