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, Dallas, Houston, and Chicago among others. We have data for 396 markets. (Some data included below & more in-depth data is available with an active subscription.)Oceanside Mortgage Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Oceanside Mortgage Company is typically 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% | 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
2,091Origination Dollar Volume (All Markets)
$394,065,000Awards
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OCEANSIDE MORTGAGE COMPANY - 2021
OCEANSIDE MORTGAGE COMPANY is a 2021 , due to their low .
For 2021, 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) | 99 | $27,715,000 | $279,949 | $4,051 | 2.69% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 98 | $19,590,000 | $199,898 | $3,211 | 2.82% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 78 | $15,020,000 | $192,564 | $3,053 | 2.71% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 77 | $14,095,000 | $183,052 | $2,940 | 2.80% |
| Outside of Metro Areas | 93 | $13,475,000 | $144,892 | $2,241 | 2.94% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 59 | $11,575,000 | $196,186 | $3,273 | 2.78% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 32 | $9,850,000 | $307,813 | $4,695 | 2.77% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 42 | $8,790,000 | $209,286 | $3,816 | 2.85% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 49 | $8,295,000 | $169,286 | $2,569 | 2.83% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 24 | $8,060,000 | $335,833 | $5,365 | 2.80% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 35 | $7,635,000 | $218,143 | $3,625 | 2.81% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 32 | $7,150,000 | $223,438 | $3,687 | 2.78% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 33 | $6,245,000 | $189,242 | $3,073 | 2.92% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 28 | $5,130,000 | $183,214 | $2,901 | 2.69% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 23 | $4,835,000 | $210,217 | $3,564 | 2.86% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 15 | $4,545,000 | $303,000 | $3,553 | 3.06% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 15 | $4,185,000 | $279,000 | $4,164 | 2.71% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 28 | $3,840,000 | $137,143 | $2,325 | 2.91% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 21 | $3,815,000 | $181,667 | $2,907 | 2.82% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 14 | $3,720,000 | $265,714 | $3,838 | 2.96% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 20 | $3,630,000 | $181,500 | $3,129 | 2.66% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 15 | $3,245,000 | $216,333 | $3,219 | 2.80% |
| FORT WAYNE, IN (FHA|USDA|VA) | 21 | $3,235,000 | $154,048 | $2,037 | 2.78% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 14 | $3,000,000 | $214,286 | $3,524 | 2.81% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 7 | $2,975,000 | $425,000 | $5,959 | 2.50% |
| COLUMBUS, OH (FHA|USDA|VA) | 21 | $2,955,000 | $140,714 | $2,360 | 2.92% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 14 | $2,900,000 | $207,143 | $3,028 | 2.89% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 15 | $2,885,000 | $192,333 | $2,977 | 2.88% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 15 | $2,835,000 | $189,000 | $3,164 | 2.88% |
| RICHMOND, VA (FHA|USDA|VA) | 15 | $2,675,000 | $178,333 | $2,544 | 2.83% |
| PITTSBURGH, PA (FHA|USDA|VA) | 17 | $2,645,000 | $155,588 | $2,191 | 2.98% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 14 | $2,630,000 | $187,857 | $3,533 | 2.79% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $2,565,000 | $366,429 | $4,949 | 2.84% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 9 | $2,545,000 | $282,778 | $4,795 | 2.72% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 10 | $2,530,000 | $253,000 | $4,358 | 2.79% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 12 | $2,450,000 | $204,167 | $3,399 | 2.79% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 15 | $2,295,000 | $153,000 | $2,527 | 2.76% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 11 | $2,225,000 | $202,273 | $3,412 | 2.84% |
| DOVER, DE (FHA|USDA|VA) | 10 | $2,200,000 | $220,000 | $3,305 | 2.62% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 10 | $2,050,000 | $205,000 | $3,573 | 2.81% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 12 | $2,050,000 | $170,833 | $2,937 | 2.79% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 11 | $2,025,000 | $184,091 | $2,425 | 2.74% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 14 | $2,020,000 | $144,286 | $2,603 | 2.97% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 11 | $1,965,000 | $178,636 | $3,021 | 2.66% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 10 | $1,860,000 | $186,000 | $3,108 | 2.77% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 10 | $1,820,000 | $182,000 | $3,508 | 2.69% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 12 | $1,810,000 | $150,833 | $2,648 | 2.80% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 9 | $1,765,000 | $196,111 | $2,848 | 2.75% |
| LOUISVILLE, KY (FHA|USDA|VA) | 12 | $1,740,000 | $145,000 | $2,584 | 2.80% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $1,740,000 | $290,000 | $3,940 | 2.60% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 4 | $1,740,000 | $435,000 | $7,041 | 2.81% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 12 | $1,710,000 | $142,500 | $2,008 | 3.03% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 7 | $1,655,000 | $236,429 | $3,851 | 2.71% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 7 | $1,575,000 | $225,000 | $3,870 | 2.46% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 12 | $1,560,000 | $130,000 | $2,210 | 2.91% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 12 | $1,510,000 | $125,833 | $1,708 | 2.71% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 7 | $1,425,000 | $203,571 | $3,209 | 2.89% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 7 | $1,365,000 | $195,000 | $2,419 | 2.75% |
