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

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Originations
  • Relative Rates
  • Relative Fees
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Oceanside Mortgage Company is a smaller mortgage company specializing in 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 by origination volume include: New York, Atlanta, Dallas, Houston, and Chicago among others. We have data for 396 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Oceanside Mortgage Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Oceanside Mortgage Company is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.27% 1/29/23
    30 Year Conventional Refi 6.75% 1/29/23
    30 Year Cash-out Refi 6.27% 1/29/23
    30 Year FHA Purchase 6.27% 1/29/23
    30 Year FHA Refi 7.06% 1/29/23
    30 Year VA Purchase 6.27% 1/29/23
    30 Year VA Refi 6.27% 1/29/23
    30 Year USDA Refi 6.27% 1/29/23
    15 Year Conventional Purchase 5.68% 1/29/23
    15 Year Conventional Refi 5.68% 1/29/23
    15 Year Cash-out Refi 5.68% 1/29/23
    15 Year FHA Refi 5.68% 1/29/23
    15 Year VA Refi 5.68% 1/29/23
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    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 mortgage rate was 2.84%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.31%.

    Relative Fees (Closing Costs)

    Oceanside Mortgage Company's average total fees/closing costs for a 30 year fixed rate mortgage were $3,082.

    The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    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.

    Their top states include:
  • Texas (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New Jersey (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)

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    Municipal Employees Credit Union of Oklahoma City
    Similarity Rank: 208

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Oceanside Mortgage Company's most frequently originated type of loan was FHA, with 1,561 originations. Their 2nd most popular type was Conventional, with 314 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. 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 2021, Oceanside Mortgage Company's most frequently cited loan purpose was Refi, with 1,936 originations. The 2nd most popular reason was 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 2021, Oceanside Mortgage Company's most frequently cited loan duration was 30 Year, with 1,714 originations. The 2nd most popular length was Other, with 249 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost 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 13 $3,305,000 $254,231
    $5k+ 12 $4,160,000 $346,667
    $4k-5k 7 $2,335,000 $333,571

    Oceanside Mortgage Company's average total fees were $3,082, while their most frequently occuring range of origination fees (closing costs) 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 for loans was 2.84%, while their most frequently originated rate bucket for loans was 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
    77.86%

    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%