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 a low ratio of conventional loans.They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Dallas, Atlanta, Houston, and Philadelphia among others. We have data for 461 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.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.27% | 12/17/24 |
| 30 Year Conventional Refi | 6.27% | 12/17/24 |
| 30 Year Cash-out Refi | 6.27% | 12/17/24 |
| 30 Year FHA Purchase | 6.27% | 12/17/24 |
| 30 Year FHA Refi | 6.27% | 12/17/24 |
| 30 Year VA Purchase | 6.27% | 12/17/24 |
| 30 Year VA Refi | 6.27% | 12/17/24 |
| 30 Year USDA Refi | 6.27% | 12/17/24 |
| 15 Year Conventional Refi | 5.68% | 12/17/24 |
| 15 Year Cash-out Refi | 5.68% | 12/17/24 |
| 15 Year FHA Refi | 5.68% | 12/17/24 |
| 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
2,887Origination Dollar Volume (All Markets)
$525,975,000Awards
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OCEANSIDE MORTGAGE COMPANY - 2019
OCEANSIDE MORTGAGE COMPANY is a 2019 , due to their low .
For 2019, 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) | 100 | $26,630,000 | $266,300 | $4,208 | 3.82% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 119 | $25,185,000 | $211,639 | $3,543 | 3.91% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 135 | $23,745,000 | $175,889 | $2,877 | 3.93% |
| Outside of Metro Areas | 142 | $21,140,000 | $148,873 | $2,486 | 4.04% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 85 | $17,065,000 | $200,765 | $3,394 | 3.94% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 61 | $11,065,000 | $181,393 | $3,123 | 3.92% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 60 | $10,000,000 | $166,667 | $2,802 | 3.90% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 33 | $9,905,000 | $300,152 | $4,517 | 3.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 39 | $9,275,000 | $237,821 | $4,107 | 3.82% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 53 | $9,155,000 | $172,736 | $2,920 | 3.96% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 42 | $9,090,000 | $216,429 | $3,437 | 3.95% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 55 | $8,515,000 | $154,818 | $2,596 | 3.92% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 39 | $8,075,000 | $207,051 | $3,810 | 3.95% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 23 | $7,265,000 | $315,870 | $4,810 | 3.89% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 36 | $7,150,000 | $198,611 | $3,121 | 3.89% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 30 | $7,000,000 | $233,333 | $4,006 | 4.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 39 | $5,865,000 | $150,385 | $2,545 | 4.01% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 19 | $5,785,000 | $304,474 | $5,544 | 4.13% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 32 | $5,610,000 | $175,313 | $2,877 | 3.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 20 | $5,530,000 | $276,500 | $4,532 | 3.81% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 29 | $5,415,000 | $186,724 | $2,937 | 3.82% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 29 | $5,085,000 | $175,345 | $3,101 | 3.91% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 20 | $4,950,000 | $247,500 | $3,950 | 3.88% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 18 | $4,740,000 | $263,333 | $4,194 | 3.85% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 26 | $4,600,000 | $176,923 | $3,041 | 3.92% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 19 | $4,385,000 | $230,789 | $3,252 | 3.86% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 21 | $4,185,000 | $199,286 | $3,028 | 3.91% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 24 | $4,040,000 | $168,333 | $2,881 | 4.01% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 24 | $3,870,000 | $161,250 | $2,765 | 3.86% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 15 | $3,865,000 | $257,667 | $4,469 | 3.81% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 12 | $3,710,000 | $309,167 | $5,205 | 3.84% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 26 | $3,670,000 | $141,154 | $2,460 | 3.86% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 15 | $3,275,000 | $218,333 | $3,746 | 3.91% |
| COLUMBUS, OH (FHA|USDA|VA) | 21 | $3,165,000 | $150,714 | $2,760 | 4.08% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 13 | $2,965,000 | $228,077 | $3,760 | 3.81% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 22 | $2,830,000 | $128,636 | $2,062 | 3.99% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 14 | $2,820,000 | $201,429 | $3,679 | 3.79% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 9 | $2,785,000 | $309,444 | $5,081 | 3.94% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 9 | $2,775,000 | $308,333 | $4,726 | 3.78% |
| LOUISVILLE, KY (FHA|USDA|VA) | 18 | $2,760,000 | $153,333 | $2,242 | 3.87% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 14 | $2,640,000 | $188,571 | $3,187 | 3.83% |
| BOISE CITY, ID (FHA|USDA|VA) | 11 | $2,495,000 | $226,818 | $3,614 | 3.83% |
| COLUMBIA, SC (FHA|USDA|VA) | 17 | $2,485,000 | $146,176 | $2,428 | 4.16% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 14 | $2,460,000 | $175,714 | $3,241 | 4.06% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 12 | $2,440,000 | $203,333 | $3,518 | 3.75% |
| PITTSBURGH, PA (FHA|USDA|VA) | 15 | $2,345,000 | $156,333 | $2,417 | 3.90% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 14 | $2,290,000 | $163,571 | $2,959 | 3.93% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 13 | $2,285,000 | $175,769 | $2,729 | 3.93% |
| OCALA, FL (FHA|USDA|VA) | 14 | $2,230,000 | $159,286 | $2,351 | 3.91% |
| DOVER, DE (FHA|USDA|VA) | 10 | $2,200,000 | $220,000 | $3,607 | 3.80% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 12 | $2,110,000 | $175,833 | $2,669 | 4.10% |
