Home purchase lenders in Ocean County
7,524 home purchase mortgages were made in Ocean County, New Jersey, in 2025, by 381 lenders. The median rate their borrowers got was 6.625% on a median loan of $395,000. Of 8,619 decisions, 819 were denials — 9.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 419 | 6.750% | $385,000 | 3.9% |
| GUARANTEED RATE, INC. | 402 | 6.500% | $465,000 | 2.4% |
| Advisors Mortgage Group, L.L.C. | 323 | 6.625% | $365,000 | 2.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 291 | 6.625% | $425,000 | 10.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 272 | 6.750% | $365,000 | 3.5% |
| PENNYMAC LOAN SERVICES, LLC | 217 | 6.750% | $395,000 | 12.1% |
| Rocket Mortgage, LLC | 205 | 6.625% | $335,000 | 9.1% |
| CMG MORTGAGE, INC. | 193 | 6.750% | $335,000 | 6.2% |
| Loandepot.Com, LLC | 177 | 6.750% | $365,000 | 5.3% |
| FM Home Loans, LLC | 174 | 6.875% | $525,000 | 1.0% |
| OceanFirst Bank, National Association | 158 | 6.500% | $375,000 | 4.3% |
| DHI MORTGAGE COMPANY, LTD. | 155 | 6.500% | $455,000 | 8.1% |
| Paramount Residential Mortgage Group, Inc. | 140 | 6.625% | $370,000 | 4.8% |
| JPMorgan Chase Bank, National Association | 133 | 6.375% | $375,000 | 8.1% |
| Wells Fargo Bank, National Association | 131 | 6.125% | $345,000 | 13.8% |
| THE LOAN STORE, INC. | 129 | 7.125% | $455,000 | 5.4% |
| Citizens Bank, National Association | 122 | 6.375% | $460,000 | 16.1% |
| Bank of America, National Association | 117 | 5.875% | $475,000 | 18.4% |
| TD Bank, National Association | 105 | 6.625% | $405,000 | 27.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 102 | 6.625% | $350,000 | 1.9% |
| ARK MORTGAGE, INC. | 101 | 7.125% | $475,000 | 2.8% |
| The Federal Savings Bank | 98 | 6.750% | $385,000 | 2.0% |
| Fulton Bank, National Association | 96 | 6.375% | $1,110,000 | 10.3% |
| Mortgage Research Center, LLC | 75 | 6.125% | $395,000 | 6.3% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 70 | 6.750% | $305,000 | 5.3% |
| Loan Funder LLC | 68 | 9.870% | $325,000 | 11.7% |
| U.S. Bank National Association | 65 | 6.375% | $685,000 | 12.0% |
| PNC Bank, National Association | 63 | 6.375% | $325,000 | 20.3% |
| Skyrock Mortgage Corp | 62 | 6.625% | $475,000 | 0.0% |
| Luminate Bank | 59 | 6.750% | $385,000 | 3.3% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 59 | 6.875% | $315,000 | 3.3% |
| UNITED MORTGAGE CORP. | 59 | 6.750% | $365,000 | 2.8% |
| MOVEMENT MORTGAGE, LLC | 55 | 6.562% | $355,000 | 3.0% |
| GUARANTEED RATE AFFINITY, LLC | 55 | 6.575% | $315,000 | 5.2% |
| Prosperity Home Mortgage, LLC | 55 | 6.625% | $305,000 | 3.5% |
| Manasquan Bank | 55 | 6.750% | $425,000 | 7.8% |
| NJ LENDERS CORP. | 55 | 6.750% | $355,000 | 0.0% |
| Kiavi Funding, Inc. | 54 | 10.700% | $370,000 | 1.8% |
| NEWREZ LLC | 49 | 6.990% | $395,000 | 10.7% |
| KIND LENDING, LLC | 47 | 6.625% | $435,000 | 28.4% |
| GLENDENNING MORTGAGE CORPORATION | 46 | 6.875% | $360,000 | 8.0% |
| Broker Solutions, Inc. | 45 | 6.750% | $285,000 | 6.3% |
| CHAMPIONS FUNDING, LLC | 45 | 7.750% | $425,000 | 18.2% |
| NORWICH COMMERCIAL GROUP, INC. | 43 | 6.875% | $495,000 | 15.1% |
| Navy Federal Credit Union | 41 | 6.125% | $395,000 | 4.6% |
| Manufacturers and Traders Trust Company | 41 | 6.125% | $395,000 | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 40 | 6.625% | $375,000 | 7.0% |
| MORTGAGE ACCESS CORP. | 39 | 6.625% | $335,000 | 2.4% |
