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Cooperativa de Ahorro y Credito de Rincon

Independent Mortgage Company•Rincon, PR•Direct & Wholesale

Cooperativa De Ahorro Y Credito De Rincon has 60 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Exceptional
vs. all lenders
Pull Through
Sound
closing strength
Products
Sound
Conventional
Place
Strong
unknown · 2 mkts
Safe Rate Awards💎Refinance Champion⭐Conventional Superstar⭐Purchase Superstar

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Safe Rate's Summary

What They Do Well

  • Offers rates 54.40 basis points below market average

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Report Card

Cooperativa de Ahorro y Credito de Rincon performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Market Leader
Rates 54.4 bps below market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Varies2 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Sound
Exceptional
Exceptional
60100.0%
-0.544%Below
$2,301Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Strong
Sound
Strong
Exceptional
3456.7%
-0.626%Below
$1,929Fees
Refinance
Exceptional
Sound
Exceptional
Exceptional
2643.3%
-0.435%Below
$2,796Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
60
Applications
71
Volume
$8 million
Pricing & Closing
Avg Rate Spread
-0.544%
vs. market APOR
Avg Net Fees
$2,301
Origination − Credits
Pullthrough Rate
84.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$148,000
Avg Borrower Income
$83,817
Avg Property Value
$220,000

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
0
We count Washington DC as a state
Avg Place Specialization
Strong

Top Metro Areas by Place Specialization Score

1
Aguadilla, PR, PRMSA
Volume: 35Mix: 58.33%of portfolio
Place
Strong
2
Mayaguez, PR, PRMSA
Volume: 19Mix: 31.67%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.