What loan types does Caribe Federal Credit Union offer?

Caribe Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

How competitive are Caribe Federal Credit Union's mortgage rates?

Caribe Federal Credit Union has an overall pricing score of 22.8/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Caribe Federal Credit Union?

Caribe Federal Credit Union is a Credit Union headquartered in San Juan, PR.

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Caribe Federal Credit Union

Credit Union•San Juan, PRHQ•Direct•Reviews near you on Google

Caribe Federal Credit Union has 42 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

unknown · 1 mkts

Summary

Things to Think About

Rates typically 70 basis points above market average
Pull through efficiency is below industry average

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Report Card

Caribe Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+69.8 bps above market avg

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

By Loan Product· Specialization by type

Conventional

Acceptable

Bottom 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Acceptable

Bottom 40% of lenders

Refinance

Sound

Top 60% of lenders

By Location· Geographic coverage

Geographic Reach

Varies · 1 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	—	Sound	37	88.1%	+0.816%Above	$3,312Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume37

Mix88.1%

Spread

+0.816%Above

Fees

$3,312Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	Sound	23	54.8%	+0.532%Above	$4,130Fees
Refinance	Sound	Sound	—	Sound	19	45.2%	+0.776%Above	$2,917Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Sound

Volume23

Mix54.8%

Spread

+0.532%Above

Fees

$4,130Fees

Refinance

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume19

Mix45.2%

Spread

+0.776%Above

Fees

$2,917Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

Volume

$6 million

Pricing & Closing

Avg Rate Spread

+0.698%

vs. market APOR

Avg Net Fees

$3,303

Origination − Credits

Pullthrough Rate

55.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$144,762

Avg Borrower Income

$97,548

Avg Property Value

$201,667

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

Top Metro Areas by Place Specialization Score

San Juan, PRMetro

Volume 31Mix 73.81% of portfolio

62/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.