What loan types does Cooperativa de Ahorro y Credito de Camuy offer?

Cooperativa de Ahorro y Credito de Camuy offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

How competitive are Cooperativa de Ahorro y Credito de Camuy's mortgage rates?

Cooperativa de Ahorro y Credito de Camuy has an overall pricing score of 22.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Cooperativa de Ahorro y Credito de Camuy?

Cooperativa de Ahorro y Credito de Camuy is a Independent Mortgage Company headquartered in Camuy, PR.

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Cooperativa de Ahorro y Credito de Camuy

Independent Mortgage Company•Camuy, PRHQ•Direct•Reviews near you on Google

Cooperativa de Ahorro y Credito de Camuy has 96 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

Conventional

Place

Strong

4/5

unknown · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Cooperativa de Ahorro y Credito de Camuy performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+45.0 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

94 loans · 0.45% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

58 loans · 0.52% above market

Sound

Top 60% of lenders

3/5

Refinance

38 loans · 0.34% above market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Varies · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Sound	Acceptable	Exceptional	94	97.9%	+0.450%Above	$3,035Fees

Conventional

Overall

Sound

Product

Sound

Pricing

Acceptable

Pull Through

Exceptional

Volume94

Mix97.9%

Spread

+0.450%Above

Fees

$3,035Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Sound	Mediocre	Strong	58	60.4%	+0.522%Above	$2,677Fees
Refinance	Sound	Strong	Acceptable	Exceptional	38	39.6%	+0.343%Above	$3,561Fees

Purchase

Overall

Sound

Product

Sound

Pricing

Mediocre

Pull Through

Strong

Volume58

Mix60.4%

Spread

+0.522%Above

Fees

$2,677Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Exceptional

Volume38

Mix39.6%

Spread

+0.343%Above

Fees

$3,561Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

131

Volume

$13 million

Pricing & Closing

Avg Rate Spread

+0.450%

vs. market APOR

Avg Net Fees

$3,035

Origination − Credits

Pullthrough Rate

73.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$141,771

Avg Borrower Income

$84,104

Avg Property Value

$210,000

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

Top Metro Areas by Place Specialization Score

Arecibo, PRMetro

Volume 57Mix 59.38% of portfolio

99/100

Exceptional

San Juan, PRMetro

Volume 18Mix 18.75% of portfolio

53/100

Sound

Aguadilla, PRMetro

Volume 12Mix 12.50% of portfolio

50/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.