We analyzed every closed loan from Oriental Bank — 764 loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · USDA
Place
Strong
4/5
unknown · 6 mkts
Awards
Conventional
Superstar
FHA
Superstar
Purchase
Superstar
Refinance
Superstar
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
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Report Card
Oriental Bank performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 9.4 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Exceptional
Top 20% of lenders
VA
Strong
Top 40% of lenders
USDA
Exceptional
Top 20% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Varies · 7 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 | 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 |
Conventional
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
Volume266
Mix34.8%
Spread
+0.227%Above
Fees
$2,705Fees
FHA Loans
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume385
Mix50.4%
Spread
-0.291%Below
Fees
$2,988Fees
VA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughStrong
Volume46
Mix6.0%
Spread
-0.885%Below
Fees
$3,476Fees
USDA Loans
OverallStrong
ProductExceptional
Pricing—
Pull ThroughStrong
Volume58
Mix7.6%
Spread
-0.604%Below
Fees
$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 |
Purchase
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume654
Mix85.6%
Spread
-0.057%Below
Fees
$2,801Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughSound
Volume110
Mix14.4%
Spread
-0.217%Below
Fees
$3,044Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
764
Applications
1,591
Volume
$139 million
Pricing & Closing
Avg Rate Spread
-0.094%
vs. market APOR
Avg Net Fees
$2,856
Origination − Credits
Pullthrough Rate
48.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$183,154
Avg Borrower Income
$99,090
Avg Property Value
$238,691
Geographic Coverage
Geographic Performance
Metro Areas
6
markets with activity
States Served
0
of 50 states + DC
Avg Place Specialization
Strong
4/5
Top Metro Areas by Place Specialization Score
Volume 27Mix 3.53% of portfolio
91/100
Exceptional
Volume 559Mix 73.17% of portfolio
90/100
Exceptional
Volume 51Mix 6.68% of portfolio
78/100
Strong
Volume 50Mix 6.54% of portfolio
73/100
Strong
Volume 30Mix 3.93% of portfolio
64/100
Strong
Volume 20Mix 2.62% of portfolio
56/100
SoundHow 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.