Oceanside Mortgage Company Rates, Fees & Info
Toms River, NJLEI: 5493004R423PBPM6A173
Tax ID: 22-3470404
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Mortgage Data
Review & Overview
Oceanside Mortgage Company is a smaller mortgage company specializing in Refi and Home Purchase loans. They have a a high proportion of FHA loans. Oceanside Mortgage Company has an average proportion of conventional loans. Their top markets by origination volume include: New York, Philadelphia, San Antonio, Jacksonville, and Chicago among others. We have data for 148 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 a low 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.72% | 4/5/25 |
| 30 Year Conventional Refi | 6.72% | 4/5/25 |
| 30 Year Cash-out Refi | 6.72% | 4/5/25 |
| 30 Year FHA Purchase | 6.72% | 4/5/25 |
| 30 Year FHA Refi | 6.72% | 4/5/25 |
| 30 Year VA Purchase | 6.72% | 4/5/25 |
| 30 Year VA Refi | 6.72% | 4/5/25 |
| 30 Year USDA Purchase | 6.72% | 4/5/25 |
| 15 Year Conventional Refi | 6.00% | 4/5/25 |
| 15 Year Cash-out Refi | 6.00% | 4/5/25 |
| 15 Year FHA Refi | 6.00% | 4/5/25 |
| 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. | ||
Oceanside Mortgage Company Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Oceanside Mortgage Company. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
312Origination Dollar Volume (All Markets)
$82,990,000Awards
OCEANSIDE MORTGAGE COMPANY - 2024
OCEANSIDE MORTGAGE COMPANY is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Oceanside Mortgage Company's average 30 year fixed mortgage rate was
6.2%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.35%.
Relative Fees (Closing Costs)
Oceanside Mortgage Company's average total fees/closing costs for a 30 year fixed rate
mortgage were $5,168.
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 $8,356.
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) | 18 | $6,540,000 | $363,333 | $5,989 | 6.34% |
| Outside of Metro Areas | 19 | $5,175,000 | $272,368 | $5,521 | 6.03% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 14 | $3,580,000 | $255,714 | $6,423 | 6.39% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $2,935,000 | $419,286 | $8,891 | 6.03% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 8 | $2,720,000 | $340,000 | $9,555 | 6.00% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 10 | $2,610,000 | $261,000 | $4,227 | 6.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 5 | $2,215,000 | $443,000 | $6,637 | 6.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 4 | $2,010,000 | $502,500 | $10,152 | 6.00% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $1,955,000 | $279,286 | $5,235 | 6.27% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,730,000 | $432,500 | $7,934 | 6.16% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $6,214 | 6.50% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $1,520,000 | $380,000 | $8,597 | 6.19% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 6 | $1,390,000 | $231,667 | $4,222 | 6.37% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 5 | $1,355,000 | $271,000 | $5,489 | 6.20% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $1,310,000 | $327,500 | $4,444 | 6.06% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 6 | $1,300,000 | $216,667 | $3,522 | 6.17% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 2 | $1,270,000 | $635,000 | $11,977 | 5.87% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $5,889 | 5.69% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $3,397 | 6.27% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $5,780 | 6.37% |
| LOUISVILLE, KY (FHA|USDA|VA) | 4 | $900,000 | $225,000 | $4,867 | 6.13% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $3,617 | 6.81% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 5 | $865,000 | $173,000 | $3,316 | 6.35% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $5,072 | 6.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,054 | 6.04% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $4,123 | 6.21% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $3,052 | 6.50% |
| AKRON, OH (FHA|USDA|VA) | 4 | $680,000 | $170,000 | $4,555 | 5.94% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $6,717 | 6.06% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,478 | 6.81% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,596 | 6.87% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,240 | 6.17% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $4,805 | 6.00% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $3,768 | 6.99% |
| TOLEDO, OH (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $2,991 | 6.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,465 | 5.75% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $8,732 | 5.75% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $4,029 | 6.13% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $8,117 | 5.75% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $5,497 | 6.13% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $7,819 | 6.75% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,342 | 6.12% |
| OCALA, FL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,411 | 6.44% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $7,138 | 5.75% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $7,050 | 6.25% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $6,602 | 6.31% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $4,075 | 5.75% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,368 | 6.13% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $6,422 | 5.88% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,251 | 6.38% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $9,182 | 5.99% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $10,903 | 5.63% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $6,089 | 6.00% |
| DECATUR, IL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,763 | 5.88% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,875 | 6.25% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $5,950 | 6.13% |
| MOBILE, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,750 | 5.75% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,926 | 5.69% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,708 | 6.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $4,008 | 6.88% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 6.13% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,702 | 6.13% |
| Lumberton, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,904 | 6.62% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,896 | 6.25% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,593 | 6.25% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $9,603 | 5.75% |
| COLUMBUS, OH (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,703 | 6.31% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,440 | 6.50% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,338 | 5.75% |
| Manitowoc, WI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $1,555 | 6.69% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $7,501 | 6.00% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,300 | 6.49% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,075 | 5.99% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,839 | 6.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,917 | 6.75% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,939 | 6.50% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $10,828 | 5.50% |
