# Oriental Bank

> **Canonical URL:** https://saferate.com/lenders/oriental-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Oriental Bank is a bank, headquartered in San Juan, PR, with 764 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 34% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 33% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300ZLPU75MU7O0T38
- **Headquarters:** San Juan, PR
- **Geographic Reach:** unknown
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 67/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.094%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,856
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 764
- **Dollar Volume:** $140 million
- **Applications Received:** 1,591
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $183,154
- **Average Borrower Income:** $99,090
- **Average Property Value:** $238,691

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 66/100 | 266 | +0.227% | $2,705 | Strong 😀 |
| FHA | 80/100 | 385 | -0.291% | $2,988 | Exceptional 🤩 |
| VA | 71/100 | 46 | -0.885% | $3,476 | Strong 😀 |
| USDA | 83/100 | 58 | -0.604% | $2,333 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 222 loans, Score: 64/100 (Strong)
- Refinance: 44 loans, Score: 62/100 (Strong)

**FHA:**
- Purchase: 330 loans, Score: 80/100 (Strong)
- Refinance: 55 loans, Score: 77/100 (Strong)

**VA:**
- Purchase: 35 loans, Score: 68/100 (Strong)

**USDA:**
- Purchase: 58 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 654 | $123M | -0.057% | Strong 😀 |
| Refinance | 71/100 | 110 | $17M | -0.217% | Strong 😀 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| San Juan | PR | 559 | 90/100 |
| Ponce, PR | PR | 51 | 78/100 |
| Mayaguez, PR | PR | 50 | 73/100 |
| Aguadilla, PR | PR | 30 | 64/100 |
| Guayama, PR | PR | 27 | 91/100 |
| Non |  | 27 | 31/100 |
| Arecibo, PR | PR | 20 | 56/100 |

## Where This Lender Ranks

Oriental Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Guayama, PR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/guayama-pr/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Guayama, PR for USDA Loans
  - [View Full Rankings](https://saferate.com/guayama-pr/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Guayama, PR for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/guayama-pr/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in San Juan for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Ponce, PR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/ponce-pr/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Guayama, PR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/guayama-pr/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Guayama, PR for FHA Loans
  - [View Full Rankings](https://saferate.com/guayama-pr/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in San Juan
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders)
- 🥉 **#3** in San Juan for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in San Juan for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in San Juan for VA Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/va-loans)
- 🥉 **#3** in San Juan for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in San Juan for Jumbo Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/jumbo-loans)
- 🥉 **#3** in San Juan for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in San Juan for USDA Loans
  - [View Full Rankings](https://saferate.com/san-juan/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Ponce, PR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/ponce-pr/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Ponce, PR for FHA Loans
  - [View Full Rankings](https://saferate.com/ponce-pr/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Mayaguez, PR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/mayaguez-pr/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Mayaguez, PR for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/mayaguez-pr/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Aguadilla, PR for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/aguadilla-pr/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Oriental Bank offer?

Oriental Bank offers the following mortgage loan types: FHA, Conventional, VA, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### How competitive are Oriental Bank's mortgage rates?

Oriental Bank has a pricing score of 66/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.094% below market average.

### What type of lender is Oriental Bank?

Oriental Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in San Juan, PR.

### What is Oriental Bank's loan approval success rate?

Oriental Bank has a pull-through score of 67/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/oriental-bank

### How to Cite

> "Oriental Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/oriental-bank

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