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OCEANSIDE MORTGAGE COMPANY
Independent Mortgage Company|Toms River, NJ|Near-National
Loans Originated
144
Applications
231
Volume
$41 million
Offers loans directly to consumers
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Pullthrough Rate
62.3%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Nationwide availability with consistent service
Things to Think About
- Pull through efficiency is below industry average
Report Card
OCEANSIDE MORTGAGE COMPANY performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | N/A | No data available | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Acceptable | Near industry average | |
FHA | Sound | Industry Standard | |
VA | Sound | Industry Standard | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Acceptable | Near-National · 2 metro areas · 25 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$288,819
Average Borrower Income
$123,528
Average Property Value
$361,667
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Acceptable | Acceptable | N/A | Acceptable | 47 | 32.6% | — | — |
FHA Loans | Acceptable | Sound | N/A | Acceptable | 77 | 53.5% | +0.000% | $0 |
VA Loans | Acceptable | Sound | N/A | Acceptable | 20 | 13.9% | — | — |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | N/A | Acceptable | 96 | 66.7% | — | — |
Refinance | Acceptable | Acceptable | N/A | Acceptable | 48 | 33.3% | +0.000% | $0 |
Geographic Coverage
Metro Areas
1
States Served
25
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALAZCACOCTDEFLGAILINKYLAMAMNMTNCNJOHOKPASCTNTXVAWI
Top Metro Areas by Place Specialization Score
1
Lakewood, NJMSA
Volume: 11Mix: 7.64%
Place Specialization
Sound
Top States by Place Specialization Score
1
NJState
Volume: 16Mix: 11.11%
Place Specialization
Sound
2
FLState
Volume: 18Mix: 12.50%
Place Specialization
Sound
3
TXState
Volume: 16Mix: 11.11%
Place Specialization
Sound
4
PAState
Volume: 10Mix: 6.94%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 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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