| Pampa, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,727 | 6.49% |
| Susanville, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,644 | 6.49% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,680 | 5.75% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,342 | 5.88% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $6,138 | 5.75% |
| Washington, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $7,047 | 5.99% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,330 | 5.63% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,246 | 6.00% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,047 | 6.49% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,068 | 6.13% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,202 | 6.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,295 | 6.63% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,141 | 6.63% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,749 | 5.63% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,277 | 6.63% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,328 | 5.63% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,848 | 5.75% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,833 | 6.50% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,935 | 5.75% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,951 | 6.25% |
| Payson, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,619 | 5.63% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,688 | 5.63% |
| DOVER, DE (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,650 | 6.13% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,566 | 5.63% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,286 | 5.99% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,046 | 6.88% |
| Altus, OK (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,570 | 6.25% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,569 | 6.75% |
| Washington Court House, OH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,310 | 5.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,369 | 5.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,103 | 5.75% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,264 | 5.63% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,248 | 6.49% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,143 | 6.75% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,933 | 6.50% |
| MONROE, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,239 | 6.25% |
| Thomasville, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,127 | 7.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,003 | 5.63% |
| Bluffton, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,070 | 6.25% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,820 | 5.75% |
| Fremont, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,889 | 6.25% |
| Danville, VA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,873 | 6.25% |
| Richmond-Berea, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,792 | 6.13% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,812 | 5.88% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,751 | 5.75% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,974 | 6.63% |
| Sterling, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,631 | 6.50% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,390 | 5.75% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,687 | 6.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 6.75% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,412 | 6.38% |
| McAlester, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,634 | 6.25% |
| Ashland, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,171 | 6.38% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,468 | 5.75% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,928 | 5.99% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,516 | 6.25% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,097 | 6.38% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,249 | 6.25% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,455 | 6.38% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,209 | 6.25% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,105 | 6.75% |
| Murray, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,132 | 6.00% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,460 | 7.13% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,013 | 6.63% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,938 | 6.63% |
| Bogalusa, LA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,760 | 6.25% |
| Bainbridge, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,923 | 6.25% |
| Borger, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,766 | 6.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,056 | 5.88% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,586 | 6.25% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,410 | 6.49% |
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We use machine learning to identify the top lenders compared against OCEANSIDE MORTGAGE COMPANY based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| FHA | 236 | $60,160,000 | $254,915 | $5,301 | 6.13% |
| Conventional | 48 | $12,050,000 | $251,042 | $3,162 | 6.64% |
| VA | 28 | $10,780,000 | $385,000 | $7,006 | 5.98% |
For 2024, Oceanside Mortgage Company's most frequently originated type of loan was FHA, with 236 originations. Their 2nd most popular type was Conventional, with 48 originations.
Loan Reason
For 2024, Oceanside Mortgage Company's most frequently cited loan purpose was Refi, with 182 originations. The 2nd most popular reason was Home Purchase, with 97 originations.
Loan Duration/Length
For 2024, Oceanside Mortgage Company's most frequently cited loan duration was 30 Year, with 295 originations. The 2nd most popular length was Other, with 12 originations.
Origination Fees/Closing Costs
Oceanside Mortgage Company's average total fees were $5,168, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 298 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 177 | $42,765,000 | $241,610 |
| 5-6% | 125 | $37,655,000 | $301,240 |
| 7-8% | 10 | $2,570,000 | $257,000 |
During 2024, Oceanside Mortgage Company's average interest rate for loans was 6.20%, while their most frequently originated rate bucket for loans was 6-7%, with 177 originations.
Loan Sizing
2024 saw Oceanside Mortgage Company place emphasis on $200k-400k loans with 142 originations, totaling $40,390,000 in origination value.
Applicant Income
Oceanside Mortgage Company lent most frequently to those with incomes in the $75k-100k range, with 36 originations. The second most popular income band? $100k-150k, with 34 originations.
Applicant Debt to Income Ratio
Oceanside Mortgage Company lent most frequently to those with DTI ratios of <20%, with 174 originations. The next most common DTI ratio? 30-36%, with 30 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.06%
Oceanside Mortgage Company has an average approval rate.
Pick Rate
Approvals leading to origination52.88%
Oceanside Mortgage Company has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 312 | $82,990,000 | $265,994 |