Mortgage Lenders and Brokers in Oceanside, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Oceanside, New York mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3285 Long Beach Rd, Oceanside, NY 11572A+5.0 ★Texas Ratio: 3.68%, TD BankTD Bank247 Long Beach Rd, Oceanside, NY 11572A+5.0 ★Texas Ratio: 3.71%, Wells Fargo Bank NAWells Fargo Bank NA3584 Long Beach Rd, Oceanside, NY 11572A+5.0 ★Texas Ratio: 5.36%, Ocean Financial FCUOcean Financial FCU45 Atlantic Ave, Oceanside, NY 11572 2035B+4.8 ★Texas Ratio: 17.96%, Bank of America NABank of America NA2756 Long Beach Rd, Oceanside, NY 11572A+5.0 ★Texas Ratio: 4.14%, Flagstar Bank NAFlagstar Bank NA3140 Long Beach Rd, Oceanside, NY 11572D3.3 ★Texas Ratio: 35.11%, M&T BankM&T Bank12 Atlantic Ave, Oceanside, NY 11572A+5.0 ★Texas Ratio: 4.11%, Valley National BankValley National Bank7726 3rd Ave, Brooklyn, NY 11209A+5.0 ★Texas Ratio: 5.76%, Citibank, NACitibank, NA1000 Willis Ave, Albertson, NY 11507A+5.0 ★Texas Ratio: 2.82%, and Citizens Bank, NACitizens Bank, NA1440 Central Ave, Albany, NY 12205A+5.0 ★Texas Ratio: 5.44%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Oceanside, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oceanside are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Oceanside, New York
Market share is the lender's share of all home loans closed in Oceanside, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Oceanside 3285 Long Beach Rd, Oceanside, NY 11572 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 17 +2 HELOCs |
4.4% | 85.7% | $519,705 | View |
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1 office in Oceanside 247 Long Beach Rd, Oceanside, NY 11572 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 8 +13 HELOCs |
2.1% | 66.7% | $475,000 | View |
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1 office in Oceanside 3584 Long Beach Rd, Oceanside, NY 11572 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 6 | 1.6% | 85.7% | $463,333 | View |
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45 Atlantic Ave, Oceanside, NY 11572 2035 B+4.8 ★Texas Ratio: 17.96% |
Conventional | 5 | 1.3% | 41.7% | $231,000 | View |
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1 office in Oceanside 2756 Long Beach Rd, Oceanside, NY 11572 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 3 +10 HELOCs |
0.8% | 100% | $768,333 | View |
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1 office in Oceanside 3140 Long Beach Rd, Oceanside, NY 11572 D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 33.3% | $565,000 | View |
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1 office in Oceanside 12 Atlantic Ave, Oceanside, NY 11572 A+5.0 ★Texas Ratio: 4.11% |
HELOC | 0 +5 HELOCs |
0% | n/a | View | |
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7726 3rd Ave, Brooklyn, NY 11209 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 14 +1 HELOCs |
3.6% | 100% | $522,142 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 9 | 2.3% | 100% | $473,888 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 6 +26 HELOCs |
1.6% | 85.7% | $728,333 | View |
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252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
Conventional | 6 | 1.6% | 100% | $588,333 | View |
Teachers Federal Credit Union
355 Broadway, Amityville, NY 11701 |
Conventional, HELOC | 5 +2 HELOCs |
1.3% | 100% | $401,000 | |
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3501 30th Ave, Astoria, NY 11103 A-4.9 ★Texas Ratio: 16.55% |
Conventional | 3 | 0.8% | 100% | $545,000 | View |
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5512 8th Ave, Brooklyn, NY 11220 A5.0 ★Texas Ratio: 9.30% |
Conventional | 2 | 0.5% | 100% | $555,000 | View |
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2000 Westchester Ave, Purchase, NY 10577 A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.5% | 75% | $480,000 | View |
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1145 Willis Ave, Albertson, NY 11507 1232 B+4.8 ★Texas Ratio: 17.52% |
Conventional, HELOC | 1 +39 HELOCs |
0.3% | 100% | $805,000 | View |
