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

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

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

Explore another lender or local market

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

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

37 loans · 0.82% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

23 loans · 0.53% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

19 loans · 0.78% above market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Varies · 1 markets

Strong

Top 40% of lenders

4/5

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 the 5 Ps: Pricing, Product, Pull-Through, Place, and Promptness. Promptness measures how quickly a lender answers real shopper quote requests; a lender with none measured yet is counted at an estimate.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary Safe Rate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

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.