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Oriental Bank
Bank|San Juan, PR|unknown
Loans Originated
764
Applications
1,591
Volume
$139 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
-0.094%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,856
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
48.0%
Percentage of applications that result in closed loans
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
Report Card
Oriental Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
USDA | Exceptional | Market Leader | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Varies · 7 metro areas · 0 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$183,154
Average Borrower Income
$99,090
Average Property Value
$238,691
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 266 | 34.8% | +0.227% | $2,705 |
FHA Loans | Strong | Exceptional | Strong | Strong | 385 | 50.4% | -0.291% | $2,988 |
VA Loans | Strong | Strong | N/A | Strong | 46 | 6.0% | -0.885% | $3,476 |
USDA Loans | Strong | Exceptional | N/A | Strong | 58 | 7.6% | -0.604% | $2,333 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 654 | 85.6% | -0.057% | $2,801 |
Refinance | Strong | Strong | Strong | Sound | 110 | 14.4% | -0.217% | $3,044 |
Geographic Coverage
Metro Areas
6
States Served
0
We count Washington DC as a state
Avg Place Specialization
Strong
Top Metro Areas by Place Specialization Score
1
Guayama, PR, PRMSA
Volume: 27Mix: 3.53%
Place Specialization
Exceptional
2
San Juan, PRMSA
Volume: 559Mix: 73.17%
Place Specialization
Exceptional
3
Ponce, PR, PRMSA
Volume: 51Mix: 6.68%
Place Specialization
Strong
4
Mayaguez, PR, PRMSA
Volume: 50Mix: 6.54%
Place Specialization
Strong
5
Aguadilla, PR, PRMSA
Volume: 30Mix: 3.93%
Place Specialization
Strong
6
Arecibo, PR, PRMSA
Volume: 20Mix: 2.62%
Place Specialization
Sound
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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