We analyzed every closed loan from Banco Popular De Puerto Ri — 2.2k loans across 3k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
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Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
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Report Card
Banco Popular de Puerto Rico performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Industry Standard +21.2 bps above market avg | |
Pull Through Closing strength | Market Leader Top 20% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Market Leader Top 20% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
Jumbo | Market Leader Top 20% of lenders | |
USDA | Market Leader Top 10% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Market Leader Top 20% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Market Leader Top 20% of lenders Varies7 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 976 | 44.9% | +0.589%Above | $2,657Fees | ||||
FHA Loans | 790 | 36.4% | -0.197%Below | $1,974Fees | ||||
VA Loans | 180 | 8.3% | -0.645%Below | $2,453Fees | ||||
Jumbo Loans | 73 | 3.4% | -0.261%Below | $1,137Fees | ||||
USDA Loans | 153 | 7.0% | -0.025%Below | $2,416Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 1,934 | 89.0% | +0.162%Above | $2,325Fees | ||||
Refinance | 238 | 11.0% | +0.564%Above | $2,694Fees |
At a Glance
Lender Overview
Geographic Coverage
Geographic Performance
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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