Oceanside Mortgage Company Rates, Fees & Info

Toms River, NJ

LEI: 5493004R423PBPM6A173

Tax ID: 22-3470404

Latest/2023 | 2022 Data | 2021 Data | 2020 Data |

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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, Dallas, Washington, and Houston among others. We have data for 496 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.

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% 3/27/24
30 Year Conventional Refi 6.27% 3/27/24
30 Year Cash-out Refi 6.27% 3/27/24
30 Year FHA Purchase 6.27% 3/27/24
30 Year FHA Refi 6.27% 3/27/24
30 Year VA Purchase 6.27% 3/27/24
30 Year VA Refi 6.27% 3/27/24
30 Year USDA Refi 6.27% 3/27/24
15 Year Conventional Refi 5.68% 3/27/24
15 Year Cash-out Refi 5.68% 3/27/24
15 Year FHA Refi 5.68% 3/27/24
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






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

4,591

Origination Dollar Volume (All Markets)

$897,395,000
Show all (137) awards

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) 261 $66,605,000 $255,192 $3,510 2.78%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 219 $40,115,000 $183,174 $2,949 2.99%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 180 $37,190,000 $206,611 $3,324 2.96%
Outside of Metro Areas 190 $32,320,000 $170,105 $2,650 3.09%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 94 $31,830,000 $338,617 $4,658 2.88%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 129 $25,015,000 $193,915 $3,180 3.04%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 129 $24,775,000 $192,054 $3,064 2.90%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 120 $21,140,000 $176,167 $3,020 3.00%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 113 $18,965,000 $167,832 $2,708 2.95%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 54 $17,390,000 $322,037 $4,309 2.85%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 68 $15,920,000 $234,118 $3,656 2.92%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 75 $13,605,000 $181,400 $2,793 3.02%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 61 $13,335,000 $218,607 $3,531 2.90%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 58 $11,540,000 $198,966 $3,259 3.00%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 49 $11,535,000 $235,408 $3,528 2.85%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 64 $11,400,000 $178,125 $2,726 2.93%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 41 $10,925,000 $266,463 $4,329 2.97%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 33 $10,865,000 $329,242 $5,417 3.01%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 49 $9,585,000 $195,612 $3,256 3.04%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 44 $9,310,000 $211,591 $3,307 2.82%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 62 $9,220,000 $148,710 $2,434 3.03%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 22 $9,100,000 $413,636 $5,978 2.91%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 33 $8,535,000 $258,636 $3,558 2.85%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 43 $8,525,000 $198,256 $3,120 3.11%
JACKSONVILLE, FL (FHA|USDA|VA) 41 $8,125,000 $198,171 $3,256 3.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 24 $7,720,000 $321,667 $4,292 3.07%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 31 $6,985,000 $225,323 $3,140 2.90%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 27 $6,235,000 $230,926 $3,948 3.01%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 36 $6,160,000 $171,111 $2,482 2.96%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 19 $5,815,000 $306,053 $5,195 2.98%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 18 $5,640,000 $313,333 $4,761 3.05%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 31 $5,565,000 $179,516 $2,979 3.02%
WORCESTER, MA-CT (FHA|USDA|VA) 27 $5,415,000 $200,556 $3,237 2.90%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 11 $5,335,000 $485,000 $7,017 2.71%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 38 $5,190,000 $136,579 $2,173 3.11%
COLUMBUS, OH (FHA|USDA|VA) 28 $4,960,000 $177,143 $2,791 3.05%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 24 $4,800,000 $200,000 $3,255 3.05%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 32 $4,690,000 $146,563 $2,445 3.00%
SALT LAKE CITY, UT (FHA|USDA|VA) 20 $4,650,000 $232,500 $4,001 2.97%
FORT WAYNE, IN (FHA|USDA|VA) 27 $4,595,000 $170,185 $2,038 2.92%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 23 $4,585,000 $199,348 $3,089 3.11%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 20 $4,570,000 $228,500 $3,816 2.93%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 21 $4,175,000 $198,810 $3,131 2.98%
LOUISVILLE, KY (FHA|USDA|VA) 27 $4,145,000 $153,519 $2,173 2.99%
TULSA, OK (FHA|USDA|VA) 25 $3,975,000 $159,000 $2,466 2.99%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 24 $3,950,000 $164,583 $2,824 2.95%
PORT ST. LUCIE, FL (FHA|USDA|VA) 20 $3,630,000 $181,500 $3,210 3.08%
SPRINGFIELD, MA (FHA|USDA|VA) 17 $3,585,000 $210,882 $2,958 2.85%
OGDEN-CLEARFIELD, UT (FHA|USDA|VA) 14 $3,440,000 $245,714 $4,316 3.13%
PITTSBURGH, PA (FHA|USDA|VA) 22 $3,420,000 $155,455 $2,267 2.99%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 21 $3,395,000 $161,667 $2,404 3.03%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 13 $3,385,000 $260,385 $4,489 3.04%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 21 $3,375,000 $160,714 $2,464 3.12%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 19 $3,295,000 $173,421 $2,808 3.04%
BOISE CITY, ID (FHA|USDA|VA) 14 $3,240,000 $231,429 $3,933 3.09%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 16 $3,200,000 $200,000 $2,585 2.96%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 18 $3,190,000 $177,222 $2,813 2.92%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 18 $3,170,000 $176,111 $3,038 2.96%
