Ocean Financial Federal Credit Union
Ocean Financial Federal Credit Union received 55 applications in 2025 and made 21 mortgages, in 12 counties across 6 states. The median rate its borrowers got was 7.250% on a median loan of $205,000. Of 45 decisions, 24 were denials — 53.3%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900VFRQR5ZLXRQ298 |
|---|---|
| Applications received | 55 |
| Mortgages made | 21 |
| Denied | 24 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 10 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.385 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Refinancing | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Other purposes | 10 | 7.745% | $75,000 | 63.0% |
Where Ocean Financial Federal Credit Union lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Nassau County, NY | 17 | 7.250% | 46.9% |
| Greater Bridgeport Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Suffolk County, NY | 1 | Under 10 loans | 80.0% |
| Ulster County, NY | 1 | Under 10 loans | 0.0% |
| Monroe County, PA | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 0 | Under 10 loans | 100.0% |
| Manatee County, FL | 0 | Under 10 loans | 100.0% |
| Monmouth County, NJ | 0 | Under 10 loans | 100.0% |
| Dutchess County, NY | 0 | Under 10 loans | 100.0% |
| Queens County, NY | 0 | Under 10 loans | Not published |
| Wayne County, PA | 0 | Under 10 loans | 100.0% |
| Horry County, SC | 0 | Under 10 loans | Not published |
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When Ocean Financial Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.