OceanFirst Bank in Florida vs the state
12.3%Denial rate-8.75 pts vs state
13.3%Decision denial rate-13.91 pts vs state
64.6%Origination rate+11.93 pts vs state
6.63%Median rate0.00 pts vs state
0.08Rate spread (pts)-0.19 pts vs state
$172kMedian applicant income
42Loans originated
8Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 14 | 17.4% | 6.75% | #793 |
| 2024 | 52 | 32 | 5.8% | 6.19% | #591 |
| 2025 | 65 | 42 | 12.3% | 6.63% | #562 |
What OceanFirst Bank lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most OceanFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Orange County | 14 | 6 | 5 | 35.7% |
| Volusia County | 9 | 6 | 2 | 22.2% |
| Palm Beach County | 7 | 6 | 0 | 0.0% |
| Seminole County | 6 | 4 | 0 | 0.0% |
| Lee County | 5 | 3 | 0 | 0.0% |
| Collier County | 3 | 2 | 0 | 0.0% |
| Sarasota County | 3 | 2 | 0 | 0.0% |
| Miami-Dade County | 3 | 1 | 1 | 33.3% |
| Pinellas County | 2 | 2 | 0 | 0.0% |
| Osceola County | 2 | 2 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 65 applications in 2025, of which 42 were originated and 8 denied.
12.3% of all applications, or 13.3% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans OceanFirst Bank originated in Florida in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are OceanFirst Bank's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology