Oceanside Mortgage Company Rates, Fees & Info
Toms River, NJLEI: 5493004R423PBPM6A173
Tax ID: 22-3470404
5 stars
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Overview
Oceanside Mortgage Company is a smaller mortgage company specializing in Refi loans. They have a a high proportion of FHA loans. Oceanside Mortgage Company has an average proportion of conventional loans. They have a low ratio of USDA loans. Their top markets include New York, Atlanta, Dallas, Houston, and Chicago among others. Oceanside Mortgage Company has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Oceanside Mortgage Company is typically a low fee lendor.Originations
2,091Origination Dollar Volume (All Markets)
$394,065,000Awards
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OCEANSIDE MORTGAGE COMPANY - 2021
OCEANSIDE MORTGAGE COMPANY is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Oceanside Mortgage Company's average 30 year fixed rate mortgage of loans were
2.84%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of -0.31%.
Relative Fees
Oceanside Mortgage Company's average total fees for a 30 year fixed rate
mortgage are $3,082.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 99 | $27,715,000 | $279,949 | $4,051 | 2.69% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 98 | $19,590,000 | $199,898 | $3,211 | 2.82% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 78 | $15,020,000 | $192,564 | $3,053 | 2.71% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 77 | $14,095,000 | $183,052 | $2,940 | 2.80% |
| Outside of Metro Areas | 93 | $13,475,000 | $144,892 | $2,241 | 2.94% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 59 | $11,575,000 | $196,186 | $3,273 | 2.78% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 32 | $9,850,000 | $307,813 | $4,695 | 2.77% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 42 | $8,790,000 | $209,286 | $3,816 | 2.85% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 49 | $8,295,000 | $169,286 | $2,569 | 2.83% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 24 | $8,060,000 | $335,833 | $5,365 | 2.80% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 35 | $7,635,000 | $218,143 | $3,625 | 2.81% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 32 | $7,150,000 | $223,438 | $3,687 | 2.78% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 33 | $6,245,000 | $189,242 | $3,073 | 2.92% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 28 | $5,130,000 | $183,214 | $2,901 | 2.69% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 23 | $4,835,000 | $210,217 | $3,564 | 2.86% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 15 | $4,545,000 | $303,000 | $3,553 | 3.06% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 15 | $4,185,000 | $279,000 | $4,164 | 2.71% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 28 | $3,840,000 | $137,143 | $2,325 | 2.91% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 21 | $3,815,000 | $181,667 | $2,907 | 2.82% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 14 | $3,720,000 | $265,714 | $3,838 | 2.96% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 20 | $3,630,000 | $181,500 | $3,129 | 2.66% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 15 | $3,245,000 | $216,333 | $3,219 | 2.80% |
| FORT WAYNE, IN (FHA|USDA|VA) | 21 | $3,235,000 | $154,048 | $2,037 | 2.78% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 14 | $3,000,000 | $214,286 | $3,524 | 2.81% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 7 | $2,975,000 | $425,000 | $5,959 | 2.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 21 | $2,955,000 | $140,714 | $2,360 | 2.92% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 14 | $2,900,000 | $207,143 | $3,028 | 2.89% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 15 | $2,885,000 | $192,333 | $2,977 | 2.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 15 | $2,835,000 | $189,000 | $3,164 | 2.88% |
| RICHMOND, VA (FHA|USDA|VA) | 15 | $2,675,000 | $178,333 | $2,544 | 2.83% |
| PITTSBURGH, PA (FHA|USDA|VA) | 17 | $2,645,000 | $155,588 | $2,191 | 2.98% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 14 | $2,630,000 | $187,857 | $3,533 | 2.79% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $2,565,000 | $366,429 | $4,949 | 2.84% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 9 | $2,545,000 | $282,778 | $4,795 | 2.72% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 10 | $2,530,000 | $253,000 | $4,358 | 2.79% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 12 | $2,450,000 | $204,167 | $3,399 | 2.79% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 15 | $2,295,000 | $153,000 | $2,527 | 2.76% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 11 | $2,225,000 | $202,273 | $3,412 | 2.84% |
| DOVER, DE (FHA|USDA|VA) | 10 | $2,200,000 | $220,000 | $3,305 | 2.62% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 10 | $2,050,000 | $205,000 | $3,573 | 2.81% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 12 | $2,050,000 | $170,833 | $2,937 | 2.79% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 11 | $2,025,000 | $184,091 | $2,425 | 2.74% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 14 | $2,020,000 | $144,286 | $2,603 | 2.97% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 11 | $1,965,000 | $178,636 | $3,021 | 2.66% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 10 | $1,860,000 | $186,000 | $3,108 | 2.77% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $1,820,000 | $182,000 | $3,508 | 2.69% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 12 | $1,810,000 | $150,833 | $2,648 | 2.80% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $1,765,000 | $196,111 | $2,848 | 2.75% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 12 | $1,740,000 | $145,000 | $2,584 | 2.80% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $1,740,000 | $290,000 | $3,940 | 2.60% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $1,740,000 | $435,000 | $7,041 | 2.81% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 12 | $1,710,000 | $142,500 | $2,008 | 3.03% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $3,851 | 2.71% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 7 | $1,575,000 | $225,000 | $3,870 | 2.46% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 12 | $1,560,000 | $130,000 | $2,210 | 2.91% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 12 | $1,510,000 | $125,833 | $1,708 | 2.71% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $3,209 | 2.89% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 7 | $1,365,000 | $195,000 | $2,419 | 2.75% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 12 | $1,360,000 | $113,333 | $2,066 | 2.98% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 9 | $1,345,000 | $149,444 | $2,581 | 2.77% |
| Hobbs, NM (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $3,779 | 3.17% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 7 | $1,305,000 | $186,429 | $2,154 | 2.96% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 8 | $1,280,000 | $160,000 | $2,483 | 2.79% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $2,884 | 2.89% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $4,729 | 2.94% |
| COLUMBIA, SC (FHA|USDA|VA) | 9 | $1,205,000 | $133,889 | $2,311 | 2.89% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 8 | $1,170,000 | $146,250 | $2,615 | 2.86% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 9 | $1,165,000 | $129,444 | $1,538 | 2.89% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $6,123 | 3.00% |
| EL PASO, TX (FHA|USDA|VA) | 9 | $1,095,000 | $121,667 | $1,903 | 2.90% |
