Oceanside Mortgage Company mortgage approval rate & lending review
Oceanside Mortgage Company decided 693 mortgage applications and funded 634 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Oceanside Mortgage Company reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Oceanside Mortgage Company at a glance
Approval is 14.4 points above the 77.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 98 / 108 | 100% | $275K | 98 |
| Cash-out refinance | 84% | 98 / 117 | 100% | $195K | 98 |
| Refinance | 94% | 419 / 447 | 100% | $225K | 419 |
Oceanside Mortgage Company lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 89% | $285K | 76 | 68 |
| Texas | 86% | $255K | 76 | 65 |
| Ohio | 92% | $135K | 65 | 60 |
| New Jersey | 93% | $285K | 61 | 57 |
| Indiana | 88% | $185K | 43 | 38 |
| Illinois | 100% | $225K | 33 | 33 |
| Georgia | 90% | $255K | 30 | 27 |
| Michigan | 100% | $185K | 27 | 27 |
| Pennsylvania | 96% | $135K | 27 | 26 |
| North Carolina | 92% | $195K | 24 | 22 |
| Tennessee | 86% | $235K | 21 | 18 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Questions about Oceanside Mortgage Company
What is Oceanside Mortgage Company's mortgage approval rate?
Oceanside Mortgage Company approved 91.5% of the 693 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.4 points above the 77.0% national rate for the same mix of loan types.
How often do borrowers take the loan Oceanside Mortgage Company offers?
Borrowers accepted 100% of the loans Oceanside Mortgage Company approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Oceanside Mortgage Company make?
The typical mortgage refinance loan Oceanside Mortgage Company made was $225K; across all loan types its typical loan ran from $195K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Oceanside Mortgage Company lend?
Oceanside Mortgage Company decided applications in 38 of the states Fat Boy Data covers, most of them in Florida, Texas and Ohio.
Can I apply to Oceanside Mortgage Company directly?
Yes. Oceanside Mortgage Company reports as a direct lender that takes applications from borrowers.
Does this page show Oceanside Mortgage Company's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Oceanside Mortgage Company treats applications, then get a rate quote from the lender.