| TULSA, OK (FHA|USDA|VA) | 14 | $2,100,000 | $150,000 | $2,245 | 3.81% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 12 | $2,070,000 | $172,500 | $2,884 | 4.03% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 4 | $2,040,000 | $510,000 | $9,087 | 3.72% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 14 | $2,000,000 | $142,857 | $2,308 | 3.74% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 12 | $1,960,000 | $163,333 | $2,504 | 4.09% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 12 | $1,960,000 | $163,333 | $2,703 | 3.74% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 11 | $1,875,000 | $170,455 | $2,907 | 3.82% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 7 | $1,835,000 | $262,143 | $4,574 | 4.04% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 12 | $1,810,000 | $150,833 | $2,600 | 3.95% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 11 | $1,765,000 | $160,455 | $2,776 | 3.91% |
| ODESSA, TX (FHA|USDA|VA) | 10 | $1,760,000 | $176,000 | $3,055 | 4.03% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 11 | $1,745,000 | $158,636 | $2,419 | 3.93% |
| RICHMOND, VA (FHA|USDA|VA) | 12 | $1,710,000 | $142,500 | $2,132 | 4.06% |
| FRESNO, CA (FHA|USDA|VA) | 6 | $1,680,000 | $280,000 | $4,277 | 3.75% |
| VALLEJO, CA (FHA|USDA|VA) | 5 | $1,675,000 | $335,000 | $5,827 | 4.00% |
| BATON ROUGE, LA (FHA|USDA|VA) | 10 | $1,670,000 | $167,000 | $2,895 | 4.12% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 10 | $1,620,000 | $162,000 | $2,822 | 3.95% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 9 | $1,615,000 | $179,444 | $3,511 | 3.90% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 8 | $1,490,000 | $186,250 | $2,428 | 3.89% |
| PROVO-OREM, UT (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $4,678 | 4.23% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 9 | $1,475,000 | $163,889 | $2,833 | 3.87% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 10 | $1,460,000 | $146,000 | $2,080 | 3.94% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 8 | $1,440,000 | $180,000 | $3,269 | 3.95% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 9 | $1,425,000 | $158,333 | $2,306 | 3.88% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 6 | $1,420,000 | $236,667 | $4,098 | 3.89% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $4,830 | 4.14% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 9 | $1,385,000 | $153,889 | $2,673 | 3.71% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 9 | $1,365,000 | $151,667 | $2,644 | 3.89% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 6 | $1,340,000 | $223,333 | $4,634 | 3.79% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 9 | $1,325,000 | $147,222 | $2,531 | 3.86% |
| READING, PA (FHA|USDA|VA) | 8 | $1,280,000 | $160,000 | $2,756 | 4.11% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 8 | $1,240,000 | $155,000 | $2,424 | 3.86% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 7 | $1,225,000 | $175,000 | $3,066 | 3.87% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 9 | $1,205,000 | $133,889 | $2,145 | 3.94% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 7 | $1,195,000 | $170,714 | $2,492 | 4.01% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 7 | $1,185,000 | $169,286 | $2,354 | 3.89% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 8 | $1,180,000 | $147,500 | $2,516 | 3.81% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 7 | $1,165,000 | $166,429 | $2,858 | 3.87% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 9 | $1,165,000 | $129,444 | $2,236 | 4.25% |
| MEDFORD, OR (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $4,348 | 3.96% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 6 | $1,110,000 | $185,000 | $3,223 | 3.85% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 7 | $1,095,000 | $156,429 | $2,709 | 3.75% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 7 | $1,095,000 | $156,429 | $2,711 | 3.94% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 6 | $1,090,000 | $181,667 | $2,680 | 3.67% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 7 | $1,085,000 | $155,000 | $2,684 | 4.02% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 6 | $1,070,000 | $178,333 | $3,061 | 4.16% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 5 | $1,045,000 | $209,000 | $3,625 | 3.90% |
| SPARTANBURG, SC (FHA|USDA|VA) | 7 | $1,015,000 | $145,000 | $1,927 | 3.82% |
| TOLEDO, OH (FHA|USDA|VA) | 5 | $1,005,000 | $201,000 | $3,454 | 3.80% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 7 | $1,005,000 | $143,571 | $2,202 | 3.82% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 6 | $1,000,000 | $166,667 | $2,192 | 3.83% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 6 | $1,000,000 | $166,667 | $2,225 | 3.81% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 6 | $990,000 | $165,000 | $2,284 | 3.92% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 4 | $980,000 | $245,000 | $5,496 | 4.27% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 7 | $975,000 | $139,286 | $2,203 | 3.82% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $3,831 | 4.20% |
| EL PASO, TX (FHA|USDA|VA) | 8 | $960,000 | $120,000 | $2,057 | 4.03% |
| HATTIESBURG, MS (FHA|USDA|VA) | 6 | $960,000 | $160,000 | $2,707 | 3.90% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 7 | $955,000 | $136,429 | $2,200 | 3.85% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 7 | $955,000 | $136,429 | $2,439 | 3.96% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 7 | $945,000 | $135,000 | $2,339 | 3.80% |
| FORT WAYNE, IN (FHA|USDA|VA) | 8 | $930,000 | $116,250 | $1,878 | 3.92% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 6 | $910,000 | $151,667 | $2,051 | 4.02% |
| JACKSON, MS (FHA|USDA|VA) | 7 | $895,000 | $127,857 | $2,215 | 3.85% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $890,000 | $222,500 | $4,522 | 4.06% |
| WICHITA, KS (FHA|USDA|VA) | 7 | $875,000 | $125,000 | $2,164 | 3.96% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 7 | $875,000 | $125,000 | $2,753 | 3.98% |
| AKRON, OH (FHA|USDA|VA) | 7 | $875,000 | $125,000 | $1,984 | 4.05% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $870,000 | $435,000 | $7,444 | 3.87% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $4,952 | 3.50% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 7 | $855,000 | $122,143 | $2,093 | 3.94% |
| Cadillac, MI (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $2,911 | 3.90% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 7 | $825,000 | $117,857 | $1,245 | 3.87% |
| BRUNSWICK, GA (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $3,701 | 4.62% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $2,580 | 3.93% |
| TUCSON, AZ (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $2,715 | 3.82% |
| LAFAYETTE, LA (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $2,619 | 3.70% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 4 | $780,000 | $195,000 | $3,333 | 3.84% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $1,494 | 3.72% |
| SANTA FE, NM (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $2,784 | 4.04% |
| Holland, MI (FHA|USDA|VA) | 4 | $770,000 | $192,500 | $3,246 | 4.25% |
| FLINT, MI (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $2,585 | 3.97% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $745,000 | $149,000 | $1,964 | 3.75% |
| ST. GEORGE, UT (FHA|USDA|VA) | 3 | $745,000 | $248,333 | $4,280 | 3.91% |
| HAMMOND, LA (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $3,155 | 3.94% |
| NILES, MI (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $2,550 | 3.97% |
| LAREDO, TX (FHA|USDA|VA) | 5 | $735,000 | $147,000 | $2,524 | 3.88% |
| CHEYENNE, WY (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $4,362 | 3.75% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $2,485 | 4.30% |
| Concord, NH (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $3,066 | 4.00% |
| CLEVELAND, TN (FHA|USDA|VA) | 4 | $700,000 | $175,000 | $3,688 | 4.00% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $2,310 | 3.79% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 6 | $670,000 | $111,667 | $1,560 | 4.18% |
| Jefferson, GA (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,811 | 4.00% |
| HINESVILLE, GA (FHA|USDA|VA) | 5 | $665,000 | $133,000 | $1,559 | 3.80% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $6,414 | 4.19% |
| DECATUR, AL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,689 | 3.83% |
| APPLETON, WI (FHA|USDA|VA) | 4 | $630,000 | $157,500 | $2,560 | 3.84% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $2,112 | 3.95% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $2,649 | 3.69% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $3,454 | 3.96% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 5 | $605,000 | $121,000 | $1,828 | 4.07% |
| OWENSBORO, KY (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $2,402 | 3.78% |
| BILLINGS, MT (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $3,378 | 3.83% |
| Bonham, TX (FHA|USDA|VA) | 4 | $580,000 | $145,000 | $2,470 | 4.28% |
| GREELEY, CO (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,206 | 3.50% |
| SALEM, OR (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,995 | 4.25% |
| CHARLESTON, WV (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $2,463 | 3.97% |
| VISALIA, CA (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $2,748 | 3.69% |
| LUBBOCK, TX (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $2,459 | 3.96% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 4 | $550,000 | $137,500 | $2,413 | 3.88% |
| ALTOONA, PA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,085 | 3.83% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,344 | 3.87% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,058 | 4.00% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,113 | 3.96% |
| Sonora, CA (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $2,996 | 3.63% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $2,281 | 3.84% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $3,450 | 4.45% |
| Angola, IN (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $0 | 3.50% |
| CASPER, WY (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $1,757 | 3.63% |
| MONTGOMERY, AL (FHA|USDA|VA) | 4 | $510,000 | $127,500 | $2,268 | 4.12% |
| Tupelo, MS (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $2,140 | 3.91% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,917 | 3.79% |
| Keene, NH (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,621 | 3.78% |
| Lawrenceburg, TN (FHA|USDA|VA) | 4 | $490,000 | $122,500 | $2,189 | 4.15% |
| ERIE, PA (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $2,017 | 4.09% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $2,047 | 4.00% |
| ABILENE, TX (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,714 | 4.08% |
| Scottsboro, AL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $1,832 | 3.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,052 | 3.75% |
| Prineville, OR (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $3,962 | 4.06% |
| AMARILLO, TX (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $1,993 | 4.09% |
| VICTORIA, TX (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,618 | 4.03% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,632 | 4.00% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,093 | 4.08% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,907 | 4.13% |