| ROANOKE, VA (FHA|USDA|VA) | 8 | $1,090,000 | $136,250 | $1,756 | 3.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 8 | $1,090,000 | $136,250 | $2,442 | 3.09% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $4,265 | 2.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 7 | $1,075,000 | $153,571 | $2,646 | 3.09% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 8 | $1,060,000 | $132,500 | $2,049 | 2.65% |
| TULSA, OK (FHA|USDA|VA) | 7 | $1,025,000 | $146,429 | $2,251 | 2.77% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $5,673 | 2.63% |
| WACO, TX (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $2,751 | 2.96% |
| VISALIA, CA (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $2,698 | 2.68% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $2,969 | 3.02% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 7 | $935,000 | $133,571 | $2,216 | 3.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 6 | $930,000 | $155,000 | $2,296 | 2.83% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 6 | $930,000 | $155,000 | $2,371 | 3.04% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $3,103 | 2.70% |
| ODESSA, TX (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $3,072 | 2.87% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $2,976 | 2.79% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $3,040 | 2.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 6 | $850,000 | $141,667 | $2,161 | 2.87% |
| TOLEDO, OH (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $2,640 | 2.87% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $2,688 | 2.58% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $3,628 | 2.75% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 7 | $835,000 | $119,286 | $1,877 | 3.10% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $1,999 | 2.79% |
| OCALA, FL (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $2,420 | 2.87% |
| AMARILLO, TX (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $2,283 | 3.27% |
| NILES, MI (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $2,293 | 2.72% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $2,129 | 3.05% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $2,471 | 2.70% |
| LONGVIEW, WA (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $4,819 | 2.58% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 6 | $770,000 | $128,333 | $1,880 | 3.10% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 6 | $730,000 | $121,667 | $2,036 | 2.94% |
| BATON ROUGE, LA (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,143 | 2.88% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $3,250 | 2.50% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,445 | 2.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $1,477 | 3.00% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,511 | 2.58% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $2,374 | 2.70% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $2,699 | 2.78% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $1,724 | 2.78% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $3,552 | 2.81% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,668 | 3.06% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $3,165 | 2.78% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,149 | 3.08% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $3,496 | 2.58% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $10,243 | 2.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,502 | 2.71% |
| AKRON, OH (FHA|USDA|VA) | 5 | $595,000 | $119,000 | $2,666 | 2.65% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $10,055 | 2.25% |
| GRANTS PASS, OR (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $2,451 | 2.71% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $1,648 | 2.42% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $9,757 | 2.49% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $1,524 | 2.84% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,714 | 2.88% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,765 | 3.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $269 | 2.87% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $1,375 | 2.78% |
| Warsaw, IN (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $1,480 | 2.87% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,076 | 2.83% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $931 | 2.49% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $2,197 | 3.00% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $8,766 | 2.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $2,208 | 3.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,482 | 2.96% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,903 | 2.87% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,074 | 2.62% |
| Red Wing, MN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,130 | 2.75% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $2,058 | 2.97% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,697 | 3.08% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,006 | 2.38% |
| Craig, CO (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,025 | 2.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $2,023 | 3.06% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $3,591 | 3.04% |
| TOPEKA, KS (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,315 | 3.04% |
| WALLA WALLA, WA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,937 | 3.19% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $1,959 | 2.87% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,005 | 2.56% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,743 | 2.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,522 | 3.08% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,476 | 2.74% |
| Key West, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,190 | 1.75% |
| Opelousas, LA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,104 | 2.87% |
| HATTIESBURG, MS (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,470 | 2.45% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,662 | 2.69% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,629 | 2.50% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,432 | 2.66% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,511 | 2.83% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,449 | 3.00% |
| FLINT, MI (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,510 | 2.50% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,102 | 2.79% |
| BEND, OR (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,660 | 2.37% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,589 | 2.81% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $1,618 | 2.75% |
| Del Rio, TX (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,327 | 3.00% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $1,237 | 2.67% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,376 | 2.79% |
| HARRISONBURG, VA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,283 | 3.12% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,494 | 2.81% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,721 | 2.62% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,955 | 3.99% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,113 | 2.63% |
| TYLER, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,836 | 2.81% |
| Concord, NH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,416 | 3.25% |
| READING, PA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $3,199 | 3.42% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,223 | 2.68% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,510 | 4.38% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,209 | 2.75% |
