Lender in New Jersey · HMDA 2025
OceanFirst Bank, N.A. mortgages in New Jersey
OceanFirst Bank, N.A.'s 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
OceanFirst Bank, N.A. originated 1,395 owner-occupied single-family loans in New Jersey from 1,605 completed applications, making it the state's #15 lender by volume.
Its median conventional purchase loan costs were $4,860 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.25% (New Jersey: 6.625%).
Loans in NJ
1,395
of 1,605 applications
Denial rate
2.9%
Purchase · NJ 8.4%
Rate spread
−0.25 pts
Conv. · NJ +0.12 pts
Loan amount
$405,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,276 | 1,109 | 2.9% | 6.250% | −0.25 pts | $4,860 | $405,000 |
| Refinance | 270 | 236 | 3.0% | 5.625% | −0.58 pts | $3,750 | $445,000 |
| Cash-out refinance | 59 | 50 | 3.4% | 6.500% | −0.04 pts | $3,700 | $295,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where OceanFirst Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Middlesex County | 4 | 383 | 4.8% |
| Cape May County | 6 | 26 | 2.8% |
| Atlantic County | 7 | 115 | 3.9% |
| Mercer County | 8 | 75 | 1.9% |
| Monmouth County | 10 | 140 | 1.8% |
| Burlington County | 12 | 127 | 2.0% |
| Cumberland County | 12 | 28 | 1.9% |
| Camden County | 14 | 120 | 1.9% |
| Ocean County | 16 | 142 | 1.7% |
| Gloucester County | 20 | 59 | 1.3% |
| Salem County | 23 | 8 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology