Oriental Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
13th26.4% deniedPricingmedian rate spread over APOR, weight 30%
94th-0.26 ptsProcesswithdrawn + incomplete share, weight 15%
21st24.2%Closing coststotal loan costs ÷ loan amount, weight 10%
1st6.42% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,798 | 898 | 21.5% | 29.5% | 6.00% | $136M |
| 2024 | 1,753 | 860 | 24.3% | 32.6% | 5.50% | $156M |
| 2025 | 1,708 | 928 | 20.0% | 26.4% | 5.50% | $191M |
What Oriental Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 168 investment properties.
Why Oriental Bank denies applications
Primary reason reported for each of the 342 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Oriental Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 640 | 319 | 30.0% |
| $50k – $100k | 517 | 271 | 29.6% |
| $100k – $150k | 233 | 112 | 30.2% |
| $150k – $250k | 123 | 70 | 23.4% |
| Over $250k | 95 | 62 | 15.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 45 | 25 | 27.8% |
| 25–34 | 431 | 250 | 26.2% |
| 35–44 | 387 | 224 | 24.4% |
| 45–54 | 385 | 205 | 25.1% |
| 55–64 | 255 | 127 | 26.1% |
| 65–74 | 141 | 63 | 34.0% |
| Over 74 | 49 | 19 | 46.0% |
Where Oriental Bank lends
1 states and 76 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Puerto Rico | 1,708 | 928 | 20.0% | 5.50% | #3 |
Frequently asked questions
Oriental Bank denied 26.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 13th percentile of mid-size mortgage lenders.
The most common reason Oriental Bank gave in 2025 was "collateral", cited on 55.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Oriental Bank originated in 2025 was 5.50%, and its median rate spread over the average prime offer rate was -0.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 76% of its applications were for home purchases, 19% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 37% conventional, 50% FHA, 6% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.