ORIENTAL BANK closing costs and rates (2024)
In 2024, ORIENTAL BANK originated 581 purchase mortgages at a median interest rate of 5.50% and median total closing costs of $8,449. That ranks #580 nationally by origination volume. For total closing costs among lenders with 500+ originations, ORIENTAL BANK ranks #471. That is $1,708 above the national median of $6,741. ORIENTAL BANK is most active in Puerto Rico with 581 originations there.
Purchase Originations
581
Ranked #580 nationally
Median Total Costs
$8,449
+25.3% vs national ($6,741)
Median Rate
5.500%
−16.9% vs national (6.620%)
Median Origination
$3,958
Median Lender Credits
$11
Cost Rank (500+ vol.)
#471
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 330 | 5.250% | $9,036 | $3,906 |
| conventional | 158 | 6.125% | $6,733 | $3,844 |
| usda | 58 | 5.250% | $8,201 | $4,226 |
| va | 35 | 5.500% | $9,005 | $4,950 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Puerto Rico | 581 | 5.500% | $8,449 | #5 |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,607 | 5.250% | — | 13 | −$2,842 | |
| 2 | $6,989 | 5.500% | — | 29 | −$1,460 | |
| 3 | $7,236 | 5.250% | — | 26 | −$1,213 | |
| 4 | $7,276 | 5.500% | — | 12 | −$1,173 | |
| 5 | $8,297 | 6.062% | — | 12 | −$152 | |
| 6 | $8,456 | 5.500% | — | 9 | +$7 | |
| 7 | $8,817 | 5.500% | — | 49 | +$368 | |
| 8 | $8,927 | 5.500% | — | 35 | +$478 | |
| 9 | $9,645 | 5.250% | — | 11 | +$1,196 | |
| 10 | $9,706 | 5.375% | — | 8 | +$1,257 | |
| 11 | $9,877 | 5.750% | — | 13 | +$1,428 | |
| 12 | $9,910 | 5.500% | — | 13 | +$1,461 | |
| 13 | $9,976 | 5.250% | — | 15 | +$1,527 | |
| 14 | $10,059 | 5.750% | — | 67 | +$1,610 | |
| 15 | $10,400 | 5.500% | — | 14 | +$1,951 | |
| 16 | $10,420 | 5.500% | — | 11 | +$1,971 | |
| 17 | $13,200 | 5.312% | — | 20 | +$4,751 | |
| 18 | $13,397 | 5.688% | — | 30 | +$4,948 | |
| 19 | $13,582 | 5.000% | — | 10 | +$5,133 | |
| 20 | $14,667 | 5.250% | — | 9 | +$6,218 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, 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.