Oceanside Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
67th6.1% deniedPricingmedian rate spread over APOR, weight 30%
95th-0.36 ptsProcesswithdrawn + incomplete share, weight 15%
10th25.7%Closing coststotal loan costs ÷ loan amount, weight 10%
56th1.77% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 238 | 142 | 12.6% | 17.4% | 6.25% | $33M |
| 2024 | 488 | 312 | 5.9% | 8.5% | 6.13% | $83M |
| 2025 | 572 | 399 | 4.6% | 6.1% | 6.25% | $97M |
What Oceanside Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 18 manufactured homes, 4 investment properties.
Why Oceanside Mortgage denies applications
Primary reason reported for each of the 26 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Oceanside Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 127 | 94 | 6.9% |
| 35–44 | 122 | 89 | 7.3% |
| 45–54 | 110 | 77 | 10.5% |
| 55–64 | 113 | 76 | 3.8% |
| 65–74 | 62 | 41 | 0.0% |
Where Oceanside Mortgage lends
41 states and 359 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 62 | 46 | 4.8% | 6.25% | #382 |
| Texas | 56 | 37 | 7.1% | 6.25% | #685 |
| Illinois | 39 | 24 | 2.6% | 6.25% | #492 |
| Georgia | 35 | 23 | 2.9% | 6.25% | #497 |
| Indiana | 32 | 19 | 9.4% | 6.25% | #404 |
| New Jersey | 30 | 19 | 6.7% | 6.25% | #405 |
| Florida | 27 | 15 | 0.0% | 6.25% | #705 |
| Tennessee | 24 | 20 | 4.2% | 6.44% | #510 |
| North Carolina | 23 | 14 | 8.7% | 6.25% | #507 |
| Michigan | 22 | 17 | 0.0% | 6.13% | #422 |
| Virginia | 19 | 18 | 0.0% | 6.25% | #497 |
| Kentucky | 18 | 12 | 0.0% | 6.31% | #363 |
| Wisconsin | 17 | 12 | 0.0% | 6.38% | #433 |
| Louisiana | 16 | 14 | 0.0% | 6.06% | #331 |
| California | 15 | 8 | 6.7% | 5.94% | #682 |
| Alabama | 14 | 10 | 0.0% | 6.25% | #425 |
| South Carolina | 14 | 9 | 0.0% | 6.25% | #503 |
| Maryland | 9 | 6 | 11.1% | 6.00% | #490 |
| Oklahoma | 9 | 4 | 0.0% | 6.56% | #407 |
| Washington | 9 | 7 | 11.1% | 6.25% | #470 |
| Iowa | 8 | 7 | 12.5% | 6.38% | #373 |
| Pennsylvania | 8 | 7 | 0.0% | 6.50% | #726 |
| Massachusetts | 7 | 5 | 0.0% | 6.25% | #485 |
| Mississippi | 7 | 3 | 14.3% | 6.00% | #321 |
| Arizona | 6 | 6 | 0.0% | 6.50% | #578 |
| Connecticut | 6 | 5 | 0.0% | 6.25% | #415 |
| Arkansas | 5 | 4 | 20.0% | 6.00% | #425 |
Frequently asked questions
Oceanside Mortgage denied 6.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 67th percentile of small mortgage lenders.
The most common reason Oceanside Mortgage gave in 2025 was "credit history", cited on 50.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Oceanside Mortgage originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.36 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 2% of its applications were for home purchases, 98% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 2% conventional, 98% FHA, 1% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.