| GRANTS PASS, OR (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,853 | 3.88% |
| Torrington, CT (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,869 | 3.81% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,005 | 4.00% |
| MIDLAND, TX (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $2,606 | 3.95% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,730 | 3.75% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,800 | 4.06% |
| JACKSON, MI (FHA|USDA|VA) | 4 | $440,000 | $110,000 | $1,924 | 4.18% |
| MIDLAND, MI (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,539 | 4.17% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,486 | 3.87% |
| LEBANON, PA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,490 | 4.04% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $1,866 | 3.96% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $1,827 | 4.12% |
| PEORIA, IL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,442 | 3.79% |
| YAKIMA, WA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,393 | 3.79% |
| MONROE, MI (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $2,375 | 4.20% |
| Salina, KS (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $2,448 | 3.79% |
| Athens, TN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,982 | 4.37% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $1,571 | 3.75% |
| Granbury, TX (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,582 | 4.04% |
| Lebanon, NH-VT (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $1,917 | 3.83% |
| LANCASTER, PA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,335 | 3.58% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $1,003 | 3.87% |
| MANKATO, MN (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,408 | 3.81% |
| IOWA CITY, IA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,410 | 4.13% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $2,128 | 3.44% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $2,217 | 3.75% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $990 | 3.88% |
| TYLER, TX (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,663 | 3.81% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,193 | 4.25% |
| Clewiston, FL (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,149 | 4.12% |
| Cambridge, OH (FHA|USDA|VA) | 3 | $375,000 | $125,000 | $2,153 | 4.00% |
| Lexington, NE (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,196 | 3.74% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $2,256 | 3.31% |
| Chillicothe, OH (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,226 | 3.74% |
| Red Wing, MN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,225 | 3.74% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $2,393 | 3.91% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $1,180 | 3.75% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,078 | 3.69% |
| Hobbs, NM (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,129 | 3.99% |
| London, KY (FHA|USDA|VA) | 3 | $355,000 | $118,333 | $1,995 | 4.04% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $8,173 | 4.38% |
| GAINESVILLE, GA (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,057 | 3.81% |
| GREEN BAY, WI (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $1,998 | 4.33% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,893 | 4.06% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,887 | 3.75% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,933 | 4.12% |
| WILLIAMSPORT, PA (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $1,942 | 4.49% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $1,944 | 3.92% |
| Huntingdon, PA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,830 | 4.00% |
| Statesboro, GA (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $1,074 | 4.08% |
| MANHATTAN, KS (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,758 | 3.81% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,749 | 4.44% |
| LAWRENCE, KS (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,745 | 3.75% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $1,740 | 4.04% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,458 | 3.25% |
| Whitewater, WI (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,791 | 3.62% |
| Albemarle, NC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,612 | 4.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,661 | 4.06% |
| Danville, KY (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,629 | 4.13% |
| Roseburg, OR (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,735 | 4.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,682 | 3.99% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,665 | 3.56% |
| Picayune, MS (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,699 | 3.81% |
| Marietta, OH (FHA|USDA|VA) | 3 | $305,000 | $101,667 | $1,770 | 4.16% |
| LINCOLN, NE (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,555 | 3.50% |
| Warsaw, IN (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,671 | 3.81% |
| Wauchula, FL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,578 | 3.99% |
| COLUMBUS, IN (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,409 | 3.87% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,540 | 3.62% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,903 | 3.87% |
| North Wilkesboro, NC (FHA|USDA|VA) | 3 | $285,000 | $95,000 | $1,632 | 5.13% |
| Montrose, CO (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 3.25% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,463 | 4.35% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,377 | 4.19% |
| DALTON, GA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,371 | 3.81% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,363 | 3.75% |