OKLAHOMA CITY, OK (FHA|USDA|VA) 19 $3,145,000 $165,526 $2,900 2.85%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 23 $3,025,000 $131,522 $1,975 3.06%
RICHMOND, VA (FHA|USDA|VA) 14 $3,000,000 $214,286 $2,880 2.89%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 19 $2,975,000 $156,579 $2,504 3.06%
COLUMBIA, SC (FHA|USDA|VA) 17 $2,865,000 $168,529 $2,677 2.98%
PROVO-OREM, UT (FHA|USDA|VA) 10 $2,740,000 $274,000 $4,616 2.86%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 13 $2,705,000 $208,077 $3,453 2.93%
DOVER, DE (FHA|USDA|VA) 12 $2,680,000 $223,333 $3,704 3.06%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 11 $2,525,000 $229,545 $2,097 2.95%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 14 $2,510,000 $179,286 $2,860 2.93%
ODESSA, TX (FHA|USDA|VA) 14 $2,510,000 $179,286 $3,085 2.90%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 16 $2,450,000 $153,125 $2,527 3.14%
YORK-HANOVER, PA (FHA|USDA|VA) 14 $2,370,000 $169,286 $3,030 2.91%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 4 $2,370,000 $592,500 $11,338 2.68%
WICHITA, KS (FHA|USDA|VA) 16 $2,360,000 $147,500 $2,235 3.03%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 13 $2,265,000 $174,231 $2,097 2.78%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 14 $2,240,000 $160,000 $2,540 3.00%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 14 $2,230,000 $159,286 $2,671 2.98%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 15 $2,215,000 $147,667 $2,553 3.21%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 15 $2,165,000 $144,333 $2,022 3.04%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 11 $2,135,000 $194,091 $3,206 3.03%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 8 $2,110,000 $263,750 $2,623 2.97%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 11 $2,095,000 $190,455 $2,834 2.79%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 14 $2,080,000 $148,571 $2,550 3.04%
TALLAHASSEE, FL (FHA|USDA|VA) 13 $2,005,000 $154,231 $2,665 3.01%
RALEIGH-CARY, NC (FHA|USDA|VA) 11 $1,925,000 $175,000 $2,787 3.05%
GREELEY, CO (FHA|USDA|VA) 6 $1,910,000 $318,333 $5,461 3.37%
BATON ROUGE, LA (FHA|USDA|VA) 9 $1,905,000 $211,667 $3,352 2.97%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 12 $1,900,000 $158,333 $2,017 2.76%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 14 $1,900,000 $135,714 $1,630 3.12%
OCALA, FL (FHA|USDA|VA) 12 $1,890,000 $157,500 $2,379 2.90%
MONTGOMERY, AL (FHA|USDA|VA) 12 $1,890,000 $157,500 $2,444 2.86%
COLORADO SPRINGS, CO (FHA|USDA|VA) 8 $1,880,000 $235,000 $4,067 2.81%
STOCKTON, CA (FHA|USDA|VA) 7 $1,875,000 $267,857 $4,180 2.71%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 13 $1,835,000 $141,154 $2,464 3.15%
AKRON, OH (FHA|USDA|VA) 13 $1,835,000 $141,154 $1,613 3.03%
SALISBURY, MD-DE (FHA|USDA|VA) 11 $1,815,000 $165,000 $2,245 2.91%
MEDFORD, OR (FHA|USDA|VA) 10 $1,800,000 $180,000 $2,925 2.96%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 11 $1,795,000 $163,182 $2,807 3.08%
KANSAS CITY, MO-KS (FHA|USDA|VA) 10 $1,780,000 $178,000 $3,069 3.15%
MODESTO, CA (FHA|USDA|VA) 6 $1,660,000 $276,667 $4,464 2.87%
FLINT, MI (FHA|USDA|VA) 10 $1,660,000 $166,000 $2,876 3.15%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 7 $1,645,000 $235,000 $3,295 2.78%
ELKHART-GOSHEN, IN (FHA|USDA|VA) 12 $1,640,000 $136,667 $2,345 3.10%
DAYTON-KETTERING, OH (FHA|USDA|VA) 11 $1,635,000 $148,636 $1,877 3.11%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 11 $1,625,000 $147,727 $2,526 3.24%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 10 $1,610,000 $161,000 $2,798 3.07%
VISALIA, CA (FHA|USDA|VA) 7 $1,575,000 $225,000 $3,357 2.86%
JACKSON, MS (FHA|USDA|VA) 9 $1,575,000 $175,000 $2,992 3.02%
READING, PA (FHA|USDA|VA) 8 $1,530,000 $191,250 $2,872 3.00%
BAKERSFIELD, CA (FHA|USDA|VA) 9 $1,515,000 $168,333 $2,652 2.80%
BLOOMINGTON, IN (FHA|USDA|VA) 8 $1,480,000 $185,000 $2,543 2.61%
LEWISTON-AUBURN, ME (FHA|USDA|VA) 8 $1,460,000 $182,500 $2,800 3.03%
PUNTA GORDA, FL (FHA|USDA|VA) 6 $1,380,000 $230,000 $1,986 2.73%
TOLEDO, OH (FHA|USDA|VA) 8 $1,350,000 $168,750 $2,464 3.08%
GRAND JUNCTION, CO (FHA|USDA|VA) 4 $1,350,000 $337,500 $5,829 2.87%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 8 $1,350,000 $168,750 $2,029 3.05%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 7 $1,345,000 $192,143 $3,272 3.00%
Warsaw, IN (FHA|USDA|VA) 8 $1,330,000 $166,250 $2,156 2.75%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 6 $1,320,000 $220,000 $3,548 3.04%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 7 $1,305,000 $186,429 $3,119 3.00%
SALEM, OR (FHA|USDA|VA) 5 $1,265,000 $253,000 $4,317 3.00%
ST. GEORGE, UT (FHA|USDA|VA) 5 $1,265,000 $253,000 $4,370 3.07%
ASHEVILLE, NC (FHA|USDA|VA) 8 $1,260,000 $157,500 $2,358 3.03%
LAFAYETTE, LA (FHA|USDA|VA) 8 $1,250,000 $156,250 $2,879 3.04%
KENNEWICK-RICHLAND, WA (FHA|USDA|VA) 7 $1,245,000 $177,857 $3,074 3.18%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 7 $1,245,000 $177,857 $2,502 2.89%
LONGVIEW, WA (FHA|USDA|VA) 5 $1,235,000 $247,000 $4,294 2.70%
ALBUQUERQUE, NM (FHA|USDA|VA) 9 $1,225,000 $136,111 $2,370 3.26%
LUBBOCK, TX (FHA|USDA|VA) 9 $1,215,000 $135,000 $1,610 2.94%
VALLEJO, CA (FHA|USDA|VA) 3 $1,195,000 $398,333 $6,944 2.83%
FORT SMITH, AR-OK (FHA|USDA|VA) 5 $1,175,000 $235,000 $4,026 2.92%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 5 $1,175,000 $235,000 $4,104 3.03%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 8 $1,170,000 $146,250 $2,110 3.00%
EAST STROUDSBURG, PA (FHA|USDA|VA) 7 $1,165,000 $166,429 $2,863 2.99%
FRESNO, CA (FHA|USDA|VA) 6 $1,160,000 $193,333 $2,465 2.85%
ST. LOUIS, MO-IL (FHA|USDA|VA) 8 $1,140,000 $142,500 $2,266 2.81%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 7 $1,135,000 $162,143 $2,834 3.00%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 7 $1,135,000 $162,143 $2,772 2.98%
