OceanFirst Bank in Virginia vs the state
6.1%Denial rate-9.82 pts vs state
6.8%Decision denial rate-13.43 pts vs state
71.4%Origination rate+11.91 pts vs state
6.50%Median rate-0.13 pts vs state
0.00Rate spread (pts)-0.22 pts vs state
$177kMedian applicant income
35Loans originated
3Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 45 | 42 | 4.4% | 6.50% | #380 |
| 2025 | 49 | 35 | 6.1% | 6.50% | #381 |
What OceanFirst Bank lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most OceanFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 12 | 7 | 1 | 8.3% |
| Prince William County | 7 | 7 | 0 | 0.0% |
| Arlington County | 6 | 3 | 1 | 16.7% |
| Alexandria city | 3 | 3 | 0 | 0.0% |
| Newport News city | 2 | 1 | 1 | 50.0% |
| Westmoreland County | 2 | 1 | 0 | 0.0% |
| Accomack County | 2 | 2 | 0 | 0.0% |
| Shenandoah County | 1 | 0 | 0 | 0.0% |
| Rockingham County | 1 | 0 | 0 | 0.0% |
| Henrico County | 1 | 0 | 0 | 0.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 49 applications in 2025, of which 35 were originated and 3 denied.
6.1% of all applications, or 6.8% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans OceanFirst Bank originated in Virginia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are OceanFirst Bank's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology