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Cooperativa De Ahorro Y Credito Oriental

Independent Mortgage CompanyHumacao, PRDirect

Cooperativa De Ahorro Y Credito Oriental has 68 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pull Through
Acceptable
closing strength
Products
Strong
FHA · Conventional · USDA
Place
Strong
unknown · 1 mkts

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Safe Rate's Summary

Things to Think About

  • Pull through efficiency is below industry average

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Report Card

Cooperativa De Ahorro Y Credito Oriental performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
N/A
No peer data
Pull Through
Closing strength
Acceptable
Near industry average
Bottom 40% of lenders
By Loan Product· Specialization by type
Conventional
Acceptable
Near industry average
Bottom 40% of lenders
FHA
Sound
Industry Standard
Top 60% of lenders
USDA
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Acceptable
Near industry average
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Varies1 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Acceptable
Acceptable
Acceptable
2739.7%
FHA Loans
Sound
Sound
1217.6%
USDA Loans
Exceptional
Strong
Exceptional
2942.6%
-0.190%Below
$2,118Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Acceptable
Sound
6595.6%
-0.190%Below
$2,118Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
68
Applications
110
Volume
$7 million
Typical Borrower
Avg Loan Amount
$106,029
Avg Borrower Income
$56,838
Avg Property Value
$138,788

Geographic Coverage

Geographic Performance

Metro Areas
1
States Served
0
We count Washington DC as a state
Avg Place Specialization
Strong

Top Metro Areas by Place Specialization Score

1
San Juan, PRMSA
Volume: 60Mix: 88.24%of portfolio
Place
Strong

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
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.