Oriental Bank in Puerto Rico vs the state
20.0%Denial rate+4.26 pts vs state
26.4%Decision denial rate+7.93 pts vs state
54.3%Origination rate-12.90 pts vs state
5.50%Median rate-0.63 pts vs state
-0.26Rate spread (pts)-0.32 pts vs state
$61kMedian applicant income
928Loans originated
342Denied
Trend in Puerto Rico
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,798 | 898 | 21.5% | 6.00% | #3 |
| 2024 | 1,753 | 860 | 24.3% | 5.50% | #3 |
| 2025 | 1,708 | 928 | 20.0% | 5.50% | #3 |
What Oriental Bank lends in Puerto Rico
By loan purpose
By loan type
Why it denied Puerto Rico applicants
Where in Puerto Rico
Counties with the most Oriental Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| San Juan Municipio | 234 | 124 | 50 | 21.4% |
| Bayamón Municipio | 119 | 67 | 15 | 12.6% |
| Carolina Municipio | 97 | 50 | 27 | 27.8% |
| Caguas Municipio | 77 | 42 | 13 | 16.9% |
| Ponce Municipio | 59 | 31 | 11 | 18.6% |
| Guaynabo Municipio | 55 | 35 | 6 | 10.9% |
| Humacao Municipio | 49 | 31 | 7 | 14.3% |
| Mayagüez Municipio | 39 | 23 | 8 | 20.5% |
| Las Piedras Municipio | 37 | 22 | 6 | 16.2% |
| Toa Baja Municipio | 34 | 18 | 8 | 23.5% |
Other large lenders in Puerto Rico
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Banco Popular de Puerto Rico | C | 3,894 | 20.4% | 6.25% |
| Firstbank Puerto Rico | C | 3,233 | 22.0% | 5.75% |
| The Money House | B | 1,602 | 10.8% | 6.00% |
| First Equity Mortgage Bankers | D | 1,517 | 17.7% | 6.00% |
| Preferred Mortgage | C | 732 | 11.6% | 5.75% |
| Hr Mortgage | D | 697 | 20.8% | 6.25% |
| Home Mortgage Bankers | C | 678 | 0.3% | 6.50% |
| Metro Island Mortgage | A | 588 | 0.2% | 5.75% |
| Trust Mortgage | C | 559 | 8.1% | 5.75% |
| Pentagon Federal Credit Union | F | 519 | 43.0% | 5.88% |
Frequently asked questions
Puerto Rico: 1,708 applications in 2025, of which 928 were originated and 342 denied.
20.0% of all applications, or 26.4% of the applications it actually decided on. The Puerto Rico statewide average across all lenders was 15.8%.
The median rate on loans Oriental Bank originated in Puerto Rico in 2025 was 5.50%, against a statewide median of 6.13%.
About this data. Figures are Oriental Bank's own HMDA filing for properties located in Puerto Rico, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology