# OCEANSIDE MORTGAGE COMPANY

> **Canonical URL:** https://saferate.com/lenders/oceanside-mortgage

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

OCEANSIDE MORTGAGE COMPANY is a independent mortgage company, headquartered in Toms River, NJ, serving borrowers across 25 states, with 144 loans originated in the most recent reporting period.

**At a Glance:**
- **Approval Rate:** Ranks in the top 66% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493004R423PBPM6A173
- **Headquarters:** Toms River, NJ
- **Geographic Reach:** Near-National
- **States Served:** 25
- **State List:** 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
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pull Through: Acceptable 🙂
- Score: 34/100
- Rating: ●●○○○ (2/5)


### Lending Volume
- **Total Loans:** 144
- **Dollar Volume:** $42 million
- **Applications Received:** 231
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $288,819
- **Average Borrower Income:** $123,528

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 25/100 | 47 | - | - | Acceptable 🙂 |
| FHA | 45/100 | 77 | +0.000% | $0 | Sound ☺️ |
| VA | 41/100 | 20 | - | - | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 35 loans, Score: 23/100 (Acceptable)

**FHA:**
- Purchase: 42 loans, Score: 42/100 (Sound)
- Refinance: 35 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 28/100 | 96 | $30M | - | Acceptable 🙂 |
| Refinance | 38/100 | 48 | $12M | +0.000% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 18 | 0.01% | 44/100 |
| NJ | 16 | 0.02% | 48/100 |
| TX | 16 | 0.00% | 43/100 |
| PA | 10 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 17 | 32/100 |
| Lakewood | NJ | 11 | 45/100 |

## Frequently Asked Questions

### 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 and performance characteristics based on HMDA data analysis.

### 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 non-depository lender that specializes in mortgage origination, headquartered in Toms River, NJ.

### What is OCEANSIDE MORTGAGE COMPANY's loan approval success rate?

OCEANSIDE MORTGAGE COMPANY has a pull-through score of 34/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/oceanside-mortgage

### How to Cite

> "OCEANSIDE MORTGAGE COMPANY Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/oceanside-mortgage

---

**[View Interactive Profile →](https://saferate.com/lenders/oceanside-mortgage)**