OceanFirst Bank in Texas vs the state
5.4%Denial rate-14.02 pts vs state
5.7%Decision denial rate-19.19 pts vs state
70.3%Origination rate+15.39 pts vs state
6.44%Median rate-0.06 pts vs state
-0.10Rate spread (pts)-0.29 pts vs state
$165kMedian applicant income
26Loans originated
2Denied
What OceanFirst Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most OceanFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 10 | 7 | 0 | 0.0% |
| Collin County | 4 | 3 | 0 | 0.0% |
| Tarrant County | 4 | 3 | 0 | 0.0% |
| Dallas County | 2 | 2 | 0 | 0.0% |
| El Paso County | 2 | 2 | 0 | 0.0% |
| Kaufman County | 1 | 1 | 0 | 0.0% |
| Williamson County | 1 | 0 | 1 | 100.0% |
| Comal County | 1 | 0 | 0 | 0.0% |
| Uvalde County | 1 | 0 | 1 | 100.0% |
| Travis County | 1 | 1 | 0 | 0.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 37 applications in 2025, of which 26 were originated and 2 denied.
5.4% of all applications, or 5.7% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans OceanFirst Bank originated in Texas in 2025 was 6.44%, against a statewide median of 6.50%.
About this data. Figures are OceanFirst Bank's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology