OceanFirst Bank in Pennsylvania vs the state
6.0%Denial rate-12.33 pts vs state
6.3%Decision denial rate-15.96 pts vs state
78.3%Origination rate+17.36 pts vs state
6.25%Median rate-0.38 pts vs state
-0.18Rate spread (pts)-0.42 pts vs state
$120kMedian applicant income
289Loans originated
22Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 47 | 15.0% | 6.75% | #446 |
| 2024 | 209 | 171 | 6.7% | 6.00% | #263 |
| 2025 | 369 | 289 | 6.0% | 6.25% | #205 |
What OceanFirst Bank lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most OceanFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 222 | 175 | 14 | 6.3% |
| Montgomery County | 34 | 28 | 1 | 2.9% |
| Bucks County | 26 | 16 | 4 | 15.4% |
| Delaware County | 21 | 16 | 1 | 4.8% |
| Chester County | 16 | 14 | 0 | 0.0% |
| Allegheny County | 7 | 5 | 0 | 0.0% |
| Monroe County | 6 | 6 | 0 | 0.0% |
| Lehigh County | 5 | 4 | 0 | 0.0% |
| Franklin County | 4 | 2 | 0 | 0.0% |
| Carbon County | 4 | 3 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 369 applications in 2025, of which 289 were originated and 22 denied.
6.0% of all applications, or 6.3% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans OceanFirst Bank originated in Pennsylvania in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are OceanFirst Bank's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology