Oceanside Mortgage Company Mortgage Lending & HMDA Data, 2025

In 2025, Oceanside Mortgage Company of Toms River, NJ reported 572 mortgage applications totaling $140.1 million, up 17% from 2024. The average application was for $244,842, and applicants reported an average income of $85,664. 70% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Chicago-Naperville, IL (18), Cleveland, OH (13) and Atlanta-Sandy Springs-Roswell, GA (12) (applications in parentheses).

Mortgage Company & Address Oceanside Mortgage Company
55 Main St
Toms River, NJ 08753
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  
Total Number of Mortgage Applications 572
Total Mortgage Loan Application Amount $140,050,000
Average Mortgage Loan Application Amount $244,842
Highest Mortgage Loan Application Amount $1,075,000
Average Applicant Income $85,664
Highest Applicant Income $304,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Oceanside Mortgage Company filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Oceanside Mortgage Company by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Outside any metro area 106 $ 19,650,000 $ 185,377 $ 101,571
Chicago-Naperville, IL 18 $ 4,900,000 $ 272,222 $ 102,000
Cleveland, OH 13 $ 2,125,000 $ 163,461 $ 0
Atlanta-Sandy Springs-Roswell, GA 12 $ 3,170,000 $ 264,166 $ 81,000
Dallas-Plano-Irving, TX 12 $ 3,460,000 $ 288,333 $ 0
Lakewood-New Brunswick, NJ 12 $ 4,800,000 $ 400,000 $ 114,000
Houston-The Woodlands-Sugar Land, TX 11 $ 2,965,000 $ 269,545 $ 0
Cincinnati, OH-KY-IN 10 $ 1,740,000 $ 174,000 $ 81,000
Camden, NJ 9 $ 2,055,000 $ 228,333 $ 86,000
Indianapolis-Carmel-Anderson, IN 9 $ 2,095,000 $ 232,777 $ 0
Memphis, TN-MS-AR 9 $ 1,915,000 $ 212,777 $ 0
Columbus, OH 8 $ 2,340,000 $ 292,500 $ 0
Warren-Troy-Farmington Hills, MI 8 $ 1,660,000 $ 207,500 $ 0
Baton Rouge, LA 6 $ 1,130,000 $ 188,333 $ 0
Fort Worth-Arlington, TX 6 $ 1,830,000 $ 305,000 $ 124,000
Tampa, FL 6 $ 2,000,000 $ 333,333 $ 0
Akron, OH 5 $ 995,000 $ 199,000 $ 0
Canton-Massillon, OH 5 $ 785,000 $ 157,000 $ 0
Louisville/Jefferson County, KY-IN 5 $ 1,165,000 $ 233,000 $ 0
Milwaukee-Waukesha-West Allis, WI 5 $ 1,045,000 $ 209,000 $ 0
Newark, NJ-PA 5 $ 1,905,000 $ 381,000 $ 172,000
Toledo, OH 5 $ 665,000 $ 133,000 $ 52,000
Augusta-Richmond County, GA-SC 4 $ 700,000 $ 175,000 $ 0
Birmingham-Hoover, AL 4 $ 920,000 $ 230,000 $ 105,000
Dayton-Springfield-Kettering, OH 4 $ 540,000 $ 135,000 $ 0
El Paso, TX 4 $ 940,000 $ 235,000 $ 13,000
Fort Wayne, IN 4 $ 690,000 $ 172,500 $ 109,000
Jacksonville, FL 4 $ 770,000 $ 192,500 $ 0
Kennewick-Richland, WA 4 $ 1,290,000 $ 322,500 $ 153,000
Lake County-Porter County-Jasper County, IN 4 $ 660,000 $ 165,000 $ 0
Montgomery, AL 4 $ 1,160,000 $ 290,000 $ 0
Peoria, IL 4 $ 580,000 $ 145,000 $ 0
Phoenix-Mesa-Scottsdale, AZ 4 $ 1,340,000 $ 335,000 $ 78,000
Richmond, VA 4 $ 1,070,000 $ 267,500 $ 65,000
San Antonio-New Braunfels, TX 4 $ 1,300,000 $ 325,000 $ 0
Spartanburg, SC 4 $ 840,000 $ 210,000 $ 0
Washington, DC-MD 4 $ 2,330,000 $ 582,500 $ 0
Appleton, WI 3 $ 675,000 $ 225,000 $ 0
Arlington-Alexandria-Reston, VA-WV 3 $ 1,875,000 $ 625,000 $ 0
Chattanooga, TN-GA 3 $ 615,000 $ 205,000 $ 0
Detroit-Dearborn-Livonia, MI 3 $ 565,000 $ 188,333 $ 0
Fayetteville, NC 3 $ 535,000 $ 178,333 $ 0
Greensboro-High Point, NC 3 $ 595,000 $ 198,333 $ 0
Hartford-West Hartford-East Hartford, CT 3 $ 1,045,000 $ 348,333 $ 0
Jacksonville, NC 3 $ 615,000 $ 205,000 $ 0
Knoxville, TN 3 $ 565,000 $ 188,333 $ 31,000
Lafayette, LA 3 $ 655,000 $ 218,333 $ 0
Marietta, GA 3 $ 1,145,000 $ 381,666 $ 0
Mobile, AL 3 $ 475,000 $ 158,333 $ 0
New York-Jersey City-White Plains, NY-NJ 3 $ 1,865,000 $ 621,666 $ 0
Oklahoma City, OK 3 $ 595,000 $ 198,333 $ 0
Pensacola-Ferry Pass-Brent, FL 3 $ 645,000 $ 215,000 $ 0
Providence-Warwick, RI-MA 3 $ 1,215,000 $ 405,000 $ 0
Riverside-San Bernardino-Ontario, CA 3 $ 1,585,000 $ 528,333 $ 0
St. Louis, MO-IL 3 $ 385,000 $ 128,333 $ 0
Tulsa, OK 3 $ 625,000 $ 208,333 $ 0
Youngstown-Warren-Boardman, OH-PA 3 $ 545,000 $ 181,666 $ 47,000
Allentown-Bethlehem-Easton, PA-NJ 2 $ 560,000 $ 280,000 $ 0
Amarillo, TX 2 $ 420,000 $ 210,000 $ 0
Austin-Round Rock, TX 2 $ 710,000 $ 355,000 $ 0
Bakersfield, CA 2 $ 650,000 $ 325,000 $ 0
Barnstable Town, MA 2 $ 700,000 $ 350,000 $ 75,000
Battle Creek, MI 2 $ 270,000 $ 135,000 $ 0
Beaumont-Port Arthur, TX 2 $ 340,000 $ 170,000 $ 0
Bowling Green, KY 2 $ 290,000 $ 145,000 $ 0
Cambridge-Newton-Framingham, MA 2 $ 1,090,000 $ 545,000 $ 0
Champaign-Urbana, IL 2 $ 290,000 $ 145,000 $ 0
Charlotte-Concord-Gastonia, NC-SC 2 $ 530,000 $ 265,000 $ 0
Clarksville, TN-KY 2 $ 760,000 $ 380,000 $ 0
Columbia, SC 2 $ 520,000 $ 260,000 $ 0
Deltona-Daytona Beach-Ormond Beach, FL 2 $ 500,000 $ 250,000 $ 0
Denver-Aurora-Lakewood, CO 2 $ 550,000 $ 275,000 $ 0
Des Moines-West Des Moines, IA 2 $ 590,000 $ 295,000 $ 0
Elgin, IL 2 $ 550,000 $ 275,000 $ 0
Flint, MI 2 $ 390,000 $ 195,000 $ 0
Florence, SC 2 $ 550,000 $ 275,000 $ 0
Gulfport-Biloxi-Pascagoula, MS 2 $ 370,000 $ 185,000 $ 0
Janesville-Beloit, WI 2 $ 410,000 $ 205,000 $ 0
Kingsport-Bristol-Bristol, TN-VA 2 $ 460,000 $ 230,000 $ 0
Kokomo, IN 2 $ 350,000 $ 175,000 $ 0
Lafayette-West Lafayette, IN 2 $ 390,000 $ 195,000 $ 0
Lakeland-Winter Haven, FL 2 $ 730,000 $ 365,000 $ 0
Little Rock-North Little Rock-Conway, AR 2 $ 290,000 $ 145,000 $ 0
Macon-Bibb County, GA 2 $ 320,000 $ 160,000 $ 0
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 2 $ 160,000 $ 80,000 $ 38,000
North Port-Sarasota-Bradenton, FL 2 $ 860,000 $ 430,000 $ 0
Philadelphia, PA 2 $ 200,000 $ 100,000 $ 92,000
Portland-Vancouver-Hillsboro, OR-WA 2 $ 980,000 $ 490,000 $ 0
Raleigh, NC 2 $ 510,000 $ 255,000 $ 0
Roanoke, VA 2 $ 540,000 $ 270,000 $ 0
Rockford, IL 2 $ 440,000 $ 220,000 $ 0
Salinas, CA 2 $ 1,450,000 $ 725,000 $ 0
San Jose-Sunnyvale-Santa Clara, CA 2 $ 1,800,000 $ 900,000 $ 246,000
Shreveport-Bossier City, LA 2 $ 570,000 $ 285,000 $ 0
Slidell-Mandeville-Covington, LA 2 $ 600,000 $ 300,000 $ 0
Spokane-Spokane Valley, WA 2 $ 430,000 $ 215,000 $ 102,000
Springfield, OH 2 $ 190,000 $ 95,000 $ 0
Warner Robins, GA 2 $ 550,000 $ 275,000 $ 0
West Palm Beach-Boca Raton-Delray Beach, FL 2 $ 810,000 $ 405,000 $ 136,000
