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 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, Houston, Dallas, and San Antonio among others. We have data for 230 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 | 6.27% | 4/21/24 |
| 30 Year Conventional Refi | 6.27% | 4/21/24 |
| 30 Year Cash-out Refi | 6.27% | 4/21/24 |
| 30 Year FHA Purchase | 6.27% | 4/21/24 |
| 30 Year FHA Refi | 6.27% | 4/21/24 |
| 30 Year VA Purchase | 6.27% | 4/21/24 |
| 30 Year VA Refi | 6.27% | 4/21/24 |
| 30 Year USDA Refi | 6.27% | 4/21/24 |
| 15 Year Conventional Refi | 5.68% | 4/21/24 |
| 15 Year Cash-out Refi | 5.68% | 4/21/24 |
| 15 Year FHA Refi | 5.68% | 4/21/24 |
| 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
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
692Origination Dollar Volume (All Markets)
$113,960,000Awards
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OCEANSIDE MORTGAGE COMPANY - 2018
OCEANSIDE MORTGAGE COMPANY is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 29 | $6,375,000 | $219,828 | $4,075 | 4.53% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 33 | $6,175,000 | $187,121 | $3,525 | 4.45% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 28 | $4,680,000 | $167,143 | $2,816 | 4.43% |
| Outside of Metro Areas | 30 | $4,580,000 | $152,667 | $2,727 | 4.43% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 26 | $4,320,000 | $166,154 | $2,713 | 4.53% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 15 | $2,625,000 | $175,000 | $2,641 | 4.42% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 8 | $2,400,000 | $300,000 | $3,155 | 4.20% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 17 | $2,325,000 | $136,765 | $2,843 | 4.54% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 16 | $2,230,000 | $139,375 | $2,857 | 4.64% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 11 | $2,065,000 | $187,727 | $3,587 | 4.26% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 11 | $1,945,000 | $176,818 | $3,414 | 4.22% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $1,925,000 | $213,889 | $2,953 | 4.53% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $1,730,000 | $288,333 | $5,897 | 4.23% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 5 | $1,705,000 | $341,000 | $5,211 | 4.12% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 7 | $1,635,000 | $233,571 | $3,439 | 4.23% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 11 | $1,565,000 | $142,273 | $2,194 | 4.35% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 11 | $1,445,000 | $131,364 | $2,164 | 4.63% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $1,440,000 | $240,000 | $4,135 | 3.98% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 7 | $1,435,000 | $205,000 | $3,078 | 4.18% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 11 | $1,395,000 | $126,818 | $2,407 | 4.32% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 5 | $1,375,000 | $275,000 | $4,750 | 4.18% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 9 | $1,275,000 | $141,667 | $2,366 | 4.35% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $5,583 | 4.13% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 8 | $1,220,000 | $152,500 | $2,691 | 4.63% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,200,000 | $300,000 | $4,848 | 4.16% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 5 | $1,185,000 | $237,000 | $4,052 | 4.07% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 6 | $1,160,000 | $193,333 | $4,279 | 4.48% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 8 | $1,070,000 | $133,750 | $2,798 | 4.69% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $2,361 | 4.52% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $1,015,000 | $145,000 | $2,670 | 4.56% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 5 | $985,000 | $197,000 | $4,326 | 4.55% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $2,456 | 4.15% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $2,898 | 4.52% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $815,000 | $163,000 | $2,810 | 4.35% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 7 | $815,000 | $116,429 | $1,597 | 4.70% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $2,377 | 3.93% |
| COLUMBUS, OH (FHA|USDA|VA) | 6 | $780,000 | $130,000 | $2,126 | 4.75% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $2,432 | 4.21% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,332 | 4.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $2,204 | 4.28% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 5 | $635,000 | $127,000 | $2,374 | 4.77% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 4 | $620,000 | $155,000 | $1,814 | 4.22% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $3,190 | 4.28% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $0 | 4.25% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $1,838 | 4.25% |
| COLUMBIA, SC (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $2,435 | 4.22% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $3,218 | 4.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $11,790 | 4.25% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 5 | $535,000 | $107,000 | $1,339 | 4.40% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $2,166 | 3.91% |
| PUEBLO, CO (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $2,192 | 4.47% |
| AKRON, OH (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $1,743 | 4.59% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $2,058 | 4.53% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,688 | 4.46% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $1,603 | 5.31% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,872 | 4.75% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $10,107 | 4.25% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,617 | 3.75% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $3,531 | 4.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,487 | 4.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,245 | 4.08% |
| Torrington, CT (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $3,245 | 4.12% |
| ODESSA, TX (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,334 | 4.46% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,232 | 4.62% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $2,397 | 4.50% |
| OCALA, FL (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $2,103 | 4.37% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,868 | 4.55% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $2,039 | 4.31% |
| RICHMOND, VA (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $3,457 | 4.92% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $2,063 | 4.50% |
| SALEM, OR (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $7,197 | 3.75% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,398 | 4.75% |
