Mortgage lenders in Ocean County
17,229 mortgages were made in Ocean County, New Jersey, in 2025, by 493 lenders. The median rate their borrowers got was 6.750% on a median loan of $295,000. Of 23,046 decisions, 4,854 were denials — 21.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,210 | 6.990% | $185,000 | 15.1% |
| PNC Bank, National Association | 853 | 0.250% | $105,000 | 27.0% |
| TD Bank, National Association | 830 | 7.540% | $125,000 | 31.4% |
| Citizens Bank, National Association | 720 | 7.400% | $205,000 | 31.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 670 | 6.500% | $365,000 | 17.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 602 | 6.788% | $355,000 | 6.8% |
| GUARANTEED RATE, INC. | 511 | 6.500% | $455,000 | 3.7% |
| PENNYMAC LOAN SERVICES, LLC | 484 | 6.750% | $335,000 | 15.7% |
| Loandepot.Com, LLC | 420 | 6.875% | $255,000 | 20.8% |
| OceanFirst Bank, National Association | 400 | 7.500% | $225,000 | 16.2% |
| Bank of America, National Association | 389 | 6.125% | $185,000 | 41.6% |
| Advisors Mortgage Group, L.L.C. | 387 | 6.625% | $365,000 | 3.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 379 | 6.625% | $365,000 | 2.8% |
| FM Home Loans, LLC | 271 | 6.875% | $525,000 | 0.7% |
| CMG MORTGAGE, INC. | 268 | 6.750% | $320,000 | 6.9% |
| JPMorgan Chase Bank, National Association | 223 | 6.490% | $295,000 | 16.3% |
| Fulton Bank, National Association | 223 | 6.375% | $645,000 | 26.6% |
| Wells Fargo Bank, National Association | 218 | 6.375% | $285,000 | 16.4% |
| Manasquan Bank | 199 | 7.000% | $195,000 | 12.6% |
| ARK MORTGAGE, INC. | 192 | 7.125% | $445,000 | 2.4% |
| THE LOAN STORE, INC. | 190 | 7.125% | $440,000 | 7.6% |
| Paramount Residential Mortgage Group, Inc. | 186 | 6.625% | $365,000 | 3.6% |
| NATIONSTAR MORTGAGE LLC | 176 | 7.933% | $145,000 | 12.3% |
| NEWREZ LLC | 174 | 7.188% | $250,000 | 37.1% |
| FREEDOM MORTGAGE CORPORATION | 160 | 6.250% | $325,000 | 14.0% |
| DHI MORTGAGE COMPANY, LTD. | 155 | 6.500% | $455,000 | 8.1% |
| Manufacturers and Traders Trust Company | 144 | 5.990% | $145,000 | 37.6% |
| Navy Federal Credit Union | 139 | 7.900% | $155,000 | 30.4% |
| The Federal Savings Bank | 136 | 6.750% | $395,000 | 6.9% |
| SPRING EQ, LLC | 127 | 9.250% | $95,000 | 59.3% |
| U.S. Bank National Association | 125 | 6.625% | $365,000 | 34.0% |
| FIGURE LENDING LLC | 120 | 9.175% | $75,000 | 30.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 119 | 6.625% | $345,000 | 2.5% |
| AmeriSave Mortgage Corporation | 112 | 7.995% | $75,000 | 58.8% |
| Mortgage Research Center, LLC | 101 | 6.125% | $375,000 | 31.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 101 | 10.290% | $145,000 | 15.9% |
| Provident Bank | 98 | 7.000% | $235,000 | 40.2% |
| Loan Funder LLC | 96 | 7.740% | $325,000 | 11.1% |
| Broker Solutions, Inc. | 89 | 6.990% | $255,000 | 27.1% |
| CHAMPIONS FUNDING, LLC | 88 | 7.625% | $400,000 | 18.5% |
| First Financial Federal Credit Union | 85 | 6.750% | $55,000 | 28.0% |
| Skyrock Mortgage Corp | 83 | 6.625% | $485,000 | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 82 | 6.688% | $300,000 | 4.6% |
| GLENDENNING MORTGAGE CORPORATION | 82 | 6.875% | $330,000 | 4.7% |
| Luminate Bank | 78 | 6.562% | $380,000 | 2.5% |
| MOVEMENT MORTGAGE, LLC | 76 | 6.625% | $345,000 | 4.2% |
| UNITED MORTGAGE CORP. | 76 | 6.875% | $365,000 | 2.2% |
| KIND LENDING, LLC | 75 | 6.625% | $415,000 | 33.3% |
| Coastal Community Bank | 73 | 10.490% | $55,000 | 2.7% |
| FIRST ATLANTIC FEDERAL CREDIT UNION | 72 | 6.000% | $105,000 | 21.1% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 70 | 6.750% | $325,000 | 2.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 68 | 6.500% | $240,000 | 27.6% |
| Lendage, LLC | 68 | 11.625% | $65,000 | 18.4% |
| GUARANTEED RATE AFFINITY, LLC | 65 | 6.575% | $345,000 | 5.8% |
| Prosperity Home Mortgage, LLC | 64 | 6.688% | $305,000 | 3.0% |
| NJ LENDERS CORP. | 63 | 6.750% | $355,000 | 3.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 61 | 6.625% | $375,000 | 14.1% |
| A&D Mortgage LLC | 60 | 6.750% | $465,000 | 10.3% |
| LAKEVIEW LOAN SERVICING, LLC | 59 | 6.500% | $255,000 | 50.9% |
| Third Federal Savings and Loan Association of Cleveland | 59 | 6.990% | $125,000 | 43.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 56 | 8.062% | $135,000 | 26.9% |
| Morgan Stanley Private Bank, National Association | 56 | 5.988% | $760,000 | 6.6% |
| FIRST COLONY MORTGAGE CORPORATION | 55 | 6.625% | $365,000 | 9.2% |
| Kiavi Funding, Inc. | 54 | 10.700% | $370,000 | 5.3% |
| AFFINITY | 53 | 4.900% | $145,000 | 32.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 52 | 6.813% | $400,000 | 5.5% |
| NORWICH COMMERCIAL GROUP, INC. | 50 | 6.875% | $505,000 | 20.0% |
| Valley National Bank | 49 | 6.490% | $185,000 | 26.8% |
| UNION HOME MORTGAGE CORP. | 49 | 6.500% | $355,000 | 3.9% |
| POLICE & FIRE | 48 | 6.240% | $100,000 | 41.0% |
| Cornerstone First Mortgage, Inc | 46 | 6.990% | $410,000 | 2.1% |
| Amboy Bank | 46 | Not published | $85,000 | 17.5% |
| Discover Bank | 45 | 8.730% | $75,000 | 78.0% |
| PENTAGON FEDERAL CREDIT UNION | 44 | 7.750% | $155,000 | 38.9% |
| MORTGAGE ACCESS CORP. | 43 | 6.500% | $335,000 | 2.2% |
| AMWEST FUNDING CORP. | 43 | 7.750% | $415,000 | 17.3% |
| Citibank, National Association | 43 | 6.250% | $585,000 | 14.8% |
| Citadel Servicing Corporation | 43 | 7.625% | $515,000 | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 42 | 6.750% | $350,000 | 6.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 41 | 6.250% | $345,000 | 41.4% |
| Commerce Home Mortgage, Inc. | 41 | 7.875% | $365,000 | 6.8% |
| NQM FUNDING, LLC | 41 | 7.249% | $375,000 | 19.2% |
| Logan Finance Corporation | 39 | 7.374% | $435,000 | 13.0% |
| FINANCE OF AMERICA REVERSE LLC | 39 | 6.625% | $225,000 | 17.0% |
| Fairway Independent Mortgage Corporation | 39 | 6.875% | $445,000 | 4.9% |
| Kearny Bank | 39 | 6.000% | $385,000 | 7.1% |
| EMM LOANS LLC | 36 | 6.500% | $330,000 | 0.0% |
| NVR Mortgage Finance, Inc. | 36 | 6.125% | $395,000 | 28.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 36 | 6.688% | $410,000 | 5.3% |
| DEEPHAVEN MORTGAGE LLC | 35 | 8.625% | $315,000 | 28.0% |
| Emporium TPO LLC | 35 | 7.250% | $435,000 | 2.1% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 35 | 9.250% | $355,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 34 | 8.250% | $155,000 | 52.7% |
| MLD MORTGAGE INC. | 34 | 6.250% | $285,000 | 2.6% |
| ICE LENDER HOLDINGS LLC | 33 | 7.125% | $355,000 | 25.0% |
| Gateway First Bank | 33 | 6.375% | $315,000 | 5.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 31 | 5.750% | $415,000 | 22.6% |
| QUORUM FEDERAL CREDIT UNION | 31 | 8.625% | $125,000 | 37.1% |
| PLAZA HOME MORTGAGE, INC. | 31 | 6.750% | $305,000 | 28.9% |
| JMAC LENDING, INC. | 30 | 6.990% | $480,000 | 0.0% |
| Flagstar Bank, N.A. | 29 | 6.625% | $275,000 | 37.5% |
| PHH Mortgage Corporation | 29 | 6.250% | $265,000 | 14.7% |
| TOWER Federal Credit Union | 29 | 7.000% | $145,000 | 34.0% |
| BOND STREET MORTGAGE, LLC | 29 | 6.500% | $305,000 | 9.4% |
| Unity Bank | 28 | 7.000% | $510,000 | 6.7% |
| Truist Bank | 27 | 6.625% | $325,000 | 50.0% |
| LENNAR MORTGAGE, LLC | 27 | 6.990% | $465,000 | 10.0% |
| 254900M2C4Q6DATP2889 | 26 | 6.125% | $295,000 | 21.2% |
