Lender in Pennsylvania · HMDA 2025
OceanFirst Bank, N.A. mortgages in Pennsylvania
OceanFirst Bank, N.A.'s 2025 home-purchase and refinance lending in Pennsylvania, compared with all lenders in the state.
OceanFirst Bank, N.A. originated 250 owner-occupied single-family loans in Pennsylvania from 292 completed applications.
Its median conventional purchase loan costs were $4,650 versus $5,880 for all Pennsylvania lenders, at a median 30-year fixed rate of 6.25% (Pennsylvania: 6.625%).
Loans in PA
250
of 292 applications
Denial rate
2.6%
Purchase · PA 6.7%
Rate spread
−0.24 pts
Conv. · PA +0.17 pts
Loan amount
$305,000
Purchase · PA $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 273 | 239 | 2.6% | 6.250% | −0.24 pts | $4,650 | $305,000 |
| Refinance | 11 | 7 | — | — | — | — | — |
| Cash-out refinance | 8 | 4 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Pennsylvania counties where OceanFirst Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Philadelphia County | 15 | 162 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology