Purchase Originations
1,573
Ranked #274 nationally
Median Total Costs
$7,056
+5.6% vs national ($6,680)
↑ $260 vs prior year
Median Rate
5.750%
−11.4% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,137
Median Lender Credits
$133
Cost Rank (500+ vol.)
#373
among lenders with 500+ originations
Denial Rate
19.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 904 | 5.875% | $5,807 | $2,854 |
| fha | 495 | 5.250% | $10,027 | $3,668 |
| usda | 88 | 5.250% | $7,472 | $3,012 |
| va | 86 | 5.250% | $8,671 | $3,839 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Puerto Rico | 1,341 | 5.750% | $7,765 | #2 |
| Florida | 232 | 6.250% | $5,012 | #147 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,002 | 6.438% | — | 24 | −$3,054 | |
| 2 | $4,518 | 6.250% | — | 104 | −$2,538 | |
| 3 | $5,466 | 6.250% | — | 97 | −$1,590 | |
| 4 | $5,799 | 5.750% | — | 32 | −$1,257 | |
| 5 | $6,105 | 5.750% | — | 28 | −$951 | |
| 6 | $6,703 | 5.750% | — | 35 | −$353 | |
| 7 | $7,162 | 5.750% | — | 68 | +$106 | |
| 8 | $7,596 | 5.875% | — | 288 | +$540 | |
| 9 | $7,684 | 5.750% | — | 101 | +$628 | |
| 10 | $7,751 | 5.500% | — | 30 | +$695 | |
| 11 | $7,802 | 5.750% | — | 112 | +$746 | |
| 12 | $8,037 | 5.750% | — | 27 | +$981 | |
| 13 | $8,272 | 5.750% | — | 42 | +$1,216 | |
| 14 | $8,843 | 5.500% | — | 23 | +$1,787 | |
| 15 | $10,083 | 5.750% | — | 21 | +$3,027 | |
| 16 | $10,467 | 5.750% | — | 86 | +$3,411 | |
| 17 | $10,883 | 5.750% | — | 21 | +$3,827 | |
| 18 | $11,230 | 5.250% | — | 30 | +$4,174 | |
| 19 | $11,933 | 5.625% | — | 30 | +$4,877 | |
| 20 | $13,633 | 5.750% | — | 28 | +$6,577 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Firstbank Puerto Rico | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $175,000 | $335,000 | −$160,000 (−47.8%) |
| Median total closing costs | $7,056 | $7,127 | −$71 (−1.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.