| Columbus, MS (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $1,505 | 3.75% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,721 | 4.25% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,717 | 3.75% |
| MORRISTOWN, TN (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,351 | 3.87% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,295 | 3.75% |
| Lake City, FL (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,326 | 4.13% |
| Laurel, MS (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,368 | 4.63% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,336 | 3.87% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,622 | 4.75% |
| Helena, MT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 3.50% |
| Outside of Metro Areas | 1 | $265,000 | $265,000 | $4,483 | 3.88% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,235 | 4.25% |
| KOKOMO, IN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,166 | 4.13% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $1,556 | 4.19% |
| MUSKEGON, MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,453 | 4.31% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,234 | 3.87% |
| WACO, TX (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,300 | 3.75% |
| Gillette, WY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,333 | 3.75% |
| Moses Lake, WA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,081 | 4.13% |
| LONGVIEW, TX (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,141 | 4.37% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,196 | 3.69% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,192 | 4.13% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $2,169 | 3.87% |
| Williston, ND (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,226 | 3.49% |
| BISMARCK, ND (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $1,217 | 3.75% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,279 | 3.88% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,205 | 3.25% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,267 | 3.99% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,059 | 4.25% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,054 | 3.50% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,064 | 3.75% |
| DeRidder, LA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,963 | 3.88% |
| Selma, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,055 | 3.25% |
| Centralia, IL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,042 | 4.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,964 | 3.93% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,959 | 4.03% |
| LEWISTON, ID-WA (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,932 | 4.38% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,057 | 3.87% |
| Beaver Dam, WI (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,018 | 3.75% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,971 | 3.87% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,983 | 3.81% |
| BEND, OR (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,985 | 4.31% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,805 | 3.75% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,920 | 3.81% |
| Kendallville, IN (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,655 | 4.25% |
| LONGVIEW, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,741 | 4.25% |
| LIMA, OH (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,826 | 4.13% |
| Show Low, AZ (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,807 | 4.06% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,468 | 3.75% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,500 | 4.13% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,284 | 3.99% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,281 | 4.50% |
| Oxford, MS (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,312 | 3.50% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,382 | 3.88% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,274 | 3.88% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,028 | 3.94% |
| Opelousas, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,131 | 3.50% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $936 | 3.50% |
| New Castle, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,119 | 3.99% |
| Fremont, NE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,266 | 4.25% |
| Sandusky, OH (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,516 | 4.31% |
| Bedford, IN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,591 | 4.12% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,580 | 4.50% |
| Scottsburg, IN (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,549 | 4.43% |
| Hastings, NE (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,590 | 3.81% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,049 | 4.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,022 | 3.75% |
| New Castle, PA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,993 | 3.75% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 3.25% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,100 | 3.75% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.50% |
| Paris, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,641 | 4.50% |
| Las Vegas, NM (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,921 | 3.75% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,811 | 3.50% |
| Shelton, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,874 | 4.50% |
| SIOUX CITY, IA-NE-SD (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,829 | 3.99% |
| Indiana, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,840 | 3.49% |
| Easton, MD (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,851 | 3.75% |
| Urbana, OH (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,769 | 3.50% |