KNOXVILLE, TN (FHA|USDA|VA) 7 $1,115,000 $159,286 $2,059 2.93%
NILES, MI (FHA|USDA|VA) 8 $1,090,000 $136,250 $2,352 3.29%
GREEN BAY, WI (FHA|USDA|VA) 6 $1,080,000 $180,000 $3,084 3.13%
WILMINGTON, NC (FHA|USDA|VA) 4 $1,070,000 $267,500 $4,459 2.84%
HUNTSVILLE, AL (FHA|USDA|VA) 5 $1,055,000 $211,000 $2,832 3.02%
MIDLAND, TX (FHA|USDA|VA) 7 $1,045,000 $149,286 $2,576 3.03%
SALINAS, CA (FHA|USDA|VA) 2 $1,040,000 $520,000 $8,922 2.75%
Gillette, WY (FHA|USDA|VA) 4 $1,020,000 $255,000 $4,424 2.93%
SHERMAN-DENISON, TX (FHA|USDA|VA) 6 $1,010,000 $168,333 $2,885 3.20%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 5 $995,000 $199,000 $2,529 3.12%
TUCSON, AZ (FHA|USDA|VA) 7 $995,000 $142,143 $2,468 3.10%
FAYETTEVILLE, NC (FHA|USDA|VA) 8 $990,000 $123,750 $1,833 3.09%
SANTA FE, NM (FHA|USDA|VA) 4 $990,000 $247,500 $2,890 2.97%
LANSING-EAST LANSING, MI (FHA|USDA|VA) 6 $970,000 $161,667 $2,403 3.10%
EL PASO, TX (FHA|USDA|VA) 8 $970,000 $121,250 $2,070 2.87%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $930,000 $155,000 $2,427 3.14%
SPARTANBURG, SC (FHA|USDA|VA) 5 $925,000 $185,000 $3,173 3.30%
WINSTON-SALEM, NC (FHA|USDA|VA) 7 $925,000 $132,143 $2,260 2.93%
COLUMBUS, IN (FHA|USDA|VA) 6 $910,000 $151,667 $2,598 3.17%
SUMTER, SC (FHA|USDA|VA) 6 $900,000 $150,000 $2,042 3.04%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $895,000 $179,000 $3,082 2.80%
PEORIA, IL (FHA|USDA|VA) 7 $885,000 $126,429 $2,198 3.05%
BOULDER, CO (FHA|USDA|VA) 2 $880,000 $440,000 $1,083 2.88%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 7 $875,000 $125,000 $1,976 2.91%
CASPER, WY (FHA|USDA|VA) 4 $850,000 $212,500 $2,602 3.53%
LANCASTER, PA (FHA|USDA|VA) 6 $850,000 $141,667 $2,445 2.87%
GAINESVILLE, GA (FHA|USDA|VA) 5 $845,000 $169,000 $2,940 2.82%
Torrington, CT (FHA|USDA|VA) 3 $845,000 $281,667 $4,905 2.82%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 5 $825,000 $165,000 $969 3.03%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 2 $800,000 $400,000 $6,309 2.56%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 4 $780,000 $195,000 $1,722 3.06%
SAVANNAH, GA (FHA|USDA|VA) 4 $780,000 $195,000 $3,331 2.94%
TOPEKA, KS (FHA|USDA|VA) 6 $780,000 $130,000 $2,264 3.16%
FORT COLLINS, CO (FHA|USDA|VA) 3 $775,000 $258,333 $4,426 2.58%
MONROE, LA (FHA|USDA|VA) 5 $765,000 $153,000 $2,667 2.95%
THE VILLAGES, FL (FHA|USDA|VA) 5 $765,000 $153,000 $2,848 2.95%
LEBANON, PA (FHA|USDA|VA) 6 $740,000 $123,333 $2,138 3.06%
CEDAR RAPIDS, IA (FHA|USDA|VA) 3 $735,000 $245,000 $4,152 3.08%
VICTORIA, TX (FHA|USDA|VA) 5 $735,000 $147,000 $2,531 3.11%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 4 $730,000 $182,500 $3,138 2.93%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 6 $730,000 $121,667 $2,085 3.10%
Palatka, FL (FHA|USDA|VA) 5 $725,000 $145,000 $2,502 3.10%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 5 $715,000 $143,000 $2,471 2.97%
BRUNSWICK, GA (FHA|USDA|VA) 3 $705,000 $235,000 $4,999 2.67%
Greenwood, SC (FHA|USDA|VA) 4 $700,000 $175,000 $3,009 2.81%
OWENSBORO, KY (FHA|USDA|VA) 4 $690,000 $172,500 $2,547 2.94%
MANKATO, MN (FHA|USDA|VA) 4 $690,000 $172,500 $2,979 2.94%
GAINESVILLE, FL (FHA|USDA|VA) 4 $680,000 $170,000 $3,321 3.12%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 5 $665,000 $133,000 $2,295 3.20%
ALTOONA, PA (FHA|USDA|VA) 5 $665,000 $133,000 $2,338 2.97%
SIOUX FALLS, SD (FHA|USDA|VA) 4 $660,000 $165,000 $2,837 3.06%
LONGVIEW, TX (FHA|USDA|VA) 5 $645,000 $129,000 $2,248 3.04%
LAREDO, TX (FHA|USDA|VA) 4 $640,000 $160,000 $2,752 2.75%
CORPUS CHRISTI, TX (FHA|USDA|VA) 4 $640,000 $160,000 $2,786 2.93%
KANKAKEE, IL (FHA|USDA|VA) 5 $635,000 $127,000 $2,213 2.92%
APPLETON, WI (FHA|USDA|VA) 4 $630,000 $157,500 $2,691 3.09%
ALEXANDRIA, LA (FHA|USDA|VA) 4 $630,000 $157,500 $2,073 3.09%
HATTIESBURG, MS (FHA|USDA|VA) 4 $630,000 $157,500 $2,669 2.93%
CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $625,000 $125,000 $2,136 2.90%
Jefferson, GA (FHA|USDA|VA) 3 $625,000 $208,333 $3,561 3.00%
YAKIMA, WA (FHA|USDA|VA) 4 $620,000 $155,000 $2,683 3.22%
JACKSON, MI (FHA|USDA|VA) 6 $620,000 $103,333 $1,835 3.25%
Whitewater, WI (FHA|USDA|VA) 3 $615,000 $205,000 $1,705 2.75%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 4 $610,000 $152,500 $2,200 2.75%
Fairmont, WV (FHA|USDA|VA) 3 $605,000 $201,667 $3,402 2.91%
Andrews, TX (FHA|USDA|VA) 3 $595,000 $198,333 $3,407 2.92%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $595,000 $595,000 $10,224 2.75%
Emporia, KS (FHA|USDA|VA) 5 $585,000 $117,000 $2,045 2.94%
Bennington, VT (FHA|USDA|VA) 2 $580,000 $290,000 $5,081 3.25%
FARGO, ND-MN (FHA|USDA|VA) 3 $575,000 $191,667 $2,831 2.92%
TWIN FALLS, ID (FHA|USDA|VA) 3 $575,000 $191,667 $3,281 3.46%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 2 $570,000 $285,000 $4,846 3.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 4 $570,000 $142,500 $2,347 2.88%
ABILENE, TX (FHA|USDA|VA) 5 $565,000 $113,000 $1,771 2.85%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $565,000 $188,333 $2,142 3.08%
Easton, MD (FHA|USDA|VA) 2 $560,000 $280,000 $4,787 2.75%
Lufkin, TX (FHA|USDA|VA) 3 $555,000 $185,000 $3,284 3.08%
BILLINGS, MT (FHA|USDA|VA) 3 $555,000 $185,000 $3,251 2.82%
YUMA, AZ (FHA|USDA|VA) 4 $540,000 $135,000 $1,891 2.75%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $530,000 $265,000 $4,550 3.13%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 4 $530,000 $132,500 $3,219 2.99%
MUSKEGON, MI (FHA|USDA|VA) 3 $525,000 $175,000 $2,968 3.13%
Angola, IN (FHA|USDA|VA) 1 $515,000 $515,000 $245 2.99%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 5 $515,000 $103,000 $1,807 3.10%
Ashtabula, OH (FHA|USDA|VA) 3 $515,000 $171,667 $3,029 2.95%
CHEYENNE, WY (FHA|USDA|VA) 2 $510,000 $255,000 $4,348 3.18%
HAMMOND, LA (FHA|USDA|VA) 3 $505,000 $168,333 $2,853 2.92%
BANGOR, ME (FHA|USDA|VA) 4 $500,000 $125,000 $2,171 3.24%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 4 $500,000 $125,000 $2,163 3.19%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 3 $495,000 $165,000 $2,835 2.66%
Kendallville, IN (FHA|USDA|VA) 4 $490,000 $122,500 $2,075 3.06%
WINCHESTER, VA-WV (FHA|USDA|VA) 3 $485,000 $161,667 $2,754 2.74%
Cadillac, MI (FHA|USDA|VA) 3 $485,000 $161,667 $2,803 2.83%
LaGrange, GA-AL (FHA|USDA|VA) 3 $485,000 $161,667 $2,655 3.13%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 4 $480,000 $120,000 $1,983 2.97%
DOTHAN, AL (FHA|USDA|VA) 3 $475,000 $158,333 $2,788 3.08%
DECATUR, AL (FHA|USDA|VA) 3 $475,000 $158,333 $2,777 3.16%
ERIE, PA (FHA|USDA|VA) 4 $470,000 $117,500 $2,005 3.28%
BURLINGTON, NC (FHA|USDA|VA) 2 $470,000 $235,000 $4,029 2.87%
WILLIAMSPORT, PA (FHA|USDA|VA) 3 $465,000 $155,000 $3,033 2.66%
FLORENCE, SC (FHA|USDA|VA) 3 $465,000 $155,000 $2,625 3.08%
Hobbs, NM (FHA|USDA|VA) 3 $465,000 $155,000 $2,684 3.24%
Prineville, OR (FHA|USDA|VA) 2 $460,000 $230,000 $3,958 3.00%
ROCKFORD, IL (FHA|USDA|VA) 4 $460,000 $115,000 $2,058 3.06%
Red Wing, MN (FHA|USDA|VA) 2 $460,000 $230,000 $3,924 3.00%
TERRE HAUTE, IN (FHA|USDA|VA) 4 $460,000 $115,000 $1,729 3.00%
TYLER, TX (FHA|USDA|VA) 3 $455,000 $151,667 $2,540 3.21%
EL CENTRO, CA (FHA|USDA|VA) 2 $450,000 $225,000 $3,894 3.00%
BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 2 $450,000 $225,000 $3,875 2.87%
Sanford, NC (FHA|USDA|VA) 2 $450,000 $225,000 $3,842 2.74%
BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) 3 $445,000 $148,333 $2,592 2.92%
JACKSONVILLE, NC (FHA|USDA|VA) 3 $435,000 $145,000 $2,659 2.88%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 1 $435,000 $435,000 $7,569 2.88%
Sevierville, TN (FHA|USDA|VA) 3 $435,000 $145,000 $2,484 3.00%
WAUSAU-WESTON, WI (FHA|USDA|VA) 2 $430,000 $215,000 $3,674 2.50%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $425,000 $141,667 $2,400 3.13%
Lake City, FL (FHA|USDA|VA) 3 $425,000 $141,667 $2,412 2.71%
Bluefield, WV-VA (FHA|USDA|VA) 3 $425,000 $141,667 $2,382 3.25%
Chillicothe, OH (FHA|USDA|VA) 2 $420,000 $210,000 $3,634 2.87%
CUMBERLAND, MD-WV (FHA|USDA|VA) 2 $420,000 $210,000 $3,650 3.25%
Tupelo, MS (FHA|USDA|VA) 3 $415,000 $138,333 $2,351 2.75%
IDAHO FALLS, ID (FHA|USDA|VA) 3 $415,000 $138,333 $1,195 2.83%
Laconia, NH (FHA|USDA|VA) 2 $410,000 $205,000 $3,451 3.13%
Athens, TN (FHA|USDA|VA) 2 $410,000 $205,000 $3,581 3.12%
Las Vegas, NM (FHA|USDA|VA) 2 $410,000 $205,000 $3,595 3.69%
HINESVILLE, GA (FHA|USDA|VA) 3 $405,000 $135,000 $1,636 2.99%
AMARILLO, TX (FHA|USDA|VA) 3 $405,000 $135,000 $2,331 2.83%
MOBILE, AL (FHA|USDA|VA) 4 $400,000 $100,000 $1,684 3.40%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 3 $395,000 $131,667 $1,741 3.08%
London, KY (FHA|USDA|VA) 3 $395,000 $131,667 $2,214 3.13%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 3 $395,000 $131,667 $2,279 3.37%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $385,000 $128,333 $2,255 3.25%
Plymouth, IN (FHA|USDA|VA) 2 $380,000 $190,000 $3,279 2.87%
Klamath Falls, OR (FHA|USDA|VA) 3 $375,000 $125,000 $2,157 3.16%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 3 $375,000 $125,000 $2,149 3.13%
ST. CLOUD, MN (FHA|USDA|VA) 3 $375,000 $125,000 $2,865 2.88%
Picayune, MS (FHA|USDA|VA) 2 $370,000 $185,000 $3,250 2.87%
LAKE CHARLES, LA (FHA|USDA|VA) 3 $365,000 $121,667 $2,134 2.75%
MUNCIE, IN (FHA|USDA|VA) 3 $365,000 $121,667 $2,119 3.13%
BOWLING GREEN, KY (FHA|USDA|VA) 2 $360,000 $180,000 $3,116 2.87%
MANSFIELD, OH (FHA|USDA|VA) 3 $355,000 $118,333 $2,067 3.25%
ROANOKE, VA (FHA|USDA|VA) 3 $355,000 $118,333 $1,994 3.46%
EVANSVILLE, IN-KY (FHA|USDA|VA) 3 $355,000 $118,333 $2,022 3.69%
DULUTH, MN-WI (FHA|USDA|VA) 3 $355,000 $118,333 $2,136 3.00%
Beaver Dam, WI (FHA|USDA|VA) 3 $345,000 $115,000 $2,013 2.96%
Campbellsville, KY (FHA|USDA|VA) 4 $340,000 $85,000 $1,442 3.25%
FLAGSTAFF, AZ (FHA|USDA|VA) 2 $330,000 $165,000 $2,855 3.25%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $330,000 $165,000 $2,885 3.18%
Batesville, AR (FHA|USDA|VA) 2 $330,000 $165,000 $2,783 3.25%
PUEBLO, CO (FHA|USDA|VA) 2 $330,000 $165,000 $1,890 2.62%
Paris, TN (FHA|USDA|VA) 2 $330,000 $165,000 $801 3.13%
Rock Springs, WY (FHA|USDA|VA) 1 $325,000 $325,000 $5,517 2.75%
Del Rio, TX (FHA|USDA|VA) 2 $320,000 $160,000 $2,760 3.50%
LAWRENCE, KS (FHA|USDA|VA) 2 $320,000 $160,000 $2,209 2.87%
Show Low, AZ (FHA|USDA|VA) 1 $315,000 $315,000 $5,508 2.75%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $315,000 $315,000 $5,435 2.75%
ALBANY, GA (FHA|USDA|VA) 3 $315,000 $105,000 $1,856 3.29%
RAPID CITY, SD (FHA|USDA|VA) 2 $310,000 $155,000 $2,659 3.12%
TEXARKANA, TX-AR (FHA|USDA|VA) 2 $310,000 $155,000 $2,677 2.75%
Athens, TX (FHA|USDA|VA) 2 $310,000 $155,000 $2,599 3.50%
Greenville, OH (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.25%
Shawano, WI (FHA|USDA|VA) 1 $305,000 $305,000 $5,222 2.99%
LINCOLN, NE (FHA|USDA|VA) 2 $300,000 $150,000 $2,564 2.87%
Cedartown, GA (FHA|USDA|VA) 2 $300,000 $150,000 $2,599 3.18%
Craig, CO (FHA|USDA|VA) 2 $300,000 $150,000 $1,546 3.12%
Lumberton, NC (FHA|USDA|VA) 2 $300,000 $150,000 $2,529 2.81%
Marietta, OH (FHA|USDA|VA) 3 $295,000 $98,333 $1,734 3.29%
GETTYSBURG, PA (FHA|USDA|VA) 1 $295,000 $295,000 $5,107 2.99%
Hermiston-Pendleton, OR (FHA|USDA|VA) 2 $290,000 $145,000 $2,424 2.99%
Evanston, WY (FHA|USDA|VA) 2 $290,000 $145,000 $2,457 3.00%
Coos Bay, OR (FHA|USDA|VA) 2 $290,000 $145,000 $2,321 2.87%
Columbus, MS (FHA|USDA|VA) 2 $290,000 $145,000 $740 2.74%
Safford, AZ (FHA|USDA|VA) 2 $290,000 $145,000 $2,553 3.12%
KOKOMO, IN (FHA|USDA|VA) 2 $290,000 $145,000 $2,417 3.13%
Montrose, CO (FHA|USDA|VA) 1 $285,000 $285,000 $0 2.75%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $280,000 $140,000 $2,452 3.24%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 2 $280,000 $140,000 $2,350 3.12%
Vicksburg, MS (FHA|USDA|VA) 1 $275,000 $275,000 $4,695 2.99%
Bedford, IN (FHA|USDA|VA) 3 $275,000 $91,667 $1,631 3.33%
ANN ARBOR, MI (FHA|USDA|VA) 1 $275,000 $275,000 $4,715 2.99%
Escanaba, MI (FHA|USDA|VA) 2 $270,000 $135,000 $2,257 3.25%
MORRISTOWN, TN (FHA|USDA|VA) 2 $270,000 $135,000 $2,350 3.24%
Shelby, NC (FHA|USDA|VA) 2 $270,000 $135,000 $2,325 3.13%
Gainesville, TX (FHA|USDA|VA) 2 $270,000 $135,000 $2,323 3.18%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 1 $265,000 $265,000 $4,630 2.99%
MADISON, WI (FHA|USDA|VA) 1 $265,000 $265,000 $4,622 2.99%
Lawrenceburg, TN (FHA|USDA|VA) 2 $260,000 $130,000 $2,223 2.87%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $260,000 $130,000 $1,557 3.12%
Greeneville, TN (FHA|USDA|VA) 2 $260,000 $130,000 $2,138 2.50%
Salina, KS (FHA|USDA|VA) 2 $260,000 $130,000 $2,287 2.99%
Centralia, WA (FHA|USDA|VA) 1 $255,000 $255,000 $4,580 3.75%
Helena, MT (FHA|USDA|VA) 1 $255,000 $255,000 $0 2.99%
Durango, CO (FHA|USDA|VA) 1 $255,000 $255,000 $4,387 2.50%
OCEAN CITY, NJ (FHA|USDA|VA) 1 $255,000 $255,000 $1,993 3.00%
SAN ANGELO, TX (FHA|USDA|VA) 2 $250,000 $125,000 $2,172 3.50%
Bardstown, KY (FHA|USDA|VA) 2 $250,000 $125,000 $2,147 3.49%
ROCKY MOUNT, NC (FHA|USDA|VA) 1 $245,000 $245,000 $4,291 2.75%
Williston, ND (FHA|USDA|VA) 1 $245,000 $245,000 $4,213 2.99%
Port Angeles, WA (FHA|USDA|VA) 1 $245,000 $245,000 $4,214 3.50%
MERCED, CA (FHA|USDA|VA) 1 $245,000 $245,000 $4,248 2.75%
Sunbury, PA (FHA|USDA|VA) 2 $240,000 $120,000 $1,378 3.50%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $235,000 $235,000 $1,171 3.25%
WENATCHEE, WA (FHA|USDA|VA) 1 $235,000 $235,000 $3,967 3.50%
Crossville, TN (FHA|USDA|VA) 2 $230,000 $115,000 $1,894 3.31%
Cambridge, OH (FHA|USDA|VA) 2 $230,000 $115,000 $1,959 2.99%
Washington, IN (FHA|USDA|VA) 2 $230,000 $115,000 $1,957 3.56%
Payson, AZ (FHA|USDA|VA) 2 $230,000 $115,000 $1,990 3.38%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 2 $230,000 $115,000 $1,963 3.37%
Kerrville, TX (FHA|USDA|VA) 2 $230,000 $115,000 $1,950 2.74%
Rio Grande City-Roma, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,833 2.75%
GRANTS PASS, OR (FHA|USDA|VA) 1 $225,000 $225,000 $3,856 2.99%
Marion, IN (FHA|USDA|VA) 2 $220,000 $110,000 $1,897 2.87%
Fort Payne, AL (FHA|USDA|VA) 2 $220,000 $110,000 $1,824 3.12%
MANHATTAN, KS (FHA|USDA|VA) 1 $215,000 $215,000 $3,731 2.99%
Ruidoso, NM (FHA|USDA|VA) 1 $215,000 $215,000 $3,737 2.99%
Sayre, PA (FHA|USDA|VA) 1 $215,000 $215,000 $0 2.25%
HOT SPRINGS, AR (FHA|USDA|VA) 2 $210,000 $105,000 $1,070 2.87%
BATTLE CREEK, MI (FHA|USDA|VA) 2 $210,000 $105,000 $1,884 2.50%
ROME, GA (FHA|USDA|VA) 2 $210,000 $105,000 $1,735 3.00%
Mount Sterling, KY (FHA|USDA|VA) 2 $210,000 $105,000 $1,782 3.38%
ROCHESTER, MN (FHA|USDA|VA) 1 $205,000 $205,000 $3,535 3.25%
CARBONDALE-MARION, IL (FHA|USDA|VA) 1 $205,000 $205,000 $3,541 2.75%
SPRINGFIELD, IL (FHA|USDA|VA) 2 $200,000 $100,000 $1,727 2.87%
Granbury, TX (FHA|USDA|VA) 2 $200,000 $100,000 $1,644 3.49%
Bucyrus-Galion, OH (FHA|USDA|VA) 2 $200,000 $100,000 $1,569 3.49%
EAU CLAIRE, WI (FHA|USDA|VA) 1 $195,000 $195,000 $3,353 2.50%
SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) 1 $195,000 $195,000 $3,472 2.99%
Cambridge, MD (FHA|USDA|VA) 1 $195,000 $195,000 $3,351 2.75%
Marion, NC (FHA|USDA|VA) 2 $190,000 $95,000 $1,673 3.13%
Hastings, NE (FHA|USDA|VA) 2 $190,000 $95,000 $1,638 3.56%
WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 1 $185,000 $185,000 $3,128 2.75%
NAPA, CA (FHA|USDA|VA) 1 $185,000 $185,000 $3,158 2.25%
Clearlake, CA (FHA|USDA|VA) 1 $185,000 $185,000 $3,248 3.63%
Lebanon, NH-VT (FHA|USDA|VA) 1 $185,000 $185,000 $0 2.99%
Rochelle, IL (FHA|USDA|VA) 1 $185,000 $185,000 $3,126 3.25%
Oxford, MS (FHA|USDA|VA) 1 $185,000 $185,000 $3,261 2.75%
Augusta-Waterville, ME (FHA|USDA|VA) 1 $185,000 $185,000 $918 2.75%
Fremont, NE (FHA|USDA|VA) 1 $185,000 $185,000 $3,262 2.99%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,067 2.75%
Opelousas, LA (FHA|USDA|VA) 1 $175,000 $175,000 $3,071 2.99%
Willmar, MN (FHA|USDA|VA) 1 $175,000 $175,000 $0 2.25%
SAGINAW, MI (FHA|USDA|VA) 1 $175,000 $175,000 $2,962 2.75%
New Castle, IN (FHA|USDA|VA) 1 $175,000 $175,000 $3,097 2.99%
Manitowoc, WI (FHA|USDA|VA) 2 $170,000 $85,000 $0 3.37%
Richmond-Berea, KY (FHA|USDA|VA) 2 $170,000 $85,000 $1,396 3.49%
MIDLAND, MI (FHA|USDA|VA) 1 $165,000 $165,000 $2,872 2.99%
Indiana, PA (FHA|USDA|VA) 1 $165,000 $165,000 $2,834 2.99%
Gaffney, SC (FHA|USDA|VA) 1 $165,000 $165,000 $2,844 2.99%
Huntingdon, PA (FHA|USDA|VA) 1 $165,000 $165,000 $2,817 2.99%
Laurel, MS (FHA|USDA|VA) 1 $165,000 $165,000 $2,767 3.75%
Eureka-Arcata, CA (FHA|USDA|VA) 1 $165,000 $165,000 $2,766 3.50%
Riverton, WY (FHA|USDA|VA) 1 $165,000 $165,000 $2,901 2.99%
Aberdeen, SD (FHA|USDA|VA) 1 $165,000 $165,000 $2,827 3.50%
Paragould, AR (FHA|USDA|VA) 1 $165,000 $165,000 $2,913 3.25%
Faribault-Northfield, MN (FHA|USDA|VA) 1 $165,000 $165,000 $2,789 2.75%
Barre, VT (FHA|USDA|VA) 1 $165,000 $165,000 $2,853 2.99%
Holland, MI (FHA|USDA|VA) 1 $165,000 $165,000 $2,935 2.99%
Danville, VA (FHA|USDA|VA) 1 $165,000 $165,000 $2,847 2.75%
Weatherford, OK (FHA|USDA|VA) 1 $155,000 $155,000 $2,612 3.49%
PITTSFIELD, MA (FHA|USDA|VA) 1 $155,000 $155,000 $750 2.49%
Pottsville, PA (FHA|USDA|VA) 1 $155,000 $155,000 $5,064 1.88%
Grand Rapids, MN (FHA|USDA|VA) 1 $155,000 $155,000 $2,644 2.75%
Elk City, OK (FHA|USDA|VA) 1 $155,000 $155,000 $2,736 3.25%
Crawfordsville, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,648 2.75%
Urbana, OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,759 2.99%
Vidalia, GA (FHA|USDA|VA) 1 $155,000 $155,000 $2,591 3.49%
Beatrice, NE (FHA|USDA|VA) 1 $155,000 $155,000 $2,588 2.99%
Marinette, WI-MI (FHA|USDA|VA) 1 $145,000 $145,000 $2,470 2.75%
Roswell, NM (FHA|USDA|VA) 1 $145,000 $145,000 $2,556 2.99%
Berlin, NH (FHA|USDA|VA) 1 $145,000 $145,000 $2,553 3.99%
Grants, NM (FHA|USDA|VA) 1 $145,000 $145,000 $2,579 2.75%
Worthington, MN (FHA|USDA|VA) 1 $145,000 $145,000 $2,419 2.75%
