Purchase Originations
601
Ranked #567 nationally
Median Total Costs
$9,031
+35.2% vs national ($6,680)
↑ $582 vs prior year
Median Rate
5.500%
−15.3% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$4,725
Median Lender Credits
$18
Cost Rank (500+ vol.)
#501
among lenders with 500+ originations
Denial Rate
19.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| fha | 339 | 5.000% | $9,805 | $4,795 |
| conventional | 162 | 6.125% | $6,389 | $3,439 |
| usda | 58 | 5.000% | $9,475 | $5,479 |
| va | 42 | 5.500% | $11,106 | $6,025 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Puerto Rico | 601 | 5.500% | $9,031 | #5 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,460 | 5.250% | — | 19 | −$2,571 | |
| 2 | $6,704 | 5.500% | — | 17 | −$2,327 | |
| 3 | $7,090 | 5.375% | — | 12 | −$1,941 | |
| 4 | $8,064 | 5.375% | — | 12 | −$967 | |
| 5 | $8,395 | 4.750% | — | 11 | −$636 | |
| 6 | $8,476 | 5.250% | — | 13 | −$555 | |
| 7 | $8,601 | 5.750% | — | 27 | −$430 | |
| 8 | $8,660 | 5.500% | — | 19 | −$371 | |
| 9 | $9,021 | 5.500% | — | 15 | −$10 | |
| 10 | $9,441 | 5.250% | — | 14 | +$410 | |
| 11 | $9,597 | 5.125% | — | 14 | +$566 | |
| 12 | $9,733 | 5.750% | — | 76 | +$702 | |
| 13 | $9,822 | 5.500% | — | 16 | +$791 | |
| 14 | $10,012 | 5.375% | — | 46 | +$981 | |
| 15 | $10,101 | 5.500% | — | 28 | +$1,070 | |
| 16 | $10,183 | 5.000% | — | 10 | +$1,152 | |
| 17 | $10,359 | 5.000% | — | 19 | +$1,328 | |
| 18 | $11,242 | 5.750% | — | 11 | +$2,211 | |
| 19 | $11,666 | 5.500% | — | 11 | +$2,635 | |
| 20 | $13,289 | 5.250% | — | 16 | +$4,258 |
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 | Oriental Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $135,000 | $335,000 | −$200,000 (−59.7%) |
| Median total closing costs | $9,031 | $7,127 | +$1,904 (+26.7%) |
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.