OceanFirst Bank in North Carolina vs the state
0.0%Denial rate-18.06 pts vs state
0.0%Decision denial rate-22.82 pts vs state
77.3%Origination rate+19.46 pts vs state
6.38%Median rate-0.13 pts vs state
-0.07Rate spread (pts)-0.16 pts vs state
$125kMedian applicant income
17Loans originated
0Denied
What OceanFirst Bank lends in North Carolina
By loan purpose
By loan type
Where in North Carolina
Counties with the most OceanFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Guilford County | 3 | 3 | 0 | 0.0% |
| Wake County | 3 | 3 | 0 | 0.0% |
| Wayne County | 3 | 2 | 0 | 0.0% |
| Cabarrus County | 2 | 0 | 0 | 0.0% |
| Mecklenburg County | 2 | 1 | 0 | 0.0% |
| New Hanover County | 2 | 1 | 0 | 0.0% |
| Dare County | 2 | 2 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Scotland County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 22 applications in 2025, of which 17 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans OceanFirst Bank originated in North Carolina in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are OceanFirst Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology