Cooperativa De Credito La Sagrada Familia Mortgage Rates, Fees & Info
Corozal,LEI: 549300DP6NUMG3X4JQ52
Tax ID: 66-0269897
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Mortgage Data
Review & Overview
Cooperativa De Credito La Sagrada Familia is a smaller mortgage company specializing in Cash Out Refi and Home Purchase loans. Cooperativa De Credito La Sagrada Familia has a high proportion of conventional loans. Their top two markets are San Juan and Aguadilla .Cooperativa De Credito La Sagrada Familia has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Cooperativa De Credito La Sagrada Familia is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 5.22% | 12/16/24 |
| 30 Year Conventional Refi | 6.27% | 12/16/24 |
| 30 Year Cash-out Refi | 6.36% | 12/16/24 |
| 15 Year Conventional Purchase | 5.88% | 12/16/24 |
| 15 Year Conventional Refi | 5.68% | 12/16/24 |
| 15 Year Cash-out Refi | 5.68% | 12/16/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Cooperativa De Credito La Sagrada Familia Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
16Origination Dollar Volume (All Markets)
$1,050,000Top 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 |
|---|---|---|---|---|---|
| SAN JUAN-BAYAMÓN-CAGUAS, PR (FHA|USDA|VA) | 15 | $965,000 | $64,333 | $7,792 | 5.04% |
| AGUADILLA-ISABELA, PR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $5,015 | 4.50% |
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 16 | $1,050,000 | $65,625 | $7,619 | 5.01% |
For 2018, Cooperativa De Credito La Sagrada Familia's most frequently originated type of loan was Conventional, with 16 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Cash Out Refi | 11 | $705,000 | $64,091 | $8,899 | 5.20% |
| Home Purchase | 5 | $345,000 | $69,000 | $4,802 | 4.60% |
For 2018, Cooperativa De Credito La Sagrada Familia's most frequently cited loan purpose was Cash Out Refi, with 11 originations. The 2nd most popular reason was Home Purchase, with 5 originations.
Loan Duration/Length
For 2018, Cooperativa De Credito La Sagrada Familia's most frequently cited loan duration was 15 Year, with 5 originations. The 2nd most popular length was 30 Year, with 5 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $1k-2k | 7 | $335,000 | $47,857 |
| $2k-3k | 5 | $355,000 | $71,000 |
| $4k-5k | 2 | $240,000 | $120,000 |
| $<1k | 1 | $25,000 | $25,000 |
| $3k-4k | 1 | $95,000 | $95,000 |
Cooperativa De Credito La Sagrada Familia's average total fees were $5,123, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 7 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 8 | $450,000 | $56,250 |
| 5-6% | 6 | $480,000 | $80,000 |
| 3-4% | 1 | $95,000 | $95,000 |
| 6-7% | 1 | $25,000 | $25,000 |
During 2018, Cooperativa De Credito La Sagrada Familia's average interest rate for loans was 5.15%, while their most frequently originated rate bucket for loans was 4-5%, with 8 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100,000 or less | 14 | $810,000 | $57,857 | $7,758 | 4.94% |
| $100k-200k | 2 | $240,000 | $120,000 | $6,646 | 5.50% |
2018 saw Cooperativa De Credito La Sagrada Familia place emphasis on $100,000 or less loans with 14 originations, totaling $810,000 in origination value.
Applicant Income
Cooperativa De Credito La Sagrada Familia lent most frequently to those with incomes in the $50k or less range, with 11 originations. The second most popular income band? $50k-75k, with 2 originations.
Applicant Debt to Income Ratio
Cooperativa De Credito La Sagrada Familia lent most frequently to those with DTI ratios of 20-30%, with 2 originations. The next most common DTI ratio? 40%, with 2 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 16 | $1,050,000 | $65,625 | $7,619 | 5.01% |
Approval Rates
Total approvals of all applications95.65%
Cooperativa De Credito La Sagrada Familia has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination68.75%
Cooperativa De Credito La Sagrada Familia has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 16 | $1,050,000 | $65,625 |