| NEXERA HOLDING LLC | 26 | 7.438% | $355,000 | 7.1% |
| Columbia Bank | 26 | 6.933% | $225,000 | 14.7% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 26 | 6.875% | $425,000 | 0.0% |
| ARC HOME LLC | 25 | 7.125% | $745,000 | 20.0% |
| LONGBRIDGE FINANCIAL, LLC | 25 | 6.500% | $265,000 | 10.3% |
| EMBRACE HOME LOANS, INC. | 25 | 6.375% | $595,000 | 6.7% |
| Northfield Bank | 24 | Not published | $220,000 | 38.1% |
| AMERICAN HERITAGE FCU | 24 | 6.740% | $95,000 | 36.8% |
| Hometown Equity Mortgage, LLC | 24 | 7.000% | $595,000 | 35.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 24 | 6.625% | $385,000 | 7.7% |
| Equity Prime Mortgage LLC | 23 | 6.250% | $325,000 | 23.3% |
| NEW DAY FINANCIAL, LLC | 22 | 6.740% | $245,000 | 54.2% |
| NFM, INC. | 22 | 6.625% | $340,000 | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 22 | 6.771% | $440,000 | 0.0% |
| LOWER, LLC | 21 | 6.625% | $305,000 | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 21 | 6.375% | $415,000 | 12.0% |
| Nations Lending Corporation | 21 | 6.500% | $325,000 | 10.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 21 | 10.500% | $485,000 | 12.5% |
| HOMEXPRESS MORTGAGE CORP. | 20 | 7.500% | $500,000 | 37.5% |
| JET DIRECT FUNDING CORP | 20 | 6.875% | $415,000 | 4.8% |
| 21st Mortgage Corporation | 19 | 10.770% | $105,000 | 64.1% |
| TRIAD FINANCIAL SERVICES, INC. | 19 | 8.730% | $155,000 | 31.2% |
| Bethpage Federal Credit Union | 19 | 6.875% | $255,000 | 54.8% |
| Northpointe Bank | 18 | 6.933% | $425,000 | 5.0% |
| MILLENIUM HOME MORTGAGE, LLC | 18 | 6.500% | $345,000 | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 17 | 6.500% | $395,000 | 15.0% |
| ALLIANT CREDIT UNION | 17 | 7.750% | $175,000 | 37.0% |
| Plains Commerce Bank | 17 | 6.625% | $475,000 | 0.0% |
| 1st Colonial Community Bank | 17 | 6.750% | $305,000 | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 16 | 6.625% | $330,000 | 26.9% |
| BPL MORTGAGE TRUST, LLC | 16 | 6.625% | $305,000 | 15.4% |
| NBKC BANK | 16 | 6.125% | $365,000 | 5.6% |
| Webster Bank, National Association | 16 | 6.250% | $1,160,000 | 15.8% |
| UNITED TELETECH FINANCIAL | 15 | 7.000% | $75,000 | 34.8% |
| Mortgage Right | 15 | 6.500% | $275,000 | 21.1% |
| MLB RESIDENTIAL LENDING, LLC | 15 | 6.750% | $335,000 | 5.9% |
| PLANET HOME LENDING, LLC | 15 | 5.750% | $485,000 | 16.7% |
| Charles Schwab Bank, SSB | 15 | 5.625% | $625,000 | 5.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 14 | 6.495% | $395,000 | 11.1% |
| OCMBC, INC. | 14 | 7.437% | $420,000 | 21.1% |
| PANORAMA MORTGAGE GROUP, LLC | 14 | 6.750% | $405,000 | 6.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 14 | 6.375% | $320,000 | 5.9% |
| CREDIT UNION OF NEW JERSEY, A FEDERAL CREDIT UNION | 13 | 8.990% | $105,000 | 40.9% |
| ATLANTIS MORTGAGE CO., INC. | 13 | 6.625% | $385,000 | 7.1% |
| GUILD MORTGAGE COMPANY | 13 | 6.625% | $405,000 | 17.7% |
| UBS Bank USA | 13 | 5.625% | $925,000 | 7.1% |
| RELIANCE FIRST CAPITAL, LLC | 13 | 6.500% | $315,000 | 0.0% |
| HEALTHCARE EMPLOYEES | 13 | 5.740% | $75,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 13 | 7.000% | $425,000 | 0.0% |
| USAA Federal Savings Bank | 12 | 6.375% | $355,000 | 40.9% |
| SUN WEST MORTGAGE COMPANY, INC. | 12 | 6.875% | $440,000 | 19.1% |
| ABL RPC Residential Credit Acquisition LLC | 12 | 11.625% | $320,000 | 42.9% |
| Wilmington Savings Fund Society, FSB | 12 | 7.250% | $280,000 | 20.0% |
| PROPONENT Federal Credit Union | 12 | 6.750% | $170,000 | 7.7% |
| First National Bank of America | 12 | 8.750% | $380,000 | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 11 | 6.125% | $465,000 | 8.3% |
| Municipal Credit Union | 11 | 5.875% | $725,000 | 25.0% |
| ABCO Federal Credit Union | 11 | 6.990% | $75,000 | 8.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 9.865% | $335,000 | 0.0% |
| EAST COAST CAPITAL CORP. | 11 | 7.125% | $305,000 | 0.0% |
| Peoples Security Bank and Trust Company | 11 | 1.990% | $425,000 | 15.4% |
| NATIONS DIRECT MORTGAGE, LLC | 11 | 6.625% | $355,000 | 8.3% |
| BAY EQUITY LLC | 11 | 6.750% | $375,000 | 0.0% |
| PINNACLE MORTGAGE, INC. | 11 | 6.625% | $485,000 | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 10 | 7.563% | $380,000 | 0.0% |
| Valon Mortgage, Inc. | 10 | 8.688% | $80,000 | 27.8% |
| SUCCESS MORTGAGE PARTNERS, INC. | 10 | 6.058% | $280,000 | 0.0% |
| Tomo Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| SOUTH RIVER MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GoodLeap, LLC | 9 | Under 10 loans | Under 10 loans | 14.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 9.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GARDEN SAVINGS FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 38.5% |
| LUXURY MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RESICENTRAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CITADEL FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Regal Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 7 | Under 10 loans | Under 10 loans | 16.7% |
| MERIDIAN BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| GENEVA FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Ascendia Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Stifel Bank and Trust | 7 | Under 10 loans | Under 10 loans | 12.5% |
| OCEANSIDE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NEW JERSEY LAW AND PUBLIC SAFETY CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 293 lenders each made 6 or fewer mortgages here, and are counted in the totals above.
Bank branches in Ocean County
132 FDIC-insured branches from 22 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| TD Bank, National Association | 16 | $5.3 billion |
| Wells Fargo Bank, National Association | 15 | $2.3 billion |
| Santander Bank, N.A. | 13 | $2.2 billion |
| OceanFirst Bank, National Association | 11 | $3.5 billion |
| JPMorgan Chase Bank, National Association | 10 | $2.7 billion |
| Bank of America, National Association | 9 | $1.9 billion |
| PNC Bank, National Association | 8 | $1.5 billion |
| Citizens Bank, National Association | 8 | $676.6 million |
| Provident Bank | 7 | $950.9 million |
| Manufacturers and Traders Trust Company | 7 | $509.3 million |
| Manasquan Bank | 5 | $853.5 million |
| Kearny Bank | 4 | $554.4 million |
| Fulton Bank, National Association | 4 | $385.6 million |
| Flagstar Bank, National Association | 4 | $245.6 million |
| First Commerce Bank | 3 | $700.7 million |
| The Bank of Princeton | 2 | $98.4 million |
| Truist Bank | 1 | $60.9 million |
| Unity Bank | 1 | $60.8 million |
| Apple Bank | 1 | $31.8 million |
| Crown Bank | 1 | $22.4 million |
| Dime Commercial Bank | 1 | $22.2 million |
| Metropolitan Commercial Bank | 1 | $20.9 million |
Closed since the 2025 survey
6 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 100 Mathistown Rd, Little Egg Harbor
- Provident Bank, 1216 Route 37 E, Toms River
- TD Bank, National Association, 230 Richmond Ave, Point Pleasant Beach
- TD Bank, National Association, 571 E Bay Ave, Manahawkin
- Wells Fargo Bank, National Association, 1853 Hooper Ave, Toms River
- Wells Fargo Bank, National Association, 242 S Main St, Barnegat
Get told when this changes
When the next year’s lending figures are out for Ocean County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.