| Cadillac, MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,808 | 2.88% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,354 | 2.49% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,815 | 2.25% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,035 | 2.49% |
| SUMTER, SC (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $2,003 | 2.88% |
| Edwards, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,757 | 3.50% |
| Torrington, CT (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,618 | 2.75% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $581 | 2.50% |
| Kendallville, IN (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $1,441 | 3.08% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,861 | 2.81% |
| HAMMOND, LA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,819 | 2.50% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $2,148 | 3.04% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,812 | 2.68% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,781 | 2.50% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,749 | 2.50% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,802 | 2.62% |
| JACKSON, MS (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $1,623 | 2.62% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,096 | 2.50% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,649 | 2.68% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,630 | 2.75% |
| Shawano, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,185 | 2.49% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,389 | 2.75% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,121 | 2.94% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,572 | 2.62% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,190 | 2.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,566 | 2.62% |
| RACINE, WI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,451 | 2.75% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,900 | 3.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,383 | 3.00% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,456 | 3.06% |
| Urbana, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,473 | 2.62% |
| Prineville, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,811 | 2.99% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,308 | 2.50% |
| Seneca, SC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,269 | 2.87% |
| Holland, MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,293 | 2.75% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,299 | 2.94% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,378 | 2.74% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 2.25% |
| Adrian, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,594 | 2.75% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,592 | 3.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,525 | 2.99% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,221 | 3.06% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,239 | 2.87% |
| Centralia, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,427 | 2.99% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,585 | 3.00% |
| Mount Airy, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $1,598 | 3.06% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,271 | 2.25% |
| REDDING, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,160 | 2.75% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,163 | 2.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,220 | 2.25% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,213 | 2.75% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,348 | 3.75% |
| Athens, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,277 | 3.25% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $1,637 | 2.69% |
| Bedford, IN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $591 | 2.75% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,068 | 2.38% |
| Dyersburg, TN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,124 | 3.00% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,026 | 2.93% |
| MONROE, LA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,113 | 2.75% |
| Centralia, IL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $1,978 | 2.81% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,988 | 2.75% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,111 | 2.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,170 | 2.25% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,183 | 3.06% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $903 | 3.19% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,887 | 2.49% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,944 | 2.99% |
| Beeville, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,858 | 2.93% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,753 | 2.49% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.25% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,749 | 2.25% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 2.75% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,785 | 2.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,821 | 2.74% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,579 | 2.75% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,116 | 3.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,570 | 2.99% |
| Dumas, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,486 | 2.75% |
| Palatka, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,495 | 2.49% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,152 | 3.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,763 | 2.81% |
| Marietta, OH (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,760 | 2.56% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,406 | 2.75% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,325 | 3.25% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,259 | 2.49% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,383 | 2.49% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $984 | 2.25% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,297 | 3.25% |
| JONESBORO, AR (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,665 | 2.87% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,228 | 2.49% |
| Lexington, NE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,150 | 2.75% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,866 | 3.00% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,172 | 2.75% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,116 | 2.49% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,159 | 3.00% |
| Hillsdale, MI (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,558 | 3.13% |
| MADERA, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 2.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,997 | 3.13% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,953 | 2.25% |
| Brookings, SD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,091 | 3.75% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,768 | 3.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,058 | 2.75% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,005 | 2.88% |
| Indiana, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,830 | 2.49% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,807 | 2.49% |
| Barre, VT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,870 | 2.49% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,864 | 2.25% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,863 | 2.49% |
| Safford, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $962 | 3.13% |
| Danville, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,784 | 2.49% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,766 | 2.75% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,622 | 3.00% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,685 | 2.99% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,556 | 2.75% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,623 | 2.75% |
| Lake City, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,622 | 4.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,048 | 3.25% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,683 | 2.49% |
| Atmore, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,622 | 2.75% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,714 | 2.75% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,681 | 2.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,745 | 3.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,904 | 2.75% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,548 | 3.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,710 | 3.50% |
| Carroll, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,519 | 2.25% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,480 | 2.49% |
| DALTON, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,449 | 2.88% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,422 | 2.88% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,465 | 2.88% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,530 | 2.75% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,447 | 2.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,572 | 2.49% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 2.49% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 2.88% |
| CASPER, WY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,507 | 2.88% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,486 | 2.88% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,325 | 3.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,608 | 3.88% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 2.88% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,376 | 2.88% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,245 | 2.88% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,398 | 3.13% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,489 | 2.88% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,319 | 2.25% |
| Connersville, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,369 | 3.38% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,261 | 2.75% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,331 | 2.99% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,396 | 3.13% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,364 | 2.49% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,256 | 2.49% |
| Angola, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,167 | 2.88% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,822 | 3.25% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,169 | 2.75% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,165 | 2.88% |
| ERIE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.13% |
| Union City, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $635 | 2.75% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,267 | 2.88% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,820 | 2.75% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,219 | 3.13% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,187 | 2.49% |
| Blytheville, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,165 | 3.00% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,180 | 2.75% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,030 | 2.88% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,161 | 2.99% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,909 | 2.49% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,954 | 2.88% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,198 | 2.99% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,949 | 2.88% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,967 | 2.75% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,026 | 3.75% |
| Athens, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 2.49% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,064 | 2.75% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,336 | 2.88% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,975 | 2.75% |
| Woodward, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,973 | 2.88% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,768 | 2.88% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,858 | 2.88% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,864 | 2.75% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.75% |
| Granbury, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.49% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,099 | 3.13% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,866 | 2.88% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,742 | 2.99% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $512 | 2.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,852 | 2.88% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,855 | 2.88% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,868 | 2.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.25% |
| Austin, MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,810 | 3.25% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.75% |
| Ashland, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,827 | 2.99% |
| Waycross, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,804 | 2.49% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,885 | 3.13% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,848 | 2.75% |
| Troy, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,652 | 2.75% |
| Laconia, NH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,642 | 2.99% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,649 | 3.13% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,629 | 2.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,653 | 2.49% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,614 | 2.75% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,577 | 2.75% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,681 | 2.99% |
| Berlin, NH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,621 | 2.99% |
| New Castle, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,607 | 2.25% |
| Dublin, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,652 | 2.75% |
| AMES, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,679 | 2.99% |
| Sterling, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,514 | 2.88% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,539 | 2.99% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,547 | 2.88% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 2.75% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,731 | 2.99% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,450 | 1.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,472 | 2.49% |
| Hastings, NE (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,525 | 2.88% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,442 | 2.99% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,388 | 2.99% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,346 | 2.99% |
| Dixon, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,334 | 2.49% |
| Gallup, NM (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,354 | 2.25% |
Oceanside Mortgage Company's top markets include New York, Atlanta, Dallas, Houston, and Chicago among others.