| VISALIA, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,500 | 4.75% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,986 | 4.25% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,692 | 4.00% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,218 | 4.99% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $4,765 | 4.13% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $1,700 | 4.33% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $5,211 | 5.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $7,495 | 5.25% |
| Columbus, MS (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,129 | 4.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,422 | 4.31% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,277 | 4.38% |
| TULSA, OK (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,558 | 4.25% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,301 | 4.38% |
| MONROE, LA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,209 | 4.25% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,413 | 4.49% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,028 | 4.88% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,387 | 5.00% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $1,832 | 4.00% |
| DOVER, DE (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $1,296 | 4.38% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $1,638 | 4.38% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,200 | 4.13% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $1,709 | 4.31% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $1,174 | 4.25% |
| ALTOONA, PA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,959 | 4.19% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,947 | 4.38% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,890 | 4.50% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,838 | 4.56% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,714 | 5.00% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,808 | 4.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,535 | 4.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,622 | 4.63% |
| Marietta, OH (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $2,656 | 4.63% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,116 | 4.25% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,036 | 4.25% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,524 | 5.25% |
| KNOXVILLE, TN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,711 | 4.44% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,056 | 4.19% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,060 | 4.19% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,562 | 4.62% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,777 | 4.12% |
| Oxford, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,300 | 4.50% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,322 | 4.25% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,124 | 4.50% |
| Angola, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,881 | 5.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,852 | 4.63% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $949 | 4.25% |
| Bedford, IN (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $2,548 | 4.31% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,646 | 4.85% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,218 | 4.50% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,634 | 4.50% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,263 | 4.38% |
| Keene, NH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,283 | 4.50% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,227 | 3.99% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,200 | 4.99% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,167 | 3.75% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,484 | 4.75% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,042 | 4.13% |
| Paragould, AR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,017 | 3.75% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,955 | 4.99% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,979 | 4.25% |
| Glenwood Springs, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,039 | 4.38% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,010 | 4.25% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $0 | 4.31% |
| Lawrenceburg, TN (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $1,452 | 4.19% |
| Wauchula, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,875 | 4.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,878 | 4.50% |
| Clovis, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,850 | 4.50% |
| TOLEDO, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,855 | 3.75% |
| Barre, VT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,852 | 4.75% |
| Huntingdon, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,860 | 4.75% |
| Indiana, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,933 | 3.99% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,789 | 4.63% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,203 | 4.25% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,654 | 4.50% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,439 | 5.25% |
| WALLA WALLA, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,602 | 4.88% |
| Concord, NH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,635 | 3.75% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,638 | 4.25% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.99% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,541 | 4.75% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,262 | 4.75% |
| FLINT, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,532 | 4.25% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,499 | 4.38% |
| TYLER, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,421 | 4.75% |
| READING, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,548 | 4.50% |
| WACO, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,539 | 4.25% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,527 | 4.88% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 4.25% |
| New Philadelphia-Dover, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,381 | 5.00% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,357 | 3.75% |
| Pampa, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,409 | 4.25% |
| Blackfoot, ID (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,267 | 3.99% |
| Shelby, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,328 | 4.25% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,286 | 4.50% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,252 | 4.50% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,106 | 4.25% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,198 | 4.25% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,988 | 5.25% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,237 | 4.75% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,145 | 4.75% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 4.25% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,095 | 4.75% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,222 | 4.75% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,162 | 4.38% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,203 | 4.50% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,998 | 4.75% |
| Beaver Dam, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,043 | 4.25% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $589 | 4.25% |
| LAFAYETTE, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,986 | 3.75% |
| Warren, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,955 | 4.25% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,044 | 4.75% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 4.50% |
| Waycross, GA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,014 | 4.25% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,041 | 3.75% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,783 | 4.63% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,868 | 4.38% |
| MERCED, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,060 | 4.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,776 | 4.38% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,860 | 4.75% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,859 | 5.63% |
| ENID, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,800 | 3.75% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,851 | 4.25% |
| Decatur, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,207 | 4.88% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,886 | 3.75% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,850 | 4.38% |
| HATTIESBURG, MS (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,947 | 4.50% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,625 | 5.50% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,844 | 4.50% |
| ABILENE, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,874 | 4.25% |
| AMES, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,718 | 4.25% |
| Beeville, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,582 | 4.50% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,587 | 4.99% |
| Plainview, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,609 | 4.99% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,632 | 4.50% |
| ROCKFORD, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,716 | 4.50% |
| Hillsdale, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,618 | 4.50% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,817 | 4.75% |
| Alamogordo, NM (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.75% |
| Seymour, IN (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,670 | 3.75% |
| Athens, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,689 | 4.38% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,652 | 3.99% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,497 | 4.25% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,671 | 4.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,558 | 3.99% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,647 | 4.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,602 | 4.63% |
| Marion, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,712 | 3.99% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,690 | 4.38% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.99% |
| Austin, MN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,551 | 4.75% |
| Palatka, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,389 | 3.75% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,471 | 4.75% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,530 | 4.25% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,506 | 4.88% |
| Holland, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,396 | 4.50% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,466 | 4.56% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,450 | 3.75% |
| Auburn, IN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 4.13% |
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Product Mix
For 2018, Oceanside Mortgage Company's most frequently originated type of loan was FHA, with 534 originations. Their 2nd most popular type was VA, with 85 originations.
Loan Reason
For 2018, Oceanside Mortgage Company's most frequently cited loan purpose was Refi, with 546 originations. The 2nd most popular reason was Cash Out Refi, with 108 originations.
Loan Duration/Length
For 2018, Oceanside Mortgage Company's most frequently cited loan duration was 30 Year, with 631 originations. The 2nd most popular length was Other, with 35 originations.
Origination Fees/Closing Costs
Oceanside Mortgage Company's average total fees were $2,936, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 98 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 4-5% | 510 | $82,920,000 | $162,588 |
| 3-4% | 141 | $24,195,000 | $171,596 |
| 5-6% | 40 | $6,780,000 | $169,500 |
During 2018, Oceanside Mortgage Company's average interest rate for loans was 4.43%, while their most frequently originated rate bucket for loans was 4-5%, with 510 originations.
Loan Sizing
2018 saw Oceanside Mortgage Company place emphasis on $100k-200k loans with 431 originations, totaling $61,065,000 in origination value.
Applicant Income
Oceanside Mortgage Company lent most frequently to those with incomes in the $50k or less range, with 64 originations. The second most popular income band? $50k-75k, with 54 originations.
Applicant Debt to Income Ratio
Oceanside Mortgage Company lent most frequently to those with DTI ratios of <20%, with 512 originations. The next most common DTI ratio? 30-36%, with 33 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications94.30%
Oceanside Mortgage Company has an average approval rate.
Pick Rate
Approvals leading to origination61.27%
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 | 692 | $113,960,000 | $164,682 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 71 | $8,425,000 | $118,662 |
| Single Family (1-4 Units):Site-Built | 621 | $105,535,000 | $169,944 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| OCEANSIDE MORTGAGE COMPANY | Conventional home mortgage | Struggling to pay mortgage | 1 | 20.0% |
| OCEANSIDE MORTGAGE COMPANY | Conventional home mortgage | Trouble during payment process | 1 | 20.0% |
| OCEANSIDE MORTGAGE COMPANY | FHA mortgage | Closing on a mortgage | 1 | 20.0% |
| OCEANSIDE MORTGAGE COMPANY | FHA mortgage | Trouble during payment process | 2 | 40.0% |