Ellensburg, WA (FHA|USDA|VA) 1 $145,000 $145,000 $2,571 3.38%
Paducah, KY-IL (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.99%
REDDING, CA (FHA|USDA|VA) 1 $145,000 $145,000 $2,519 2.75%
LEWISTON, ID-WA (FHA|USDA|VA) 1 $145,000 $145,000 $2,434 3.25%
Zanesville, OH (FHA|USDA|VA) 1 $145,000 $145,000 $2,549 3.25%
Stevens Point, WI (FHA|USDA|VA) 1 $145,000 $145,000 $2,585 2.99%
Mount Pleasant, TX (FHA|USDA|VA) 1 $145,000 $145,000 $2,422 3.25%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $145,000 $145,000 $2,549 3.75%
Carroll, IA (FHA|USDA|VA) 1 $145,000 $145,000 $2,504 2.75%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $145,000 $145,000 $2,471 2.99%
Troy, AL (FHA|USDA|VA) 1 $145,000 $145,000 $2,536 2.99%
CLEVELAND, TN (FHA|USDA|VA) 1 $145,000 $145,000 $1,226 3.25%
Corinth, MS (FHA|USDA|VA) 1 $145,000 $145,000 $2,495 2.99%
BECKLEY, WV (FHA|USDA|VA) 1 $145,000 $145,000 $0 2.88%
Calhoun, GA (FHA|USDA|VA) 1 $135,000 $135,000 $2,272 2.99%
Wauchula, FL (FHA|USDA|VA) 1 $135,000 $135,000 $2,263 2.99%
Susanville, CA (FHA|USDA|VA) 1 $135,000 $135,000 $0 2.99%
BEND, OR (FHA|USDA|VA) 1 $135,000 $135,000 $2,377 2.99%
Pampa, TX (FHA|USDA|VA) 1 $135,000 $135,000 $2,359 2.99%
Sheridan, WY (FHA|USDA|VA) 1 $135,000 $135,000 $2,372 2.99%
Fergus Falls, MN (FHA|USDA|VA) 1 $135,000 $135,000 $1,388 3.75%
Scottsboro, AL (FHA|USDA|VA) 1 $125,000 $125,000 $2,231 2.99%
Orangeburg, SC (FHA|USDA|VA) 1 $125,000 $125,000 $2,082 2.75%
Muskogee, OK (FHA|USDA|VA) 1 $125,000 $125,000 $2,111 2.99%
Cornelia, GA (FHA|USDA|VA) 1 $125,000 $125,000 $2,225 3.38%
Dyersburg, TN (FHA|USDA|VA) 1 $125,000 $125,000 $2,144 3.63%
RACINE, WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,115 3.38%
Quincy, IL-MO (FHA|USDA|VA) 1 $125,000 $125,000 $2,197 2.99%
Ashland, OH (FHA|USDA|VA) 1 $125,000 $125,000 $2,224 2.99%
Huntington, IN (FHA|USDA|VA) 1 $115,000 $115,000 $1,933 3.25%
Rockingham, NC (FHA|USDA|VA) 1 $115,000 $115,000 $1,977 2.99%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $115,000 $115,000 $2,044 2.99%
LAS CRUCES, NM (FHA|USDA|VA) 1 $115,000 $115,000 $1,912 2.75%
Athens, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.99%
Clewiston, FL (FHA|USDA|VA) 1 $115,000 $115,000 $1,960 2.75%
CHARLESTON, WV (FHA|USDA|VA) 1 $115,000 $115,000 $2,052 2.88%
Centralia, IL (FHA|USDA|VA) 1 $115,000 $115,000 $2,056 3.25%
Ardmore, OK (FHA|USDA|VA) 1 $115,000 $115,000 $2,014 3.75%
WALLA WALLA, WA (FHA|USDA|VA) 1 $115,000 $115,000 $1,925 2.75%
Bonham, TX (FHA|USDA|VA) 1 $115,000 $115,000 $1,992 3.75%
Paris, TX (FHA|USDA|VA) 1 $115,000 $115,000 $1,936 3.75%
New Philadelphia-Dover, OH (FHA|USDA|VA) 1 $115,000 $115,000 $2,013 2.88%
Palestine, TX (FHA|USDA|VA) 1 $115,000 $115,000 $2,026 2.88%
Woodward, OK (FHA|USDA|VA) 1 $115,000 $115,000 $1,987 3.38%
Wooster, OH (FHA|USDA|VA) 1 $115,000 $115,000 $0 2.50%
Okeechobee, FL (FHA|USDA|VA) 1 $105,000 $105,000 $1,883 2.75%
Norwalk, OH (FHA|USDA|VA) 1 $105,000 $105,000 $1,753 3.88%
Moses Lake, WA (FHA|USDA|VA) 1 $105,000 $105,000 $1,813 3.75%
FOND DU LAC, WI (FHA|USDA|VA) 1 $105,000 $105,000 $1,746 4.38%
Waycross, GA (FHA|USDA|VA) 1 $105,000 $105,000 $1,800 2.99%
LYNCHBURG, VA (FHA|USDA|VA) 1 $105,000 $105,000 $1,841 2.99%
Jacksonville, TX (FHA|USDA|VA) 1 $105,000 $105,000 $1,802 2.75%
Coldwater, MI (FHA|USDA|VA) 1 $105,000 $105,000 $1,811 3.99%
Frankfort, KY (FHA|USDA|VA) 1 $105,000 $105,000 $1,885 3.38%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 1 $105,000 $105,000 $1,851 3.38%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $105,000 $105,000 $1,791 2.75%
WACO, TX (FHA|USDA|VA) 1 $105,000 $105,000 $1,778 2.99%
GADSDEN, AL (FHA|USDA|VA) 1 $105,000 $105,000 $1,729 2.75%
Peru, IN (FHA|USDA|VA) 1 $105,000 $105,000 $1,813 2.99%
St. Marys, GA (FHA|USDA|VA) 1 $105,000 $105,000 $1,863 2.99%
Logansport, IN (FHA|USDA|VA) 1 $95,000 $95,000 $1,559 3.38%
MONROE, MI (FHA|USDA|VA) 1 $95,000 $95,000 $1,659 2.99%
North Wilkesboro, NC (FHA|USDA|VA) 1 $95,000 $95,000 $1,630 4.25%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $95,000 $95,000 $1,630 3.38%
Brookhaven, MS (FHA|USDA|VA) 1 $95,000 $95,000 $1,618 3.38%
Somerset, KY (FHA|USDA|VA) 1 $95,000 $95,000 $444 2.50%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 1 $95,000 $95,000 $1,573 3.25%
New Castle, PA (FHA|USDA|VA) 1 $95,000 $95,000 $1,597 2.75%
Seymour, IN (FHA|USDA|VA) 1 $95,000 $95,000 $1,591 3.25%
North Vernon, IN (FHA|USDA|VA) 1 $95,000 $95,000 $1,576 3.38%
DALTON, GA (FHA|USDA|VA) 1 $95,000 $95,000 $1,558 2.99%
Milledgeville, GA (FHA|USDA|VA) 1 $95,000 $95,000 $1,642 3.63%
Scottsburg, IN (FHA|USDA|VA) 1 $85,000 $85,000 $1,557 3.38%
Alamogordo, NM (FHA|USDA|VA) 1 $85,000 $85,000 $1,464 2.99%
WICHITA FALLS, TX (FHA|USDA|VA) 1 $85,000 $85,000 $1,440 3.99%
Frankfort, IN (FHA|USDA|VA) 1 $85,000 $85,000 $1,400 2.75%
Sandusky, OH (FHA|USDA|VA) 1 $85,000 $85,000 $1,394 3.38%
BAY CITY, MI (FHA|USDA|VA) 1 $85,000 $85,000 $1,509 2.75%
CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) 1 $85,000 $85,000 $1,544 2.99%
Thomaston, GA (FHA|USDA|VA) 1 $85,000 $85,000 $1,416 2.99%
Statesboro, GA (FHA|USDA|VA) 1 $85,000 $85,000 $410 2.99%
Dodge City, KS (FHA|USDA|VA) 1 $85,000 $85,000 $1,454 2.99%
Coshocton, OH (FHA|USDA|VA) 1 $85,000 $85,000 $1,388 2.99%
Georgetown, SC (FHA|USDA|VA) 1 $75,000 $75,000 $1,387 3.63%
Gallup, NM (FHA|USDA|VA) 1 $75,000 $75,000 $1,352 2.75%
Dixon, IL (FHA|USDA|VA) 1 $75,000 $75,000 $1,348 2.99%
Toccoa, GA (FHA|USDA|VA) 1 $65,000 $65,000 $1,200 2.75%
Oceanside Mortgage Company's top markets include New York, Atlanta, Dallas, Washington, and Houston 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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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    FHA 3,814 $719,630,000 $188,681 $3,264 3.00%
    VA 498 $114,340,000 $229,598 $1,118 2.80%
    Conventional 274 $62,530,000 $228,212 $1,986 2.99%
    USDA 5 $895,000 $179,000 $2,810 3.27%