Albuquerque, NM 1 $ 245,000 $ 245,000 $ 0
Alexandria, LA 1 $ 205,000 $ 205,000 $ 0
Ann Arbor, MI 1 $ 365,000 $ 365,000 $ 0
Atlantic City-Hammonton, NJ 1 $ 265,000 $ 265,000 $ 0
Baltimore-Columbia-Towson, MD 1 $ 385,000 $ 385,000 $ 0
Bay City, MI 1 $ 135,000 $ 135,000 $ 0
Beckley, WV 1 $ 215,000 $ 215,000 $ 105,000
Boston, MA 1 $ 455,000 $ 455,000 $ 0
Charleston-North Charleston, SC 1 $ 505,000 $ 505,000 $ 0
Dalton, GA 1 $ 235,000 $ 235,000 $ 0
Davenport-Moline-Rock Island, IA-IL 1 $ 205,000 $ 205,000 $ 0
Dover, DE 1 $ 305,000 $ 305,000 $ 0
Elkhart-Goshen, IN 1 $ 145,000 $ 145,000 $ 0
Erie, PA 1 $ 155,000 $ 155,000 $ 0
Evansville, IN-KY 1 $ 135,000 $ 135,000 $ 0
Farmington, NM 1 $ 285,000 $ 285,000 $ 0
Fayetteville-Springdale-Rogers, AR-MO 1 $ 325,000 $ 325,000 $ 0
Fresno, CA 1 $ 205,000 $ 205,000 $ 52,000
Grand Rapids-Wyoming, MI 1 $ 235,000 $ 235,000 $ 0
Greenville, NC 1 $ 295,000 $ 295,000 $ 0
Hattiesburg, MS 1 $ 75,000 $ 75,000 $ 0
Hickory-Lenoir-Morganton, NC 1 $ 315,000 $ 315,000 $ 0
Huntington-Ashland, WV-KY-OH 1 $ 155,000 $ 155,000 $ 0
Huntsville, AL 1 $ 305,000 $ 305,000 $ 0
Johnson City, TN 1 $ 85,000 $ 85,000 $ 0
Jonesboro, AR 1 $ 145,000 $ 145,000 $ 0
Kankakee, IL 1 $ 265,000 $ 265,000 $ 0
Killeen-Temple, TX 1 $ 245,000 $ 245,000 $ 0
Lake County-Kenosha County, IL-WI 1 $ 195,000 $ 195,000 $ 0
Lansing-East Lansing, MI 1 $ 75,000 $ 75,000 $ 0
Lexington-Fayette, KY 1 $ 245,000 $ 245,000 $ 0
Longview, TX 1 $ 175,000 $ 175,000 $ 0
Longview, WA 1 $ 485,000 $ 485,000 $ 0
Lynchburg, VA 1 $ 285,000 $ 285,000 $ 0
Medford, OR 1 $ 305,000 $ 305,000 $ 0
Midland, TX 1 $ 245,000 $ 245,000 $ 0
Minneapolis-St. Paul-Bloomington, MN-WI 1 $ 515,000 $ 515,000 $ 0
Monroe, LA 1 $ 75,000 $ 75,000 $ 0
Monroe, MI 1 $ 115,000 $ 115,000 $ 0
Morristown, TN 1 $ 115,000 $ 115,000 $ 0
Muncie, IN 1 $ 145,000 $ 145,000 $ 0
Nashville-Davidson--Murfreesboro--Franklin, TN 1 $ 255,000 $ 255,000 $ 0
New Haven-Milford, CT 1 $ 415,000 $ 415,000 $ 110,000
Niles-Benton Harbor, MI 1 $ 115,000 $ 115,000 $ 0
Ocala, FL 1 $ 275,000 $ 275,000 $ 0
Odessa, TX 1 $ 185,000 $ 185,000 $ 0
Orlando-Kissimmee-Sanford, FL 1 $ 415,000 $ 415,000 $ 0
Oshkosh-Neenah, WI 1 $ 195,000 $ 195,000 $ 0
Provo-Orem, UT 1 $ 555,000 $ 555,000 $ 0
Racine, WI 1 $ 185,000 $ 185,000 $ 0
Rocky Mount, NC 1 $ 215,000 $ 215,000 $ 0
Salem, OR 1 $ 425,000 $ 425,000 $ 0
Salisbury, MD-DE 1 $ 335,000 $ 335,000 $ 0
Salt Lake City, UT 1 $ 375,000 $ 375,000 $ 0
San Angelo, TX 1 $ 135,000 $ 135,000 $ 0
San Luis Obispo-Paso Robles-Arroyo Grande, CA 1 $ 515,000 $ 515,000 $ 222,000
Sandusky, OH 1 $ 115,000 $ 115,000 $ 0
Savannah, GA 1 $ 115,000 $ 115,000 $ 0
Scranton--Wilkes-Barre--Hazleton, PA 1 $ 85,000 $ 85,000 $ 0
Sheboygan, WI 1 $ 125,000 $ 125,000 $ 0
South Bend-Mishawaka, IN-MI 1 $ 145,000 $ 145,000 $ 43,000
Springfield, IL 1 $ 115,000 $ 115,000 $ 0
Springfield, MA 1 $ 305,000 $ 305,000 $ 0
Staunton-Waynesboro, VA 1 $ 175,000 $ 175,000 $ 0
Stockton-Lodi, CA 1 $ 335,000 $ 335,000 $ 0
Sumter, SC 1 $ 95,000 $ 95,000 $ 0
Terre Haute, IN 1 $ 155,000 $ 155,000 $ 0
