New Jersey · HMDA 2025
Mortgage lenders in Ocean County, NJ
481 lenders reported 34,338 home-loan applications in Ocean County in 2025. 17,244 closed as loans ($6.3B), 4,855 were denied — a 21.1% denial rate on decided applications, below the New Jersey rate of 22.9%. The three most active lenders handled 16% of applications, led by PNC Bank, National Association. 15 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 34,338
- Loans originated
- 17,244
- Purchase / refinance
- 7,532 / 5,704
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Ocean County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | PNC Bank, National Association 62 out of 100, Moderate | 1,964 | 5.7% | 33.8% |
| 2 | TD Bank, National Association 63 out of 100, Moderate | 1,741 | 5.1% | 35.3% |
| 3 | Rocket Mortgage, LLC | 1,630 | 4.7% | — |
| 4 | PENNYMAC LOAN SERVICES, LLC | 1,444 | 4.2% | — |
| 5 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1,294 | 3.8% | 14.1% |
| 6 | Citizens Bank, National Association 54 out of 100, Below average | 1,290 | 3.8% | 32.5% |
| 7 | Bank of America, National Association 59 out of 100, Moderate | 1,009 | 2.9% | 44.7% |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 995 | 2.9% | — |
| 9 | CROSSCOUNTRY MORTGAGE, INC. | 933 | 2.7% | — |
| 10 | GUARANTEED RATE, INC. | 798 | 2.3% | — |
| 11 | AMERIHOME MORTGAGE COMPANY, LLC | 725 | 2.1% | — |
| 12 | NEWREZ LLC | 691 | 2.0% | — |
| 13 | Loandepot.Com, LLC | 636 | 1.9% | — |
| 14 | OceanFirst Bank, National Association 63 out of 100, Moderate | 624 | 1.8% | 9.9% |
| 15 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 523 | 1.5% | — |
| 16 | NATIONSTAR MORTGAGE LLC | 482 | 1.4% | — |
| 17 | Advisors Mortgage Group, L.L.C. | 479 | 1.4% | — |
| 18 | CMG MORTGAGE, INC. | 467 | 1.4% | — |
| 19 | FREEDOM MORTGAGE CORPORATION | 448 | 1.3% | — |
| 20 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 400 | 1.2% | 22.2% |
| 21 | SPRING EQ, LLC | 394 | 1.1% | — |
| 22 | Coastal Community Bank 35 out of 100, Low | 392 | 1.1% | 3.0% |
| 23 | FM Home Loans, LLC | 370 | 1.1% | — |
| 24 | FIGURE LENDING LLC | 369 | 1.1% | — |
| 25 | Fulton Bank, National Association 65 out of 100, Moderate | 328 | 1.0% | 23.0% |
| 26 | Discover Bank | 324 | 0.9% | — |
| 27 | AmeriSave Mortgage Corporation | 320 | 0.9% | — |
| 28 | Broker Solutions, Inc. | 318 | 0.9% | — |
| 29 | Paramount Residential Mortgage Group, Inc. | 309 | 0.9% | — |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 303 | 0.9% | 32.9% |
| 31 | ARK MORTGAGE, INC. | 280 | 0.8% | — |
| 32 | Manasquan Bank 59 out of 100, Moderate | 274 | 0.8% | 10.8% |
| 33 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 269 | 0.8% | 32.9% |
| 34 | THE LOAN STORE, INC. | 259 | 0.8% | — |
| 35 | U.S. Bank National Association 55 out of 100, Moderate | 256 | 0.7% | 39.5% |
| 36 | LAKEVIEW LOAN SERVICING, LLC | 254 | 0.7% | — |
| 37 | Mortgage Research Center, LLC | 251 | 0.7% | — |
| 38 | The Federal Savings Bank 51 out of 100, Below average | 227 | 0.7% | 19.1% |
| 39 | DHI MORTGAGE COMPANY, LTD. | 223 | 0.6% | — |
| 40 | Provident Bank 63 out of 100, Moderate | 209 | 0.6% | 31.2% |
Top 40 of 481 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New Jersey
- Bergen County 32,268 apps
- Monmouth County 30,559 apps
- Middlesex County 29,732 apps
- Essex County 26,337 apps
- Camden County 24,224 apps
- Burlington County 23,660 apps
- Morris County 20,702 apps
- Union County 18,761 apps
- Gloucester County 16,106 apps
- Hudson County 15,876 apps
- Passaic County 15,595 apps
- Mercer County 14,707 apps