Applications / Mortgage Analytics / Lenders / Puerto Rico / Oriental Bank
San Juan, PR · State non-member bank · FDIC · $12.4 billion assets · 928 loans in 2025
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928
loans originated, 2025
1,708
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oriental Bank is a Puerto Rico home-purchase lender, third in San Juan-Bayamón-Caguas, and unlike similar banks most of its loans are government-backed.
Half its loans (50.3%) were insured by the Federal Housing Administration (FHA), against almost none at state non-member banks making between half and twice as many loans. A further 6.0% were guaranteed by the Department of Veterans Affairs (VA) and 6.2% by the Department of Agriculture's Rural Housing Service (RHS). Only 37.4% were conventional, the lowest share among those banks.
Home purchases made up 83.3% of its loans. Its typical loan of $135,000 is lower than about five in six similar banks, whose typical loan is $195,000. Its typical rate of 5.50% is lower than nearly all of them, whose typical rate is 6.75%; its government-backed mix is one possible reason.
It ranks 3 of 63 lenders in San Juan-Bayamón-Caguas, with 6.9%, up from 6.4%, behind Banco Popular de Puerto Rico and Firstbank. In Ponce its share rose from 6.8% to 10.0%, ranking 4 of 40. In Mayagüez its share fell from 7.5% to 6.2%; competitors' gains there, or its own growth in San Juan and Ponce, are possible reasons.
19.2% of its loans were in low- and moderate-income (LMI) tracts, against 14.6% for similar banks, higher than about four in five of them. Every loan was in a majority-minority tract, against 6.8% for similar banks; all its lending is in Puerto Rico.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Oriental Bank took 1,708 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 83.3% · Refinance 12.7% · Other 2.0% · Home improvement 1.9%
FHA 50.3% · Conventional 37.4% · USDA (RHS or FSA) 6.3% · VA 6.0% · of 928 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Puerto Rico | 928 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Juan-Bayamón-Caguas | 681 |
| Ponce | 71 |
| Mayagüez | 56 |
| Guayama | 40 |
| Aguadilla | 31 |
| Arecibo | 23 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZLPU75MU7O0T38 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 245276 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 47034 | 1990–1993 |
| Respondent ID (the HMDA filer code before 2018) | 331469 | 1994–2017 |
Established 25 March 1965. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Oriental Bank's data.
Oriental Bank's data
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