What loan types does Cooperativa de Ahorro y Credito Oriental offer?

Cooperativa de Ahorro y Credito Oriental offers the following mortgage loan types: FHA, Conventional, usda. Each product has its own pricing score and performance metrics.

What type of lender is Cooperativa de Ahorro y Credito Oriental?

Cooperativa de Ahorro y Credito Oriental is a Independent Mortgage Company headquartered in Humacao, PR.

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Cooperativa de Ahorro y Credito Oriental

Independent Mortgage Company•Humacao, PRHQ•Direct•Reviews near you on Google

Cooperativa de Ahorro y Credito Oriental has 68 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

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

FHA · Conventional · USDA

Place

Strong

4/5

unknown · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Cooperativa de Ahorro y Credito Oriental performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

27 loans

Acceptable

Bottom 40% of lenders

2/5

FHA

12 loans

Sound

Top 60% of lenders

3/5

USDA

29 loans · 0.19% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

65 loans · 0.19% below market

Acceptable

Bottom 40% of lenders

2/5

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	Acceptable	Acceptable	—	Acceptable	27	39.7%	—	—
FHA Loans	Sound	Sound	—	—	12	17.6%	—	—
USDA Loans	Exceptional	Strong	—	Exceptional	29	42.6%	-0.190%Below	$2,118Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume27

Mix39.7%

Spread—

Fees—

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through—

Volume12

Mix17.6%

Spread—

Fees—

USDA Loans

Overall

Exceptional

Product

Strong

Pricing—

Pull Through

Exceptional

Volume29

Mix42.6%

Spread

-0.190%Below

Fees

$2,118Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	—	Sound	65	95.6%	-0.190%Below	$2,118Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing—

Pull Through

Sound

Volume65

Mix95.6%

Spread

-0.190%Below

Fees

$2,118Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

110

Volume

$7 million

Pricing & Closing

Pullthrough Rate

61.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$106,029

Avg Borrower Income

$56,838

Avg Property Value

$138,788

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 60Mix 88.24% of portfolio

68/100

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.