Refinancing lenders in Ocean County
2,643 refinancing mortgages were made in Ocean County, New Jersey, in 2025, by 265 lenders. The median rate their borrowers got was 6.375% on a median loan of $305,000. Of 3,465 decisions, 660 were denials — 19.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| PNC Bank, National Association | 293 | 0.250% | $155,000 | 24.9% |
| TD Bank, National Association | 235 | 7.540% | $175,000 | 24.8% |
| Citizens Bank, National Association | 198 | 7.400% | $205,000 | 26.2% |
| Rocket Mortgage, LLC | 172 | 5.990% | $335,000 | 17.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 164 | 5.999% | $415,000 | 12.0% |
| FM Home Loans, LLC | 96 | 6.990% | $455,000 | 0.0% |
| Bank of America, National Association | 75 | 6.240% | $135,000 | 33.9% |
| PENNYMAC LOAN SERVICES, LLC | 65 | 5.990% | $405,000 | 8.0% |
| FREEDOM MORTGAGE CORPORATION | 60 | 6.125% | $350,000 | 8.2% |
| OceanFirst Bank, National Association | 54 | 8.500% | $180,000 | 15.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 50 | 6.125% | $400,000 | 3.7% |
| Manasquan Bank | 47 | 6.750% | $165,000 | 3.9% |
| Fulton Bank, National Association | 45 | 6.000% | $645,000 | 28.6% |
| GUARANTEED RATE, INC. | 40 | 6.125% | $530,000 | 2.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 36 | 5.990% | $425,000 | 2.7% |
| Loandepot.Com, LLC | 31 | 6.125% | $415,000 | 13.5% |
| CMG MORTGAGE, INC. | 28 | 6.745% | $280,000 | 11.4% |
| NEWREZ LLC | 27 | 6.250% | $485,000 | 32.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 25 | 5.875% | $425,000 | 7.5% |
| Advisors Mortgage Group, L.L.C. | 24 | 6.490% | $335,000 | 14.3% |
| ARK MORTGAGE, INC. | 24 | 6.625% | $455,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 24 | 6.313% | $225,000 | 10.7% |
| Third Federal Savings and Loan Association of Cleveland | 23 | 6.990% | $255,000 | 35.1% |
| JPMorgan Chase Bank, National Association | 23 | 5.990% | $365,000 | 11.1% |
| LONGBRIDGE FINANCIAL, LLC | 22 | 6.500% | $260,000 | 0.0% |
| GLENDENNING MORTGAGE CORPORATION | 20 | 6.625% | $345,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 19 | 5.990% | $455,000 | 47.6% |
| Paramount Residential Mortgage Group, Inc. | 18 | 6.120% | $410,000 | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 17 | 6.375% | $315,000 | 5.6% |
| Amboy Bank | 17 | Not published | $105,000 | 19.1% |
| Lendage, LLC | 17 | 11.000% | $135,000 | 5.6% |
| Manufacturers and Traders Trust Company | 16 | 5.990% | $160,000 | 42.9% |
| NATIONSTAR MORTGAGE LLC | 16 | 5.990% | $315,000 | 15.8% |
| Mortgage Research Center, LLC | 15 | 5.875% | $345,000 | 46.4% |
| FINANCE OF AMERICA REVERSE LLC | 15 | 6.625% | $235,000 | 16.7% |
| Wells Fargo Bank, National Association | 15 | 6.000% | $195,000 | 11.8% |
| U.S. Bank National Association | 14 | 5.933% | $455,000 | 6.7% |
| PHH Mortgage Corporation | 13 | 6.000% | $245,000 | 13.3% |
| THE LOAN STORE, INC. | 13 | 6.625% | $405,000 | 6.7% |
| Skyrock Mortgage Corp | 13 | 6.500% | $485,000 | 0.0% |
| PLANET HOME LENDING, LLC | 13 | 5.750% | $485,000 | 7.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 12 | 6.375% | $350,000 | 20.0% |
| CHAMPIONS FUNDING, LLC | 12 | 7.625% | $475,000 | 25.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 12 | 6.438% | $270,000 | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 11 | 6.625% | $345,000 | 0.0% |
| Luminate Bank | 11 | 5.990% | $425,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 10 | 6.062% | $410,000 | 8.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 10 | 6.688% | $595,000 | 0.0% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 73.0% |
| SOUTH RIVER MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PENTAGON FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| EMM LOANS LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| NQM FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 23.1% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 50.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 10.0% |
| NORWICH COMMERCIAL GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| BOND STREET MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Navy Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Wilmington Savings Fund Society, FSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Webster Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Columbia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 11.1% |
| MILEND, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| FOUNDATION MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROPONENT Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 3 | Under 10 loans | Under 10 loans | 44.4% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| INTELLILOAN, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ATLANTIS MORTGAGE CO., INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ATLANTIC FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MILLENIUM HOME MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ascendia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kearny Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 60.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Municipal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Provident Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLICE & FIRE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JERSEY SHORE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHTECHLENDING INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dime Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500CBWD5B079K2C86 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDING CAPITAL GROUP Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED POLES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bogota Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Regal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAY SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magyar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDEN SAVINGS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Univest Bank and Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Commonwealth Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 65 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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.