Oriental Bank mortgage approval rate & lending review
Oriental Bank decided 1,317 mortgage applications and funded 902 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Oriental Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Oriental Bank at a glance
Approval is 14.5 points below the 84.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 71% | 695 / 973 | 98% | $155K | 681 |
| Cash-out refinance | 60% | 88 / 147 | 95% | $125K | 84 |
| Refinance | 74% | 26 / 35 | 100% | $115K | 26 |
| Investment property purchase | 75% | 98 / 130 | 96% | $125K | 94 |
Oriental Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Puerto Rico | 70% | $155K | 1,317 | 902 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Oriental Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Juan Municipio, PR | Mortgage lenders | 71% | 329 | 230 |
| Bayamón Municipio, PR | Mortgage lenders | 78% | 207 | 158 |
| Caguas Municipio, PR | Mortgage lenders | 75% | 154 | 112 |
| Carolina Municipio, PR | Mortgage lenders | 66% | 148 | 96 |
| Ponce Municipio, PR | Mortgage lenders | 66% | 135 | 85 |
| San Juan Municipio, PR | Cash-out refinance | 58% | 45 | 24 |
| Carolina Municipio, PR | Investment property purchase | 80% | 30 | 23 |
| Carolina Municipio, PR | Cash-out refinance | 66% | 29 | 18 |
| Bayamón Municipio, PR | Cash-out refinance | 57% | 30 | 16 |
The county markets where Oriental Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Oriental Bank
What is Oriental Bank's mortgage approval rate?
Oriental Bank approved 70.2% of the 1,317 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.5 points below the 84.7% national rate for the same mix of loan types.
How often do borrowers take the loan Oriental Bank offers?
Borrowers accepted 98% of the loans Oriental Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Oriental Bank make?
The typical home purchase mortgage loan Oriental Bank made was $155K; across all loan types its typical loan ran from $115K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Oriental Bank lend?
Oriental Bank decided applications in 1 of the states Fat Boy Data covers, most of them in Puerto Rico.
Can I apply to Oriental Bank directly?
Yes. Oriental Bank is a bank or credit union with 44 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Oriental Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Oriental Bank treats applications, then get a rate quote from the lender.