Applications / Mortgage Analytics / Lenders / New Jersey / Oceanside Mortgage Company
Toms River, NJ · Independent non-bank lender · CFPB · 399 loans in 2025
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399
loans originated, 2025
572
applications, 2025
38
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Oceanside Mortgage Company is a refinance lender built almost entirely on loans insured by the Federal Housing Administration (FHA), and in 2025 it grew 28%.
FHA loans make up 97.2% of its lending, against 17.8% at similar lenders (independent non-bank lenders making between half and twice as many loans). Refinances account for 97.7% of its loans. Its typical loan is $215,000, against $335,000 at peers, smaller than at most of them. None of its loans was higher-priced (a rate well above the average for similar loans), and its typical rate of 6.25% was below peers' 6.50%.
It made 4,591 loans in 2020, when its typical rate was 2.99%, and only 142 in 2023. A lender doing almost nothing but refinances may rise and fall with rates. It has since recovered to 399 loans, up 28% in 2025 against 2% at the typical similar lender and 10% for the whole market.
Some 53.1% of its borrowers have low or moderate incomes (LMI), against 23.2% at similar lenders, more than at nearly all of them. It makes 30.5% of its loans in LMI tracts, against 17.5%. Its FHA focus may help explain the pattern. Its refinance denial rate, 6.3%, is close to peers' 6.8%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Oceanside Mortgage Company took 572 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 97.7% · Purchase 2.3%
FHA 97.2% · Conventional 2.0% · VA 0.8% · of 399 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 46 | 11.5% |
| Texas | 37 | 9.3% |
| Illinois | 24 | 6.0% |
| Georgia | 23 | 5.8% |
| New Jersey | 22 | 5.5% |
| Indiana | 20 | 5.0% |
| Tennessee | 20 | 5.0% |
| Virginia | 18 | 4.5% |
| Michigan | 17 | 4.3% |
| Florida | 15 | 3.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 12 |
| Cleveland | 11 |
| Lakewood-New Brunswick | 11 |
| Dallas-Plano-Irving | 9 |
| Cincinnati | 8 |
| Columbus | 8 |
| Atlanta-Sandy Springs-Roswell | 7 |
| Houston-Pasadena-The Woodlands | 7 |
| Warren-Troy-Farmington Hills | 7 |
| Camden | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004R423PBPM6A173 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3949605 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7223470404 |
Established 11 October 1996. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Oceanside Mortgage Company's data.
Oceanside Mortgage Company's data
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Oceanside Mortgage Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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