| ELKHART-GOSHEN, IN (FHA|USDA|VA) | 12 | $1,360,000 | $113,333 | $2,066 | 2.98% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 9 | $1,345,000 | $149,444 | $2,581 | 2.77% |
| Hobbs, NM (FHA|USDA|VA) | 6 | $1,320,000 | $220,000 | $3,779 | 3.17% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 7 | $1,305,000 | $186,429 | $2,154 | 2.96% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 8 | $1,280,000 | $160,000 | $2,483 | 2.79% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 6 | $1,280,000 | $213,333 | $2,884 | 2.89% |
| GREELEY, CO (FHA|USDA|VA) | 4 | $1,270,000 | $317,500 | $4,729 | 2.94% |
| COLUMBIA, SC (FHA|USDA|VA) | 9 | $1,205,000 | $133,889 | $2,311 | 2.89% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 8 | $1,170,000 | $146,250 | $2,615 | 2.86% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 9 | $1,165,000 | $129,444 | $1,538 | 2.89% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $6,123 | 3.00% |
| EL PASO, TX (FHA|USDA|VA) | 9 | $1,095,000 | $121,667 | $1,903 | 2.90% |
| ROANOKE, VA (FHA|USDA|VA) | 8 | $1,090,000 | $136,250 | $1,756 | 3.00% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 8 | $1,090,000 | $136,250 | $2,442 | 3.09% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $1,080,000 | $270,000 | $4,265 | 2.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 7 | $1,075,000 | $153,571 | $2,646 | 3.09% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 8 | $1,060,000 | $132,500 | $2,049 | 2.65% |
| TULSA, OK (FHA|USDA|VA) | 7 | $1,025,000 | $146,429 | $2,251 | 2.77% |
| BOISE CITY, ID (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $5,673 | 2.63% |
| WACO, TX (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $2,751 | 2.96% |
| VISALIA, CA (FHA|USDA|VA) | 5 | $945,000 | $189,000 | $2,698 | 2.68% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 6 | $940,000 | $156,667 | $2,969 | 3.02% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 7 | $935,000 | $133,571 | $2,216 | 3.00% |
| LAFAYETTE, LA (FHA|USDA|VA) | 6 | $930,000 | $155,000 | $2,296 | 2.83% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 6 | $930,000 | $155,000 | $2,371 | 3.04% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 5 | $915,000 | $183,000 | $3,103 | 2.70% |
| ODESSA, TX (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $3,072 | 2.87% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 6 | $880,000 | $146,667 | $2,976 | 2.79% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $3,040 | 2.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 6 | $850,000 | $141,667 | $2,161 | 2.87% |
| TOLEDO, OH (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $2,640 | 2.87% |
| BLOOMINGTON, IN (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $2,688 | 2.58% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $3,628 | 2.75% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 7 | $835,000 | $119,286 | $1,877 | 3.10% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $1,999 | 2.79% |
| OCALA, FL (FHA|USDA|VA) | 5 | $825,000 | $165,000 | $2,420 | 2.87% |
| AMARILLO, TX (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $2,283 | 3.27% |
| NILES, MI (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $2,293 | 2.72% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $2,129 | 3.05% |
| FRESNO, CA (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $2,471 | 2.70% |
| LONGVIEW, WA (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $4,819 | 2.58% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 6 | $770,000 | $128,333 | $1,880 | 3.10% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 6 | $730,000 | $121,667 | $2,036 | 2.94% |
| BATON ROUGE, LA (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $3,143 | 2.88% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 4 | $710,000 | $177,500 | $3,250 | 2.50% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $3,445 | 2.63% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $1,477 | 3.00% |
| MEDFORD, OR (FHA|USDA|VA) | 3 | $685,000 | $228,333 | $3,511 | 2.58% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 5 | $685,000 | $137,000 | $2,374 | 2.70% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $2,699 | 2.78% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $1,724 | 2.78% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $3,552 | 2.81% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $6,668 | 3.06% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $3,165 | 2.78% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $3,149 | 3.08% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $3,496 | 2.58% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $595,000 | $595,000 | $10,243 | 2.25% |
| LYNCHBURG, VA (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $2,502 | 2.71% |
| AKRON, OH (FHA|USDA|VA) | 5 | $595,000 | $119,000 | $2,666 | 2.65% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $10,055 | 2.25% |
| GRANTS PASS, OR (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $2,451 | 2.71% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $1,648 | 2.42% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $9,757 | 2.49% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $1,524 | 2.84% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $5,714 | 2.88% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $2,765 | 3.25% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $269 | 2.87% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $1,375 | 2.78% |
| Warsaw, IN (FHA|USDA|VA) | 4 | $540,000 | $135,000 | $1,480 | 2.87% |
| SPARTANBURG, SC (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $3,076 | 2.83% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $931 | 2.49% |
| KNOXVILLE, TN (FHA|USDA|VA) | 4 | $520,000 | $130,000 | $2,197 | 3.00% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $8,766 | 2.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $2,208 | 3.00% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,482 | 2.96% |
| BURLINGTON, NC (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,903 | 2.87% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,074 | 2.62% |
| Red Wing, MN (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,130 | 2.75% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 4 | $480,000 | $120,000 | $2,058 | 2.97% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $2,697 | 3.08% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $4,006 | 2.38% |
| Craig, CO (FHA|USDA|VA) | 3 | $465,000 | $155,000 | $2,025 | 2.50% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 4 | $460,000 | $115,000 | $2,023 | 3.06% |
| MONTGOMERY, AL (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $3,591 | 3.04% |
| TOPEKA, KS (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $2,315 | 3.04% |
| WALLA WALLA, WA (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $3,937 | 3.19% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 4 | $450,000 | $112,500 | $1,959 | 2.87% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $4,005 | 2.56% |
| LAS CRUCES, NM (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $3,743 | 2.75% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,522 | 3.08% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,476 | 2.74% |
| Key West, FL (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,190 | 1.75% |
| Opelousas, LA (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,104 | 2.87% |
| HATTIESBURG, MS (FHA|USDA|VA) | 3 | $435,000 | $145,000 | $2,470 | 2.45% |
| LAREDO, TX (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,662 | 2.69% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $3,629 | 2.50% |
| MOBILE, AL (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,432 | 2.66% |
| TUCSON, AZ (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,511 | 2.83% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,449 | 3.00% |
| FLINT, MI (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,510 | 2.50% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 3 | $425,000 | $141,667 | $2,102 | 2.79% |
| BEND, OR (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,660 | 2.37% |
| TWIN FALLS, ID (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,589 | 2.81% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $1,618 | 2.75% |
| Del Rio, TX (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,327 | 3.00% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $1,237 | 2.67% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,376 | 2.79% |
| HARRISONBURG, VA (FHA|USDA|VA) | 3 | $405,000 | $135,000 | $2,283 | 3.12% |
| DECATUR, AL (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,494 | 2.81% |
| Lebanon, NH-VT (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,721 | 2.62% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $8,955 | 3.99% |
| SANTA FE, NM (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,113 | 2.63% |
| TYLER, TX (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $1,836 | 2.81% |
| Concord, NH (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,416 | 3.25% |
| READING, PA (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $3,199 | 3.42% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,223 | 2.68% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $8,510 | 4.38% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,209 | 2.75% |
| Cadillac, MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $3,808 | 2.88% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $6,354 | 2.49% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,815 | 2.25% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $3,035 | 2.49% |
| SUMTER, SC (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $2,003 | 2.88% |
| Edwards, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $1,757 | 3.50% |
| Torrington, CT (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,618 | 2.75% |
| Brainerd, MN (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $581 | 2.50% |
| Kendallville, IN (FHA|USDA|VA) | 3 | $335,000 | $111,667 | $1,441 | 3.08% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,861 | 2.81% |
| HAMMOND, LA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $2,819 | 2.50% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 3 | $325,000 | $108,333 | $2,148 | 3.04% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,812 | 2.68% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,781 | 2.50% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,749 | 2.50% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $2,802 | 2.62% |
| JACKSON, MS (FHA|USDA|VA) | 3 | $315,000 | $105,000 | $1,623 | 2.62% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $3,096 | 2.50% |
| LEWISTON-AUBURN, ME (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,649 | 2.68% |
| Scottsboro, AL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $2,630 | 2.75% |
| Shawano, WI (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,185 | 2.49% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,389 | 2.75% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,121 | 2.94% |
| ROCKFORD, IL (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,572 | 2.62% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,190 | 2.88% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,566 | 2.62% |
| RACINE, WI (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $2,451 | 2.75% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $4,900 | 3.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,383 | 3.00% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,456 | 3.06% |
| Urbana, OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,473 | 2.62% |
| Prineville, OR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,811 | 2.99% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,308 | 2.50% |
| Seneca, SC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,269 | 2.87% |
| Holland, MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,293 | 2.75% |
| SAGINAW, MI (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,299 | 2.94% |
| PUEBLO, CO (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,378 | 2.74% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 2.25% |
| Adrian, MI (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,594 | 2.75% |
| Cambridge, MD (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,592 | 3.75% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $4,525 | 2.99% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,221 | 3.06% |
| JACKSON, MI (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $2,239 | 2.87% |
| Centralia, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,427 | 2.99% |
| Oak Harbor, WA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,585 | 3.00% |
| Mount Airy, NC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $1,598 | 3.06% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,271 | 2.25% |
| REDDING, CA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,160 | 2.75% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,163 | 2.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,220 | 2.25% |
| Port Angeles, WA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,213 | 2.75% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,348 | 3.75% |
| Athens, TN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,277 | 3.25% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $1,637 | 2.69% |
| Bedford, IN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $591 | 2.75% |
| Orangeburg, SC (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,068 | 2.38% |
| Dyersburg, TN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,124 | 3.00% |
| MANSFIELD, OH (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,026 | 2.93% |
| MONROE, LA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $2,113 | 2.75% |
| Centralia, IL (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $1,978 | 2.81% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,988 | 2.75% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,111 | 2.25% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,170 | 2.25% |
| MUNCIE, IN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $2,183 | 3.06% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $903 | 3.19% |
| LAWRENCE, KS (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,887 | 2.49% |
| Carlsbad-Artesia, NM (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,944 | 2.99% |
| Beeville, TX (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $1,858 | 2.93% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,753 | 2.49% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.25% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,749 | 2.25% |
| Shawnee, OK (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 2.75% |
| ABILENE, TX (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,785 | 2.25% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $1,821 | 2.74% |
| KENNEWICK-RICHLAND, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,579 | 2.75% |
| Plymouth, IN (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,116 | 3.50% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,570 | 2.99% |
| Dumas, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,486 | 2.75% |
| Palatka, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,495 | 2.49% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,152 | 3.25% |
| BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,763 | 2.81% |
| Marietta, OH (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $1,760 | 2.56% |
| Weatherford, OK (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,406 | 2.75% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,325 | 3.25% |
| ALTOONA, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,259 | 2.49% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,383 | 2.49% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $984 | 2.25% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,297 | 3.25% |
| JONESBORO, AR (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $1,665 | 2.87% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,228 | 2.49% |
| Lexington, NE (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,150 | 2.75% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,866 | 3.00% |
| Lufkin, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,172 | 2.75% |
| Hermiston-Pendleton, OR (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,116 | 2.49% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,159 | 3.00% |
| Hillsdale, MI (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $1,558 | 3.13% |
