Oceanside Mortgage Company Rates, Fees & Info

Toms River, NJ

LEI: 5493004R423PBPM6A173

Tax ID: 22-3470404

5 stars - out of 5 stars, based on 46 reviews

2021 Data | 2020 Data | 2019 Data | 2018 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

2,091

Origination Dollar Volume (All Markets)

$394,065,000
Show all (54) awards

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 applications
98.12%

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 origination
83.84%

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%