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353 E 149th St, Bronx, NY 10455 A5.0 ★Texas Ratio: 8.74% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 50% | $25,000 | View |
Better Mortgage Corporation
300 Crosspoint Pkwy, Getzville, NY 14068 1606 |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $645,000 | |
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4824 8th Ave, Brooklyn, NY 11220 A+5.0 ★Texas Ratio: 2.36% |
Conventional | 1 | 0.3% | 100% | $335,000 | View |
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5402 8th Ave, Brooklyn, NY 11220 A+5.0 ★Texas Ratio: 4.57% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
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20907 Northern Blvd, Bayside, NY 11361 A+5.0 ★Texas Ratio: 4.07% |
Conventional | 1 | 0.3% | 100% | $565,000 | View |
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425 Neptune Ave, Brooklyn, NY 11224 4559 A+5.0 ★Texas Ratio: 0.55% |
Conventional | 1 | 0.3% | 100% | $705,000 | View |
Maspeth Federal Savings and Loan Association
3142 Steinway St, Astoria, NY 11103 |
Conventional | 1 | 0.3% | 100% | $405,000 | |
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5418 8th Ave, Brooklyn, NY 11220 A5.0 ★Texas Ratio: 8.76% |
Conventional | 1 | 0.3% | 100% | $685,000 | View |
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425 Broadhollow Rd, Melville, NY 11747 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 1 | 0.3% | 100% | $815,000 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.3% | 100% | $665,000 | View |
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2752 Sunrise Hwy, Bellmore, NY 11710 A5.0 ★Texas Ratio: 7.07% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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2500 Westchester Ave, Purchase, NY 10577 2587 A5.0 ★Texas Ratio: 11.76% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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6150 Jericho Tpke, Commack, NY 11725 2802 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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575 Broadway, Albany, NY 12207 A5.0 ★Texas Ratio: 6.36% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Contour Mortgage Corporation
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Conventional, FHA | 18 | 4.7% | 100% | $576,111 | |
Nationwide Mortgage Bankers, Inc.
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Conventional, FHA | 16 | 4.2% | 100% | $570,000 | |
Interstate Home Loan Center, Inc.
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Conventional, FHA | 14 | 3.6% | 93.3% | $540,714 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional | 12 | 3.1% | 92.3% | $488,333 | |
East Coast Capital Corp.
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Conventional, FHA | 7 | 1.8% | 87.5% | $653,571 | |
Hartford Funding, Ltd.
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Conventional, VA | 3 | 0.8% | 100% | $525,000 | |
Cliffco, Inc.
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Conventional | 3 | 0.8% | 75% | $595,000 | |
FM Home Loans LLC
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Conventional | 3 | 0.8% | 100% | $525,000 | |
Jovia Financial Federal Credit
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Conventional, HELOC | 2 +34 HELOCs |
0.5% | 100% | $720,000 | |
Reliant Home Funding, Inc
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Conventional | 2 | 0.5% | 100% | $650,000 | |
Associated Mortgage Bankers Inc.
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Conventional | 2 | 0.5% | 100% | $520,000 | |
Blair Services of America, Inc
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Conventional, FHA | 2 | 0.5% | 100% | $685,000 | |
UNMB Home Loans Inc
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Conventional | 2 | 0.5% | 100% | $550,000 | |
Reliance First Capital, LLC
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Conventional | 2 | 0.5% | 66.7% | $245,000 | |
Lyons Mortgage Services, Inc.
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Conventional | 1 | 0.3% | 100% | $505,000 | |
Summit Mortgage Bankers, Inc.
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Conventional | 1 | 0.3% | 100% | $455,000 | |
Wall Street Mortgage Bankers, Ltd. dba Power Expre
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Conventional | 1 | 0.3% | 100% | $555,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.3% | 100% | $715,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA, HELOC | 44 +1 HELOCs |
11.4% | 93.9% | $570,000 | |
Rocket Mortgage
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Conventional, FHA | 37 | 9.6% | 86% | $343,918 | |
CrossCountry Mortgage, LLC
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Conventional, HELOC | 16 +2 HELOCs |
4.2% | 100% | $486,250 | |
Newrez LLC
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Conventional, FHA, VA | 14 | 3.6% | 73.7% | $547,857 | |
Pennymac Loan Services LLC
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Conventional, FHA | 12 | 3.1% | 85.7% | $568,333 | |
loanDepot.com LLC
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Conventional | 10 | 2.6% | 90.9% | $313,000 | |
Fairway Independent Mort Corp
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Conventional | 8 | 2.1% | 88.9% | $462,500 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 5 | 1.3% | 62.5% | $427,000 | |
Nqm Funding, LLC
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Conventional | 4 | 1% | 83.3% | $732,500 | |
New American Funding, LLC.
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Conventional | 4 | 1% | 80% | $605,000 | |
| Conventional, HELOC | 2 +2 HELOCs |
0.5% | 100% | $75,000 | View | |
American Airlines Federal Cred
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Conventional | 2 | 0.5% | 100% | $425,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.5% | 100% | $505,000 | |
Norwich Commercial Group Inc
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Conventional | 2 | 0.5% | 100% | $530,000 | |
PHH Mortgage Corporation
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Conventional, FHA | 2 | 0.5% | 100% | $530,000 | |
Dart Bank
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Conventional | 2 | 0.5% | 100% | $390,000 | |
American Financial Network, Inc.
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Conventional, FHA | 2 | 0.5% | 100% | $500,000 | |
Embrace Home Loans, Inc.
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Conventional, FHA | 2 | 0.5% | 100% | $605,000 | |
Mortgage Research Center
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VA | 2 | 0.5% | 100% | $620,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 2 | 0.5% | 100% | $895,000 | View |
HomeBridge Financial Services, Inc
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $685,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 50% | $105,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.3% | 100% | $185,000 | |
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A5.0 ★Texas Ratio: 11.06% |
FHA | 1 | 0.3% | 100% | $705,000 | View |
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D3.5 ★Texas Ratio: 32.93% |
FHA | 1 | 0.3% | 100% | $535,000 | View |
Freedom Mortgage Corporation
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Conventional | 1 | 0.3% | 33.3% | $435,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.3% | 100% | $755,000 | |
Allied Mortgage Group, Inc
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Conventional | 1 | 0.3% | 100% | $595,000 | |
Guidance Residential, LLC
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Conventional | 1 | 0.3% | 100% | $605,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.3% | 50% | $255,000 | |
NJ Lenders Corp
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Conventional | 1 | 0.3% | 100% | $795,000 | |
William Raveis Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $695,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.3% | 100% | $385,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.3% | 50% | $625,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.3% | 100% | $615,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $405,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.3% | 100% | $145,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 1 | 0.3% | 100% | $605,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $445,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.3% | 100% | $615,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $715,000 | View |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
First Technology Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Oceanside Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Oceanside, New York
Looking for mortgage lenders near me or mortgage brokers near me in Oceanside? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oceanside in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oceanside, NY
Use these to narrow the list above. Each category shows how many Oceanside, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Oceanside, NY
Independent mortgage companies closed 71.9 percent of home loans in Oceanside, New York in 2025, banks 23.6 percent and credit unions 4.4 percent. United Mortgage Corp. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Ocean Financial FCU the largest credit union. Among lenders headquartered in New York, Ocean Financial FCU led with 5 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Oceanside, NY
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Oceanside, New York with 17 loans, about 4.4 percent of the market. The largest lender headquartered in New York was Ocean Financial FCU with 5 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Oceanside, New York in 2025, led by United Wholesale Mortgage with 6. 6 lenders closed VA loans, led by Newrez LLC. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 30 banks and 14 credit unions closed home loans in Oceanside, New York in 2025, alongside 50 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Oceanside, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Oceanside, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Oceanside. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