    For 2020, Oceanside Mortgage Company's most frequently originated type of loan was FHA, with 3,814 originations. Their 2nd most popular type was VA, with 498 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 4,533 $883,865,000 $194,985 $3,049 2.98%
    Cash Out Refi 40 $9,190,000 $229,750 $2,465 3.32%
    Home Purchase 18 $4,340,000 $241,111 $5,093 2.97%

    For 2020, Oceanside Mortgage Company's most frequently cited loan purpose was Refi, with 4,533 originations. The 2nd most popular reason was Cash Out Refi, with 40 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,908 $774,200,000 $198,106 $3,120 3.00%
    Other 501 $91,555,000 $182,745 $2,826 2.86%
    20 Year 105 $18,875,000 $179,762 $2,335 2.93%
    15 Year 75 $12,455,000 $166,067 $1,986 2.74%
    10 Year 2 $310,000 $155,000 $2,036 2.38%

    For 2020, Oceanside Mortgage Company's most frequently cited loan duration was 30 Year, with 3,908 originations. The 2nd most popular length was Other, with 501 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 155 $33,975,000 $219,194
    $1k-2k 5 $995,000 $199,000
    $3k-4k 3 $815,000 $271,667
    $2k-3k 2 $530,000 $265,000
    $5k+ 2 $1,000,000 $500,000
    $4k-5k 1 $465,000 $465,000

