We analyzed every closed loan from Oriental Bank — 764 loans across 2k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.
Shopping for a Mortgage?
Save Oriental Bank or ask our AI assistant to explore your options.
Safe Rate's Summary
What They Do Well
- Offers rates 9.40 basis points below market average
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
Explore another lender or local market
Report Card
Oriental Bank performance at a glance
| Category | Score | vs. Peers |
|---|---|---|
Overall Performance· Pricing & closing strength | ||
Pricing Rate competitiveness | Highly Competitive Rates 9.4 bps below market avg | |
Pull Through Closing strength | Highly Competitive Top 40% of lenders | |
By Loan Product· Specialization by type | ||
Conventional | Highly Competitive Top 40% of lenders | |
FHA | Market Leader Top 20% of lenders | |
VA | Highly Competitive Top 40% of lenders | |
USDA | Market Leader Top 20% of lenders | |
By Loan Purpose· Transaction purpose mix | ||
Purchase | Highly Competitive Top 40% of lenders | |
Refinance | Highly Competitive Top 40% of lenders | |
By Location· Geographic coverage | ||
Geographic Reach Coverage footprint | Highly Competitive Top 40% of lenders Varies7 markets | |
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 266 | 34.8% | +0.227%Above | $2,705Fees | ||||
FHA Loans | 385 | 50.4% | -0.291%Below | $2,988Fees | ||||
VA Loans | — | 46 | 6.0% | -0.885%Below | $3,476Fees | |||
USDA Loans | — | 58 | 7.6% | -0.604%Below | $2,333Fees |
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 654 | 85.6% | -0.057%Below | $2,801Fees | ||||
Refinance | 110 | 14.4% | -0.217%Below | $3,044Fees |
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.
Looking for a different lender?
Are you the owner of Oriental Bank?
Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.