Cooperativa De Ahorro Y Credito Jesus Obrero Mortgage Rates, Fees & Info
Guaynabo,LEI: 549300UZ22L3KMKOI185
Tax ID: 66-0267388
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Mortgage Data
Review & Overview
Cooperativa De Ahorro Y Credito Jesus Obrero is a smaller mortgage company specializing in Home Purchase loans. Cooperativa De Ahorro Y Credito Jesus Obrero has a high proportion of conventional loans. Their top two markets are San Juan and San GermÁn .Cooperativa De Ahorro Y Credito Jesus Obrero has an average approval rate when compared to the average across all lenders. They typically have relatively high rates.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.00% | 9/22/24 |
| 30 Year Conventional Refi | 6.64% | 9/22/24 |
| 30 Year Cash-out Refi | 6.27% | 9/22/24 |
| 30 Year USDA Purchase | 6.27% | 9/22/24 |
| 15 Year Conventional Purchase | 5.68% | 9/22/24 |
| 15 Year Conventional Refi | 6.26% | 9/22/24 |
| 15 Year Cash-out Refi | 6.26% | 9/22/24 |
| 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 Jesus Obrero Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
12Origination Dollar Volume (All Markets)
$1,420,000Top 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) | 11 | $1,295,000 | $117,727 | $0 | 6.10% |
| SAN GERMÁN, PR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.00% |
Their top states include:
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We use machine learning to identify the top lenders compared against Cooperativa de Ahorro y Credito Jesus Obrero based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 10 | $1,210,000 | $121,000 | $0 | 6.16% |
| USDA | 2 | $210,000 | $105,000 | $0 | 4.75% |
For 2018, Cooperativa De Ahorro Y Credito Jesus Obrero's most frequently originated type of loan was Conventional, with 10 originations. Their 2nd most popular type was USDA, with 2 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Home Purchase | 10 | $1,270,000 | $127,000 | $0 | 5.72% |
| Refi | 2 | $150,000 | $75,000 | $0 | 6.95% |
For 2018, Cooperativa De Ahorro Y Credito Jesus Obrero's most frequently cited loan purpose was Home Purchase, with 10 originations. The 2nd most popular reason was Refi, with 2 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 11 | $1,315,000 | $119,545 | $0 | 5.97% |
| 30 Year | 1 | $105,000 | $105,000 | $0 | 5.50% |
For 2018, Cooperativa De Ahorro Y Credito Jesus Obrero's most frequently cited loan duration was Other, with 11 originations. The 2nd most popular length was 30 Year, with 1 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 6 | $710,000 | $118,333 |
| 4-5% | 3 | $275,000 | $91,667 |
| 5-6% | 2 | $310,000 | $155,000 |
| 3-4% | 1 | $125,000 | $125,000 |
During 2018, Cooperativa De Ahorro Y Credito Jesus Obrero's average interest rate for loans was 5.50%, while their most frequently originated rate bucket for loans was 6-7%, with 6 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-200k | 6 | $870,000 | $145,000 | $0 | 5.81% |
| $100,000 or less | 5 | $345,000 | $69,000 | $0 | 6.08% |
| $200k-400k | 1 | $205,000 | $205,000 | $0 | 5.88% |
2018 saw Cooperativa De Ahorro Y Credito Jesus Obrero place emphasis on $100k-200k loans with 6 originations, totaling $870,000 in origination value.
Applicant Income
Cooperativa De Ahorro Y Credito Jesus Obrero lent most frequently to those with incomes in the $50k or less range, with 6 originations. The second most popular income band? $100k-150k, with 2 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 11 | $1,245,000 | $113,182 | $0 | 5.83% |
| Black | 1 | $175,000 | $175,000 | $0 | 6.95% |
Approval Rates
Total approvals of all applications81.25%
Cooperativa De Ahorro Y Credito Jesus Obrero has a below average approval rate.
Pick Rate
Approvals leading to originationPoints and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 12 | $1,420,000 | $118,333 |