Cooperativa De Credito La Sagrada Familia Mortgage Rates, Fees & Info

Corozal,

LEI: 549300DP6NUMG3X4JQ52

Tax ID: 66-0269897

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Cooperativa De Credito La Sagrada Familia is a smaller mortgage company specializing in Home Purchase and Cash Out Refi loans. Cooperativa De Credito La Sagrada Familia has a high proportion of conventional loans. Their top markets by origination volume include: San Juan, Aguadilla, Ponce, Jayuya, and Coamo among others. We have data for 5 markets. (Some data included below & more in-depth data is available with an active subscription.)

    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.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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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






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Cooperativa De Credito La Sagrada Familia. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    116

    Origination Dollar Volume (All Markets)

    $13,200,000

    Awards

    COOPERATIVA DE CREDITO LA SAGRADA FAMILIA 30 Year Conventional Loans silver COOPERATIVA DE CREDITO LA SAGRADA FAMILIA 30 Year Conventional Loans gold
    Show all (2) awards

    Top 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) 111 $12,575,000 $113,288 $5,940 4.63%
    AGUADILLA-ISABELA, PR (FHA|USDA|VA) 2 $220,000 $110,000 $5,848 5.13%
    PONCE, PR (FHA|USDA|VA) 1 $195,000 $195,000 $7,847 4.50%
    Jayuya, PR (FHA|USDA|VA) 1 $115,000 $115,000 $6,521 5.25%
    Coamo, PR (FHA|USDA|VA) 1 $95,000 $95,000 $6,510 5.25%
    Cooperativa De Credito La Sagrada Familia's top markets include San Juan, Aguadilla, Ponce, Jayuya, and Coamo among others.

    Their top states include:
  • Puerto Rico (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against COOPERATIVA DE CREDITO LA SAGRADA FAMILIA based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    COOPERATIVA DE AHORRO Y CREDITO ROOSEVELT ROADS
    Similarity Rank: 9
    COOPERATIVA DE AHORRO Y CREDITO LAS PIEDRAS
    Similarity Rank: 18
    COOPERATIVA DE CREDITO LA SAGRADA FAMILIA
    Similarity Rank: 40
    Cooperativa de Ahorro y Credito Jesus Obrero
    Similarity Rank: 42
    COOPERATIVA DE AHORRO Y CREDITO DE MANATI INC.
    Similarity Rank: 46
    Cooperativa De Credito Y Ahorro San Jose
    Similarity Rank: 55
    COOPERATIVA DE AHORRO Y CREDITO DR. MANUEL ZENO GANDIA
    Similarity Rank: 84
    Cooperativa A/C Oriental
    Similarity Rank: 155
    CARIBE FEDERAL CREDIT UNION
    Similarity Rank: 156
    Cooperativa A/C de Arecibo
    Similarity Rank: 189

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 116 $13,200,000 $113,793 $5,966 4.65%

    For 2022, Cooperativa De Credito La Sagrada Familia's most frequently originated type of loan was Conventional, with 116 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 72 $7,180,000 $99,722 $5,031 4.41%
    Cash Out Refi 42 $5,720,000 $136,190 $7,506 5.06%
    Refi 2 $300,000 $150,000 $7,564 4.50%

    For 2022, Cooperativa De Credito La Sagrada Familia's most frequently cited loan purpose was Home Purchase, with 72 originations. The 2nd most popular reason was Cash Out Refi, with 42 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 95 $11,335,000 $119,316 $6,303 4.54%
    20 Year 10 $790,000 $79,000 $4,331 6.20%
    15 Year 9 $975,000 $108,333 $4,810 4.11%
    10 Year 1 $65,000 $65,000 $3,190 6.25%
    Other 1 $35,000 $35,000 $2,161 2.75%

    For 2022, Cooperativa De Credito La Sagrada Familia's most frequently cited loan duration was 30 Year, with 95 originations. The 2nd most popular length was 20 Year, with 10 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 47 $3,835,000 $81,596
    $2k-3k 29 $3,585,000 $123,621
    $3k-4k 15 $2,105,000 $140,333
    $5k+ 9 $1,905,000 $211,667
    $<1k 7 $345,000 $49,286
    $4k-5k 7 $1,275,000 $182,143

    Cooperativa De Credito La Sagrada Familia's average total fees were $6,303, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 47 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 40 $4,530,000 $113,250
    5-6% 32 $4,280,000 $133,750
    4-5% 30 $3,240,000 $108,000
    6-7% 6 $400,000 $66,667
    2.5-3% 5 $625,000 $125,000
    7-8% 3 $125,000 $41,667

    During 2022, Cooperativa De Credito La Sagrada Familia's average interest rate for loans was 4.54%, while their most frequently originated rate bucket for loans was 3-4%, with 40 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 58 $4,270,000 $73,621 $4,275 4.70%
    $100k-200k 49 $6,635,000 $135,408 $7,083 4.67%
    $200k-400k 9 $2,295,000 $255,000 $10,715 4.21%

    2022 saw Cooperativa De Credito La Sagrada Familia place emphasis on $100,000 or less loans with 58 originations, totaling $4,270,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 64 $5,960,000 $93,125 $5,197 4.62%
    $50k-75k 25 $3,175,000 $127,000 $6,589 4.81%
    $75k-100k 11 $1,505,000 $136,818 $6,323 4.70%
    $100k-150k 10 $1,640,000 $164,000 $8,172 4.76%
    $150k-250k 4 $450,000 $112,500 $6,924 4.59%
    $250k+ 2 $470,000 $235,000 $7,075 2.75%

    Cooperativa De Credito La Sagrada Familia lent most frequently to those with incomes in the $50k or less range, with 64 originations. The second most popular income band? $50k-75k, with 25 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 25 $3,465,000 $138,600 $7,202 4.50%
    30-36% 22 $2,260,000 $102,727 $5,827 4.80%
    <20% 13 $1,365,000 $105,000 $5,682 4.78%
    40% 8 $840,000 $105,000 $5,985 4.47%
    47% 7 $575,000 $82,143 $4,423 4.71%
    48% 6 $860,000 $143,333 $7,001 4.25%
    41% 6 $600,000 $100,000 $5,260 4.13%
    37% 5 $595,000 $119,000 $5,931 4.83%
    42% 4 $390,000 $97,500 $4,837 4.16%
    43% 4 $430,000 $107,500 $5,519 4.41%
    36% 4 $470,000 $117,500 $5,450 5.13%
    46% 4 $380,000 $95,000 $4,589 5.25%
    39% 4 $450,000 $112,500 $5,252 5.22%
    44% 3 $245,000 $81,667 $4,919 5.33%
    45% 1 $275,000 $275,000 $9,823 3.50%

    Cooperativa De Credito La Sagrada Familia lent most frequently to those with DTI ratios of 20-30%, with 25 originations. The next most common DTI ratio? 30-36%, with 22 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 114 $13,000,000 $114,035 $5,978 4.66%
    Black 2 $200,000 $100,000 $5,260 4.25%

    Approval Rates

    Total approvals of all applications
    92.45%

    Cooperativa De Credito La Sagrada Familia has an average approval rate.

    Pick Rate

    Approvals leading to origination
    76.72%

    Cooperativa De Credito La Sagrada Familia has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 116 $13,200,000 $113,793

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    116 $13,200,000 $113,793

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    40-60% 9 $715,000 $79,444 $4,496 4.71%
    60-80% 40 $3,990,000 $99,750 $5,363 4.86%
    80-100% 66 $8,450,000 $128,030 $6,583 4.49%
    Under 20% 1 $45,000 $45,000 $2,571 6.00%