Product Mix
| Loan Type | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| FHA | 1,561 | $284,795,000 | $182,444 | $3,226 | 2.77% |
| Conventional | 314 | $67,120,000 | $213,758 | $2,646 | 3.13% |
| VA | 157 | $33,265,000 | $211,879 | $1,018 | 2.55% |
| USDA | 59 | $8,885,000 | $150,593 | $1,515 | 3.05% |
For the 2021 period, Oceanside Mortgage Company's most frequently originated loan type of loans were FHA, with 1,561 originations. Their 2nd most popular type is Conventional, with 314 originations.
Loan Reason
| Loan Reason | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Refi | 1,936 | $358,570,000 | $185,212 | $2,899 | 2.77% |
| Cash Out Refi | 132 | $28,630,000 | $216,894 | $3,895 | 3.41% |
| Home Purchase | 23 | $6,865,000 | $298,478 | $4,969 | 3.18% |
For the 2021, Oceanside Mortgage Company's most frequently cited loan purpose of loans were Refi, with 1,936 originations. The 2nd most popular reason of loans were Cash Out Refi, with 132 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 30 Year | 1,714 | $331,620,000 | $193,477 | $3,082 | 2.84% |
| Other | 249 | $42,445,000 | $170,462 | $2,672 | 2.70% |
| 15 Year | 68 | $10,700,000 | $157,353 | $2,443 | 2.65% |
| 20 Year | 60 | $9,300,000 | $155,000 | $2,189 | 2.80% |
For the 2021, Oceanside Mortgage Company's most frequently cited loan length of loans were 30 Year, with 1,714 originations. The 2nd most popular length of loans were Other, with 249 originations.
Origination Fees
| Origination Fee | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 687 | $124,695,000 | $181,507 |
| $1k-2k | 30 | $5,690,000 | $189,667 |
| $2k-3k | 27 | $5,635,000 | $208,704 |
| $3k-4k | 20 | $5,640,000 | $282,000 |
| $5k+ | 12 | $4,160,000 | $346,667 |
$3,082 of loans were Oceanside Mortgage Company's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 687 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,114 | $196,800,000 | $176,661 |
| <2.5% | 565 | $120,435,000 | $213,159 |
| 3-4% | 396 | $74,060,000 | $187,020 |
| 4-5% | 16 | $2,770,000 | $173,125 |
During 2021, Oceanside Mortgage Company's average interest rate of loans were 2.84%, while their most frequently originated rate bucket of loans were 2.5-3%, with 1,114 originations.
Loan Sizing
| Loan Size | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $100k-200k | 1,207 | $178,055,000 | $147,519 | $2,410 | 2.84% |
| $200k-400k | 641 | $168,905,000 | $263,502 | $4,131 | 2.76% |
| $100,000 or less | 179 | $16,045,000 | $89,637 | $1,521 | 2.92% |
| $400k-600k | 58 | $27,000,000 | $465,517 | $6,430 | 2.65% |
| $600k-1MM | 6 | $4,060,000 | $676,667 | $9,324 | 2.65% |
2021 saw Oceanside Mortgage Company place emphasis on $100k-200k loans with 1,207 originations, totaling $178,055,000 in origination value.
Applicant Income
| Applicant Income | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| $50k or less | 474 | $77,950,000 | $164,451 | $2,695 | 2.86% |
| $50k-75k | 171 | $30,125,000 | $176,170 | $2,661 | 3.12% |
| $75k-100k | 99 | $20,815,000 | $210,253 | $3,135 | 3.13% |
| $100k-150k | 83 | $21,235,000 | $255,843 | $3,655 | 3.09% |
| $150k-250k | 36 | $11,640,000 | $323,333 | $2,999 | 2.91% |
| $250k+ | 3 | $1,405,000 | $468,333 | $3,742 | 3.08% |
Oceanside Mortgage Company lent most frequently to those with incomes in the $50k or less range, with 474 originations. The second most popular income band? $50k-75k, with 171 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| <20% | 1,673 | $306,825,000 | $183,398 | $2,970 | 2.74% |
| 20-30% | 103 | $19,915,000 | $193,350 | $2,517 | 2.99% |
| 30-36% | 76 | $16,960,000 | $223,158 | $2,753 | 3.06% |
| 44% | 25 | $6,025,000 | $241,000 | $3,909 | 3.26% |
| 37% | 24 | $4,920,000 | $205,000 | $3,512 | 3.09% |
| 40% | 24 | $4,850,000 | $202,083 | $3,340 | 3.30% |
| 39% | 19 | $3,325,000 | $175,000 | $2,927 | 3.39% |
| 36% | 18 | $3,750,000 | $208,333 | $3,245 | 3.13% |
| 43% | 16 | $3,240,000 | $202,500 | $2,124 | 3.23% |
| 50-60% | 15 | $3,425,000 | $228,333 | $5,645 | 3.14% |
| 45% | 15 | $3,075,000 | $205,000 | $2,984 | 3.10% |
| 38% | 14 | $3,540,000 | $252,857 | $4,440 | 3.20% |
| 49% | 13 | $2,825,000 | $217,308 | $2,689 | 2.94% |
| 46% | 13 | $2,725,000 | $209,615 | $3,066 | 2.82% |
| 41% | 13 | $2,635,000 | $202,692 | $2,978 | 3.35% |
| 42% | 12 | $2,500,000 | $208,333 | $2,770 | 3.31% |
| 47% | 10 | $2,180,000 | $218,000 | $3,440 | 3.16% |
| 48% | 4 | $560,000 | $140,000 | $2,751 | 3.25% |
| >60% | 4 | $790,000 | $197,500 | $3,391 | 2.94% |
Oceanside Mortgage Company lent most frequently to those with DTI ratios of <20%, with 1,673 originations. The next most common DTI ratio? 20-30%, with 103 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Not provided | 2,034 | $382,280,000 | $187,945 | $3,001 | 2.82% |
| White | 50 | $10,260,000 | $205,200 | $2,471 | 2.76% |
| Black | 5 | $1,015,000 | $203,000 | $3,261 | 3.25% |
| Asian Indian | 2 | $510,000 | $255,000 | $1,540 | 2.75% |
Approval Rates
Total approvals of all applications98.12%
Oceanside Mortgage Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination83.84%
Oceanside Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,091 | $394,065,000 | $188,458 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2,091 | $394,065,000 | $188,458 |
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| 20-40% | 7 | $1,095,000 | $156,429 | $1,430 | 2.93% |
| 40-60% | 124 | $21,700,000 | $175,000 | $2,212 | 2.94% |
| 60-80% | 354 | $69,730,000 | $196,977 | $2,732 | 3.02% |
| 80-100% | 1,597 | $299,225,000 | $187,367 | $3,108 | 2.76% |
| Over 100% | 9 | $2,315,000 | $257,222 | $3,373 | 2.71% |
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| OCEANSIDE MORTGAGE COMPANY | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 10.0% |
| OCEANSIDE MORTGAGE COMPANY | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 10.0% |
| OCEANSIDE MORTGAGE COMPANY | FHA mortgage | Struggling to pay mortgage | 1 | 10.0% |
| OCEANSIDE MORTGAGE COMPANY | FHA mortgage | Trouble during payment process | 7 | 70.0% |
