Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi) Mortgage Rates, Fees & Info

SANTA ISABEL,

LEI: 549300QHKPYDSS5W8T62

Tax ID: 66-0258299

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Mortgage Data

Review & Overview

Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi) is a smaller mortgage company specializing in Home Purchase, Cash Out Refi, and Refi loans. Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi) has a high proportion of conventional loans. Their top markets by origination volume include: San Juan, Ponce, Santa Isabel, Coamo, and San GermÁn among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)

Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi) has an above average approval rate when compared to the average across all lenders. Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi) is typically a high 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 relatively high 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 6.27% 10/31/24
30 Year USDA Purchase 6.27% 10/31/24
15 Year Conventional Refi 5.68% 10/31/24
15 Year Cash-out Refi 5.68% 10/31/24
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 Ahorro Y Credito De Santa Isabel (cacsi) Mortgage Calculator






Your Estimates

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

This is not an official calculator from Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi). 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

18

Origination Dollar Volume (All Markets)

$1,860,000

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) 5 $695,000 $139,000 $136,325 5.55%
PONCE, PR (FHA|USDA|VA) 4 $480,000 $120,000 $57,552 6.06%
Santa Isabel, PR (FHA|USDA|VA) 4 $360,000 $90,000 $5,078 4.88%
Coamo, PR (FHA|USDA|VA) 3 $155,000 $51,667 $25,372 5.33%
SAN GERMÁN, PR (FHA|USDA|VA) 1 $125,000 $125,000 $4,710 4.75%
GUAYAMA, PR (FHA|USDA|VA) 1 $45,000 $45,000 $1,177 7.95%
Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi)'s top markets include San Juan, Ponce, Santa Isabel, Coamo, and San GermÁn among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 18 $1,860,000 $103,333 $56,342 5.57%

    For 2021, Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi)'s most frequently originated type of loan was Conventional, with 18 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 10 $900,000 $90,000 $3,910 5.95%
    Cash Out Refi 6 $570,000 $95,000 $66,167 4.88%
    Refi 2 $390,000 $195,000 $289,024 5.75%

    For 2021, Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi)'s most frequently cited loan purpose was Home Purchase, with 10 originations. The 2nd most popular reason was Cash Out Refi, with 6 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 10 $1,290,000 $129,000 $63,535 5.75%
    15 Year 7 $525,000 $75,000 $53,947 4.96%
    20 Year 1 $45,000 $45,000 $1,177 7.95%

    For 2021, Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi)'s most frequently cited loan duration was 30 Year, with 10 originations. The 2nd most popular length was 15 Year, with 7 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $2k-3k 6 $520,000 $86,667
    $3k-4k 4 $530,000 $132,500
    $<1k 3 $125,000 $41,667
    $4k-5k 2 $310,000 $155,000
    $1k-2k 1 $85,000 $85,000
    $5k+ 1 $245,000 $245,000

    Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi)'s average total fees were $63,535, while their most frequently occuring range of origination fees (closing costs) were in the $2k-3k bucket, with 6 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 8 $1,040,000 $130,000
    4-5% 5 $375,000 $75,000
    6-7% 2 $130,000 $65,000
    7-8% 2 $200,000 $100,000
    2.5-3% 1 $115,000 $115,000

    During 2021, Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi)'s average interest rate for loans was 5.75%, while their most frequently originated rate bucket for loans was 5-6%, with 8 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 10 $670,000 $67,000 $27,378 5.70%
    $100k-200k 7 $945,000 $135,000 $64,181 5.36%
    $200k-400k 1 $245,000 $245,000 $291,110 5.75%

    2021 saw Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi) place emphasis on $100,000 or less loans with 10 originations, totaling $670,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 6 $360,000 $60,000 $16,796 5.38%
    $50k-75k 5 $425,000 $85,000 $35,677 5.49%
    $150k-250k 3 $495,000 $165,000 $194,395 5.58%
    $100k-150k 2 $280,000 $140,000 $6,050 6.38%
    $250k+ 1 $165,000 $165,000 $5,866 5.75%
    $75k-100k 1 $135,000 $135,000 $133,839 5.25%

    Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi) lent most frequently to those with incomes in the $50k or less range, with 6 originations. The second most popular income band? $50k-75k, with 5 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    30-36% 9 $695,000 $77,222 $51,580 5.33%
    20-30% 4 $580,000 $145,000 $131,321 5.50%
    <20% 2 $320,000 $160,000 $6,628 6.88%
    37% 1 $45,000 $45,000 $2,125 5.00%
    42% 1 $95,000 $95,000 $4,555 6.75%
    43% 1 $125,000 $125,000 $4,710 4.75%

    Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi) lent most frequently to those with DTI ratios of 30-36%, with 9 originations. The next most common DTI ratio? 20-30%, with 4 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 17 $1,715,000 $100,882 $42,777 5.56%
    Black 1 $145,000 $145,000 $286,938 5.75%

    Approval Rates

    Total approvals of all applications
    94.74%

    Cooperativa De Ahorro Y Credito De Santa Isabel (cacsi) has an average approval rate.

    Pick Rate

    Approvals leading to origination

    Points and Fees

    Points Originations Total Value Average Loan
    NA 18 $1,860,000 $103,333

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    18 $1,860,000 $103,333

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    40-60% 2 $180,000 $90,000 $144,430 6.25%
    60-80% 6 $540,000 $90,000 $31,146 5.46%
    80-100% 10 $1,140,000 $114,000 $53,841 5.50%