Ocean Bank
Ocean Bank received 94 applications in 2025 and made 38 mortgages, in 7 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $1,075,000. Of 62 decisions, 18 were denials — 29.0%.
| Legal Entity Identifier | 549300D4L76B477GHY32 |
|---|---|
| Applications received | 94 |
| Mortgages made | 38 |
| Denied | 18 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Ocean Bank, 25 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 26 | Not published | $1,425,000 | 23.1% |
| Refinancing | 10 | Not published | $925,000 | 36.8% |
| Other purposes | 2 | Under 10 loans | Under 10 loans | 50.0% |
Where Ocean Bank lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Miami-Dade County, FL | 28 | Not published | 28.3% |
| Broward County, FL | 6 | Under 10 loans | 22.2% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Martin County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, FL | 1 | Under 10 loans | 0.0% |
| Seminole County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Ocean Bank’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.