Texarkana, TX-AR 1 $ 145,000 $ 145,000 $ 0
Topeka, KS 1 $ 275,000 $ 275,000 $ 112,000
Tucson, AZ 1 $ 275,000 $ 275,000 $ 0
Tuscaloosa, AL 1 $ 265,000 $ 265,000 $ 0
Vineland-Bridgeton, NJ 1 $ 245,000 $ 245,000 $ 0
Virginia Beach-Norfolk-Newport News, VA-NC 1 $ 195,000 $ 195,000 $ 0
Visalia-Porterville, CA 1 $ 325,000 $ 325,000 $ 0
Washington-Baltimore-Arlington, DC 1 $ 385,000 $ 385,000 $ 0
Wausau, WI 1 $ 175,000 $ 175,000 $ 0
Weirton-Steubenville, WV-OH 1 $ 115,000 $ 115,000 $ 49,000
Williamsport, PA 1 $ 105,000 $ 105,000 $ 0
Wilmington, NC 1 $ 315,000 $ 315,000 $ 0
Winston-Salem, NC 1 $ 115,000 $ 115,000 $ 0
Worcester, MA-CT 1 $ 365,000 $ 365,000 $ 0
York-Hanover, PA 1 $ 245,000 $ 245,000 $ 0
Yuba City, CA 1 $ 265,000 $ 265,000 $ 0

Mortgage Loan Application Detail Totals for Oceanside Mortgage Company in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 535 $129,575,000 $242,000 $885,000 $84,000 $153,000
Cash-out Refinancing 23 $5,375,000 $233,000 $585,000 $84,000 $222,000
Home Purchase 14 $5,100,000 $364,000 $1,075,000 $152,000 $304,000
Not Applicable 0 $0 $0 $0 $0 $0
Other Purpose 0 $0 $0 $0 $0 $0
Home Improvement 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not Provided 567 $138,905,000 $244,000 $1,075,000 $104,000 $304,000
White 4 $1,030,000 $257,000 $585,000 $92,000 $105,000
Hispanic 1 $115,000 $115,000 $115,000 $52,000 $52,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0
Not applicable 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 0 $0 $0 $0 $0 $0
Asian 0 $0 $0 $0 $0 $0
Black or African American 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
FHA-insured (Federal Housing Administration) 559 $136,215,000 $243,000 $1,075,000 $99,000 $258,000
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 10 $2,350,000 $235,000 $515,000 $116,000 $304,000
VA-guaranteed (Veterans Administration) 3 $1,485,000 $495,000 $595,000 $0 $0
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 399 $96,845,000 $242,000 $885,000 $99,000 $304,000
Application Withdrawn By Applicant 147 $36,755,000 $250,000 $1,075,000 $119,000 $246,000
Application Denied By Financial Institution 26 $6,450,000 $248,000 $735,000 $77,000 $153,000
Application Approved But Not Accepted 0 $0 $0 $0 $0 $0
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 546 $133,600,000 $244,000 $1,075,000 $105,000 $304,000
Credit History 13 $3,375,000 $259,000 $635,000 $69,000 $86,000
Other 6 $1,790,000 $298,000 $735,000 $153,000 $153,000
Insufficient Cash (Downpayment, Closing Cost) 3 $635,000 $211,000 $305,000 $0 $0
Unverifiable Information 1 $165,000 $165,000 $165,000 $0 $0
Debt-To-Income Ratio 1 $105,000 $105,000 $105,000 $29,000 $29,000
Employment History 1 $105,000 $105,000 $105,000 $31,000 $31,000
Collateral 1 $275,000 $275,000 $275,000 $112,000 $112,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Oceanside Mortgage Company's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Oceanside Mortgage Company's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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