What loan types does Oceanside Mortgage Company offer?

Oceanside Mortgage Company offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does Oceanside Mortgage Company offer mortgages?

Oceanside Mortgage Company offers mortgages in 25 states: AL, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KY, LA, MA, MN, MT, NC, NJ, OH, OK, PA, SC, TN, TX, VA, WI.

What type of lender is Oceanside Mortgage Company?

Oceanside Mortgage Company is a Independent Mortgage Company headquartered in Toms River, NJ.

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Oceanside Mortgage Company

Independent Mortgage Company•Toms River, NJHQ•Direct•Reviews near you on Google

Oceanside Mortgage Company has 144 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pull-through

Acceptable

2/5

closing strength

Product

Sound

3/5

FHA · Conventional · VA

Place

Sound

3/5

Near-National · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Nationwide availability with consistent service

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Oceanside Mortgage Company performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

No peer data

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

47 loans

Acceptable

Bottom 40% of lenders

2/5

FHA

77 loans · 0.00% below market

Sound

Top 60% of lenders

3/5

20 loans

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

96 loans

Acceptable

Bottom 40% of lenders

2/5

Refinance

48 loans · 0.00% below market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Near-National · 2 markets

Acceptable

Bottom 40% of lenders

2/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	—	Acceptable	47	32.6%	—	—
FHA Loans	Acceptable	Sound	—	Acceptable	77	53.5%	+0.000%Above	$0Fees
VA Loans	Acceptable	Sound	—	Acceptable	20	13.9%	—	—

Conventional

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume47

Mix32.6%

Spread—

Fees—

FHA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume77

Mix53.5%

Spread

+0.000%Above

Fees

$0Fees

VA Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume20

Mix13.9%

Spread—

Fees—

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	—	Acceptable	96	66.7%	—	—
Refinance	Acceptable	Acceptable	—	Acceptable	48	33.3%	+0.000%Above	$0Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume96

Mix66.7%

Spread—

Fees—

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume48

Mix33.3%

Spread

+0.000%Above

Fees

$0Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

144

Applications

231

Volume

$41 million

Pricing & Closing

Pullthrough Rate

62.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$288,819

Avg Borrower Income

$123,528

Avg Property Value

$361,667

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

25Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast4

CTMANJPA

Midwest5

ILINMNOHWI

South12

ALDEFLGAKYLANCOKSCTNTXVA

West4

AZCACOMT

Top Metro Areas by Place Specialization Score

Lakewood, NJMetro

Volume 11Mix 7.64% of portfolio

45/100

Sound

Top States by Place Specialization Score

New JerseyState

Volume 16Mix 11.11% of portfolio

48/100

Sound

FloridaState

Volume 18Mix 12.50% of portfolio

44/100

Sound

TexasState

Volume 16Mix 11.11% of portfolio

43/100

Sound

PennsylvaniaState

Volume 10Mix 6.94% of portfolio

41/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.