    Oceanside Mortgage Company's average total fees were $3,120, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 155 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 2,732 $533,100,000 $195,132
    3-4% 1,322 $236,210,000 $178,676
    <2.5% 497 $121,325,000 $244,115
    4-5% 39 $6,415,000 $164,487
    5-6% 1 $345,000 $345,000

    During 2020, Oceanside Mortgage Company's average interest rate for loans was 3.00%, while their most frequently originated rate bucket for loans was 2.5-3%, with 2,732 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 2,563 $379,955,000 $148,246 $2,416 3.01%
    $200k-400k 1,559 $411,045,000 $263,659 $4,098 2.90%
    $100,000 or less 312 $27,230,000 $87,276 $1,471 3.17%
    $400k-600k 134 $63,730,000 $475,597 $6,527 2.82%
    $600k-1MM 23 $15,435,000 $671,087 $7,887 2.79%

    2020 saw Oceanside Mortgage Company place emphasis on $100k-200k loans with 2,563 originations, totaling $379,955,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 168 $29,970,000 $178,393 $2,702 3.08%
    $50k-75k 81 $13,465,000 $166,235 $2,150 3.11%
    $75k-100k 80 $17,360,000 $217,000 $2,423 3.06%
    $100k-150k 74 $18,380,000 $248,378 $2,765 2.99%
    $150k-250k 45 $15,175,000 $337,222 $2,904 2.98%
    $250k+ 15 $6,145,000 $409,667 $2,338 2.81%

    Oceanside Mortgage Company lent most frequently to those with incomes in the $50k or less range, with 168 originations. The second most popular income band? $50k-75k, with 81 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    <20% 4,267 $827,705,000 $193,978 $3,099 2.97%
    20-30% 109 $23,705,000 $217,477 $2,471 3.07%
    30-36% 68 $14,770,000 $217,206 $2,429 3.07%
    39% 21 $4,525,000 $215,476 $1,914 3.30%
    40% 18 $3,760,000 $208,889 $2,370 3.12%
    36% 13 $2,475,000 $190,385 $2,287 3.16%
    42% 12 $2,370,000 $197,500 $1,990 3.55%
    41% 11 $1,805,000 $164,091 $2,786 3.36%
    46% 9 $2,385,000 $265,000 $3,610 2.94%
    43% 8 $1,670,000 $208,750 $3,232 3.23%
    44% 8 $2,050,000 $256,250 $3,244 3.00%
    38% 8 $1,960,000 $245,000 $2,381 2.80%
    37% 8 $1,310,000 $163,750 $1,411 3.38%
    49% 7 $1,345,000 $192,143 $1,794 3.05%
    48% 6 $1,140,000 $190,000 $2,736 2.77%
    >60% 6 $1,700,000 $283,333 $3,718 2.79%
    50-60% 5 $1,225,000 $245,000 $3,338 2.90%
    45% 4 $880,000 $220,000 $1,817 3.16%
    47% 3 $615,000 $205,000 $1,767 2.54%

    Oceanside Mortgage Company lent most frequently to those with DTI ratios of <20%, with 4,267 originations. The next most common DTI ratio? 20-30%, with 109 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not provided 4,467 $872,785,000 $195,385 $3,054 2.98%
    White 116 $22,980,000 $198,103 $2,940 2.99%
    Black 8 $1,630,000 $203,750 $3,308 3.19%

    Approval Rates

    Total approvals of all applications
    98.58%

    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 origination
    89.63%

    Oceanside Mortgage Company has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 4,591 $897,395,000 $195,468

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 234 $32,370,000 $138,333
    Single Family (1-4 Units):Site-Built 4,357 $865,025,000 $198,537

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 17 $2,155,000 $126,765 $1,559 2.78%
    40-60% 110 $21,580,000 $196,182 $1,718 2.91%
    60-80% 456 $90,500,000 $198,465 $2,435 2.90%
    80-100% 3,965 $771,695,000 $194,627 $3,161 2.99%
    Over 100% 43 $11,465,000 $266,628 $2,917 2.89%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    OCEANSIDE MORTGAGE COMPANY FHA mortgage Struggling to pay mortgage 2 50.0%
    OCEANSIDE MORTGAGE COMPANY FHA mortgage Trouble during payment process 2 50.0%