| MADERA, CA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 2.75% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,997 | 3.13% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,953 | 2.25% |
| Brookings, SD (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,091 | 3.75% |
| WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,768 | 3.00% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,058 | 2.75% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,005 | 2.88% |
| Indiana, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,830 | 2.49% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,807 | 2.49% |
| Barre, VT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,870 | 2.49% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,864 | 2.25% |
| MIDLAND, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,863 | 2.49% |
| Safford, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $962 | 3.13% |
| Danville, KY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,784 | 2.49% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,766 | 2.75% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,622 | 3.00% |
| BANGOR, ME (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,685 | 2.99% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,556 | 2.75% |
| RAPID CITY, SD (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,623 | 2.75% |
| Lake City, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,622 | 4.25% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,048 | 3.25% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,683 | 2.49% |
| Atmore, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,622 | 2.75% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,714 | 2.75% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,681 | 2.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,745 | 3.25% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,904 | 2.75% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,548 | 3.00% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,710 | 3.50% |
| Carroll, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,519 | 2.25% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,480 | 2.49% |
| DALTON, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,449 | 2.88% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,422 | 2.88% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,465 | 2.88% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,530 | 2.75% |
| Marinette, WI-MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,447 | 2.25% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,572 | 2.49% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 2.49% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 2.88% |
| CASPER, WY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,507 | 2.88% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,486 | 2.88% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,325 | 3.13% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,608 | 3.88% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 2.88% |
| Faribault-Northfield, MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,376 | 2.88% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,245 | 2.88% |
| Norfolk, NE (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,398 | 3.13% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,489 | 2.88% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,319 | 2.25% |
| Connersville, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,369 | 3.38% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,261 | 2.75% |
| Scottsbluff, NE (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,331 | 2.99% |
| BECKLEY, WV (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,396 | 3.13% |
| Sheridan, WY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,364 | 2.49% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,256 | 2.49% |
| Angola, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,167 | 2.88% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,822 | 3.25% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,169 | 2.75% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,165 | 2.88% |
| ERIE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 3.13% |
| Union City, TN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $635 | 2.75% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,267 | 2.88% |
| LEBANON, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,820 | 2.75% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,219 | 3.13% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,187 | 2.49% |
| Blytheville, AR (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,165 | 3.00% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,180 | 2.75% |
| Ardmore, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,030 | 2.88% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,161 | 2.99% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,909 | 2.49% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,954 | 2.88% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,198 | 2.99% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,949 | 2.88% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,967 | 2.75% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,026 | 3.75% |
| Athens, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 2.49% |
| WHEELING, WV-OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,064 | 2.75% |
| MANKATO, MN (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,336 | 2.88% |
| Zanesville, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,975 | 2.75% |
| Woodward, OK (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,973 | 2.88% |
| Big Stone Gap, VA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,768 | 2.88% |
| Lock Haven, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,858 | 2.88% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,864 | 2.75% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.75% |
| Granbury, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.49% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,099 | 3.13% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,866 | 2.88% |
| FOND DU LAC, WI (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,742 | 2.99% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $512 | 2.88% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,852 | 2.88% |
| CARBONDALE-MARION, IL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,855 | 2.88% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,868 | 2.88% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.25% |
| Austin, MN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,810 | 3.25% |
| Ashtabula, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 2.75% |
| Ashland, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,827 | 2.99% |
| Waycross, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,804 | 2.49% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,885 | 3.13% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,848 | 2.75% |
| Troy, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,652 | 2.75% |
| Laconia, NH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,642 | 2.99% |
| Milledgeville, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,649 | 3.13% |
| Sandusky, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,629 | 2.75% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,653 | 2.49% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,614 | 2.75% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,577 | 2.75% |
| BAY CITY, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,681 | 2.99% |
| Berlin, NH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,621 | 2.99% |
| New Castle, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,607 | 2.25% |
| Dublin, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,652 | 2.75% |
| AMES, IA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,679 | 2.99% |
| Sterling, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,514 | 2.88% |
| Show Low, AZ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,539 | 2.99% |
| Scottsburg, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,547 | 2.88% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 2.75% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,731 | 2.99% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,450 | 1.88% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,472 | 2.49% |
| Hastings, NE (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,525 | 2.88% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,442 | 2.99% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,388 | 2.99% |
| Arcadia, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,346 | 2.99% |
| Dixon, IL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,334 | 2.49% |
| Gallup, NM (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,354 | 2.25% |
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Product Mix
For 2021, Oceanside Mortgage Company's most frequently originated type of loan was FHA, with 1,561 originations. Their 2nd most popular type was Conventional, with 314 originations.
Loan Reason
For 2021, Oceanside Mortgage Company's most frequently cited loan purpose was Refi, with 1,936 originations. The 2nd most popular reason was Cash Out Refi, with 132 originations.
Loan Duration/Length
For 2021, Oceanside Mortgage Company's most frequently cited loan duration was 30 Year, with 1,714 originations. The 2nd most popular length was Other, with 249 originations.
Origination Fees/Closing Costs
Oceanside Mortgage Company's average total fees were $3,082, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 687 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 1,114 | $196,800,000 | $176,661 |
| <2.5% | 565 | $120,435,000 | $213,159 |
| 3-4% | 396 | $74,060,000 | $187,020 |
| 4-5% | 16 | $2,770,000 | $173,125 |
During 2021, Oceanside Mortgage Company's average interest rate for loans was 2.84%, while their most frequently originated rate bucket for loans was 2.5-3%, with 1,114 originations.
Loan Sizing
2021 saw Oceanside Mortgage Company place emphasis on $100k-200k loans with 1,207 originations, totaling $178,055,000 in origination value.
Applicant Income
Oceanside Mortgage Company lent most frequently to those with incomes in the $50k or less range, with 474 originations. The second most popular income band? $50k-75k, with 171 originations.
Applicant Debt to Income Ratio
Oceanside Mortgage Company lent most frequently to those with DTI ratios of <20%, with 1,673 originations. The next most common DTI ratio? 20-30%, with 103 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.12%
Oceanside Mortgage Company has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination77.86%
Oceanside Mortgage Company has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,091 | $394,065,000 | $188,458 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| OCEANSIDE MORTGAGE COMPANY | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 10.0% |
| OCEANSIDE MORTGAGE COMPANY | FHA mortgage | Problem with a credit reporting company's investigation into an existing problem | 1 | 10.0% |
| OCEANSIDE MORTGAGE COMPANY | FHA mortgage | Struggling to pay mortgage | 1 | 10.0% |
| OCEANSIDE MORTGAGE COMPANY | FHA mortgage | Trouble during payment process | 7 | 70.0% |