Cooperativa De Ahoro Y Crédito Bo. Quebrada De Camuy P.r. Mortgage Rates, Fees & Info
Camuy,LEI: 25490099XNQQU8T3WI97
Tax ID: 66-0236963
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Mortgage Data
Review & Overview
Cooperativa De Ahoro Y Crédito Bo. Quebrada De Camuy P.r. is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Cooperativa De Ahoro Y Crédito Bo. Quebrada De Camuy P.r. has a high proportion of conventional loans. Their top markets by origination volume include: Arecibo, Aguadilla, and San Juan among others. We have data for 3 markets. (Some data included below & more in-depth data is available with an active subscription.)Cooperativa De Ahoro Y Crédito Bo. Quebrada De Camuy P.r. has an above average approval rate when compared to the average across all lenders.
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Originations
19Origination Dollar Volume (All Markets)
$1,295,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Arecibo, PR (FHA|USDA|VA) | 9 | $615,000 | $68,333 | $0 | 0.00% |
| AGUADILLA-ISABELA, PR (FHA|USDA|VA) | 9 | $575,000 | $63,889 | $0 | 0.00% |
| SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 19 | $1,295,000 | $68,158 | $0 | 0.00% |
For 2020, Cooperativa De Ahoro Y Crédito Bo. Quebrada De Camuy P.r.'s most frequently originated type of loan was Conventional, with 19 originations.
Loan Reason
For 2020, Cooperativa De Ahoro Y Crédito Bo. Quebrada De Camuy P.r.'s most frequently cited loan purpose was Home Purchase, with 9 originations. The 2nd most popular reason was Cash Out Refi, with 5 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 19 | $1,295,000 | $68,158 | $0 | 0.00% |
For 2020, Cooperativa De Ahoro Y Crédito Bo. Quebrada De Camuy P.r.'s most frequently cited loan duration was Other, with 19 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 15 | $835,000 | $55,667 | $0 | 0.00% |
| $100k-200k | 4 | $460,000 | $115,000 | $0 | 0.00% |
2020 saw Cooperativa De Ahoro Y Crédito Bo. Quebrada De Camuy P.r. place emphasis on $100,000 or less loans with 15 originations, totaling $835,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k or less | 14 | $890,000 | $63,571 | $0 | 0.00% |
| $50k-75k | 4 | $350,000 | $87,500 | $0 | 0.00% |
| $100k-150k | 1 | $55,000 | $55,000 | $0 | 0.00% |
Cooperativa De Ahoro Y Crédito Bo. Quebrada De Camuy P.r. lent most frequently to those with incomes in the $50k or less range, with 14 originations. The second most popular income band? $50k-75k, with 4 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 19 | $1,295,000 | $68,158 | $0 | 0.00% |
Cooperativa De Ahoro Y Crédito Bo. Quebrada De Camuy P.r. lent most frequently to those with DTI ratios of Exempt%, with 19 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 18 | $1,240,000 | $68,889 | $0 | 0.00% |
| Black | 1 | $55,000 | $55,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications100.00%
Cooperativa De Ahoro Y Crédito Bo. Quebrada De Camuy P.r. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 19 | $1,295,000 | $68,158 |