OceanFirst Bank, National Association
2,638 mortgages originated in 2025 across 2 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,638
- Median rate
- 6.375%
- Median lender fees
- $4,540
- Median loan amount
- $335,000
- Median spread over APOR
- -0.057
- Paid discount points
- 0%
- Received lender credits
- 50.7%
- Purchases / refinances
- 68.6% / 17%
- Conventional / FHA / VA
- 96.4% / 2.5% / 1.1%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 87.8% of loans here — see methodology.
Where OceanFirst Bank, National Association lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| New Jersey | 2,071 | $4,538 | 6.375% |
| Pennsylvania | 289 | $4,655 | 6.250% |