| MONROE, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,825 | 4.25% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,717 | 3.99% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,618 | 3.99% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,591 | 3.99% |
| Beatrice, NE (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,600 | 3.75% |
| Emporia, KS (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,727 | 3.99% |
| Athens, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,616 | 4.50% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,619 | 3.75% |
| Grants, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,580 | 3.50% |
| Elk City, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,746 | 3.88% |
| Roswell, NM (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,600 | 4.25% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,665 | 4.00% |
| Boone, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,692 | 3.75% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.75% |
| Crawfordsville, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,705 | 3.25% |
| Tullahoma-Manchester, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,461 | 3.63% |
| Troy, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,543 | 3.75% |
| Carroll, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,509 | 3.75% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,448 | 3.88% |
| St. Marys, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $740 | 3.63% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,490 | 3.88% |
| ST. CLOUD, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,550 | 4.38% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,499 | 3.75% |
| Worthington, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,449 | 4.25% |
| Klamath Falls, OR (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,438 | 3.99% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,555 | 3.75% |
| Safford, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,545 | 3.99% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,533 | 4.63% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,491 | 3.38% |
| Berlin, NH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,122 | 4.94% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,527 | 4.38% |
| Ellensburg, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,586 | 3.88% |
| KANKAKEE, IL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,375 | 3.75% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,288 | 3.88% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,257 | 4.25% |
| Craig, CO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,283 | 3.75% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.75% |
| LaGrange, GA-AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,326 | 3.75% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,314 | 3.63% |
| Pampa, TX (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,378 | 3.75% |
| Palatka, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,249 | 5.38% |
| Calhoun, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,289 | 3.75% |
| Susanville, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 3.88% |
| Centralia, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,388 | 3.99% |
| Marion, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,647 | 4.63% |
| Price, UT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,326 | 3.63% |
| Wilson, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,166 | 4.13% |
| Greensburg, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,209 | 4.99% |
| Dyersburg, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,073 | 3.75% |
| WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,142 | 3.88% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,176 | 4.50% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $636 | 3.75% |
| Greeneville, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,135 | 3.75% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,231 | 3.88% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,242 | 3.88% |
| DULUTH, MN-WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,105 | 4.25% |
| ROANOKE, VA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,106 | 3.75% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,091 | 3.75% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,167 | 3.99% |
| JONESBORO, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,232 | 3.88% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,079 | 3.38% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,073 | 3.75% |
| Atmore, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,189 | 4.38% |
| RACINE, WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,112 | 3.88% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,234 | 3.88% |
| Ashland, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,224 | 3.63% |
| Washington, IN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,965 | 4.95% |
| Kerrville, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,954 | 4.25% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,978 | 4.63% |
| Athens, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,972 | 3.88% |
| Palestine, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,041 | 3.75% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,956 | 3.75% |
| Paris, TX (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,946 | 4.75% |
| Payson, AZ (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,991 | 4.13% |
| Laconia, NH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,065 | 4.25% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,017 | 4.25% |
| Sanford, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,042 | 3.75% |
| Woodward, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,991 | 3.88% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,987 | 3.75% |
| TWIN FALLS, ID (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $562 | 3.63% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $590 | 3.75% |
| Warren, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,953 | 3.75% |
| Danville, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,958 | 4.50% |
| Ruston, LA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,956 | 4.50% |
| Norwalk, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,750 | 4.38% |
| MERCED, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,844 | 3.75% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,885 | 3.88% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,855 | 4.25% |
| ROME, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,739 | 4.25% |
| Quincy, IL-MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,848 | 3.88% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,855 | 3.75% |
| Coldwater, MI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,815 | 4.63% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 3.63% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,778 | 4.75% |
| Gaffney, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,848 | 3.63% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,614 | 3.63% |
| Jacksonville, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,588 | 4.25% |
| Sterling, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,690 | 3.99% |
| Sunbury, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,610 | 4.25% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,638 | 3.99% |
| Evanston, WY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 3.99% |
| Plainview, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,619 | 3.63% |
| Grenada, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,603 | 3.99% |
| Beeville, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,586 | 3.99% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,683 | 4.20% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,595 | 3.99% |
| Greenwood, MS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,422 | 4.49% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,526 | 3.88% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,508 | 3.88% |
| Somerset, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $445 | 3.75% |
| Coshocton, OH (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,396 | 3.63% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,512 | 4.25% |
| Seneca, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,520 | 3.99% |
| Madison, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,464 | 3.99% |
| Huntington, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,388 | 3.99% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,529 | 3.99% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,504 | 4.63% |
| Sterling, CO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,474 | 3.75% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,393 | 3.99% |
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Product Mix
For 2019, Oceanside Mortgage Company's most frequently originated type of loan was FHA, with 2,537 originations. Their 2nd most popular type was VA, with 262 originations.
Loan Reason
For 2019, Oceanside Mortgage Company's most frequently cited loan purpose was Refi, with 2,781 originations. The 2nd most popular reason was Cash Out Refi, with 68 originations.
Loan Duration/Length
For 2019, Oceanside Mortgage Company's most frequently cited loan duration was 30 Year, with 2,719 originations. The 2nd most popular length was Other, with 127 originations.
Origination Fees/Closing Costs
| Origination Fee/Closing Cost | Originations | Total Value | Average Loan |
|---|---|---|---|
| $<1k | 440 | $87,640,000 | $199,182 |
| $2k-3k | 5 | $1,045,000 | $209,000 |
| $1k-2k | 3 | $515,000 | $171,667 |
Oceanside Mortgage Company's average total fees were $3,035, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 440 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2,093 | $388,805,000 | $185,764 |
| 4-5% | 781 | $135,145,000 | $173,041 |
| 5-6% | 12 | $1,930,000 | $160,833 |
| 6-7% | 1 | $95,000 | $95,000 |
During 2019, Oceanside Mortgage Company's average interest rate for loans was 3.94%, while their most frequently originated rate bucket for loans was 3-4%, with 2,093 originations.
Loan Sizing
2019 saw Oceanside Mortgage Company place emphasis on $100k-200k loans with 1,753 originations, totaling $255,645,000 in origination value.
Applicant Income
Oceanside Mortgage Company lent most frequently to those with incomes in the $50k or less range, with 455 originations. The second most popular income band? $50k-75k, with 79 originations.
Applicant Debt to Income Ratio
Oceanside Mortgage Company lent most frequently to those with DTI ratios of <20%, with 2,588 originations. The next most common DTI ratio? 30-36%, with 67 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.58%
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 origination84.38%
Oceanside Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,887 | $525,975,000 | $182,187 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 225 | $31,405,000 | $139,578 |
| Single Family (1-4 Units):Site-Built | 2,662 | $494,570,000 | $185,789 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| OCEANSIDE MORTGAGE COMPANY | Conventional home mortgage | Closing on a mortgage | 1 | 14.3% |
| OCEANSIDE MORTGAGE COMPANY | Conventional home mortgage | Struggling to pay mortgage | 1 | 14.3% |
| OCEANSIDE MORTGAGE COMPANY | FHA mortgage | Trouble during payment process | 4 | 57.1% |
| OCEANSIDE MORTGAGE COMPANY | VA mortgage | Trouble during payment process | 1 | 14.3% |