| AMERICAN FINANCIAL NETWORK, INC. | 39 | 6.750% | $425,000 | 4.9% |
| Morgan Stanley Private Bank, National Association | 37 | 5.950% | $815,000 | 7.5% |
| A&D Mortgage LLC | 36 | 6.875% | $485,000 | 5.1% |
| NVR Mortgage Finance, Inc. | 36 | 6.125% | $395,000 | 28.0% |
| Provident Bank | 36 | 6.125% | $355,000 | 5.3% |
| FIRST COLONY MORTGAGE CORPORATION | 35 | 6.625% | $365,000 | 10.4% |
| UNION HOME MORTGAGE CORP. | 34 | 6.500% | $350,000 | 2.9% |
| Kearny Bank | 34 | 5.995% | $405,000 | 5.6% |
| Commerce Home Mortgage, Inc. | 33 | 7.875% | $345,000 | 8.3% |
| Cornerstone First Mortgage, Inc | 32 | 6.990% | $425,000 | 3.0% |
| NQM FUNDING, LLC | 32 | 7.249% | $375,000 | 18.0% |
| Fairway Independent Mortgage Corporation | 32 | 6.875% | $460,000 | 3.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 32 | 9.500% | $355,000 | 0.0% |
| MLD MORTGAGE INC. | 29 | 6.375% | $285,000 | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 29 | 6.875% | $345,000 | 9.4% |
| Logan Finance Corporation | 28 | 7.374% | $450,000 | 9.7% |
| Gateway First Bank | 28 | 6.500% | $335,000 | 6.7% |
| Citadel Servicing Corporation | 27 | 7.500% | $485,000 | 0.0% |
| EMM LOANS LLC | 27 | 6.500% | $315,000 | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 27 | 6.750% | $415,000 | 3.6% |
| LENNAR MORTGAGE, LLC | 27 | 6.990% | $465,000 | 10.0% |
| Citibank, National Association | 25 | 6.250% | $795,000 | 6.9% |
| JMAC LENDING, INC. | 25 | 6.875% | $465,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 24 | 6.750% | $290,000 | 7.4% |
| BOND STREET MORTGAGE, LLC | 22 | 6.563% | $280,000 | 8.3% |
| EMBRACE HOME LOANS, INC. | 20 | 6.438% | $590,000 | 8.0% |
| 21st Mortgage Corporation | 19 | 10.770% | $105,000 | 64.1% |
| TRIAD FINANCIAL SERVICES, INC. | 19 | 8.730% | $155,000 | 30.0% |
| Flagstar Bank, N.A. | 19 | 6.750% | $315,000 | 32.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 19 | 10.500% | $485,000 | 13.6% |
| NFM, INC. | 19 | 6.625% | $335,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 18 | 6.625% | $365,000 | 5.3% |
| Unity Bank | 18 | 6.938% | $490,000 | 0.0% |
| JET DIRECT FUNDING CORP | 17 | 6.875% | $405,000 | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 16 | 6.375% | $425,000 | 10.5% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 16 | 6.563% | $410,000 | 15.8% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 16 | 6.875% | $355,000 | 0.0% |
| Emporium TPO LLC | 16 | 7.375% | $460,000 | 4.6% |
| ARC HOME LLC | 15 | 7.250% | $555,000 | 25.0% |
| Mortgage Right | 15 | 6.500% | $275,000 | 21.1% |
| Plains Commerce Bank | 15 | 6.625% | $515,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 14 | 7.000% | $595,000 | 39.1% |
| AMWEST FUNDING CORP. | 14 | 6.625% | $500,000 | 22.2% |
| PANORAMA MORTGAGE GROUP, LLC | 14 | 6.750% | $405,000 | 6.7% |
| Nations Lending Corporation | 14 | 6.563% | $320,000 | 5.9% |
| 1st Colonial Community Bank | 14 | 6.688% | $340,000 | 0.0% |
| ICE LENDER HOLDINGS LLC | 13 | 7.125% | $335,000 | 13.3% |
| MLB RESIDENTIAL LENDING, LLC | 13 | 6.750% | $335,000 | 7.1% |
| Charles Schwab Bank, SSB | 13 | 5.625% | $625,000 | 6.7% |
| GUILD MORTGAGE COMPANY | 12 | 6.688% | $390,000 | 18.8% |
| MILLENIUM HOME MORTGAGE, LLC | 12 | 6.625% | $345,000 | 0.0% |
| Northpointe Bank | 12 | 6.625% | $425,000 | 7.7% |
| Valley National Bank | 11 | 6.250% | $635,000 | 0.0% |
| NEXERA HOLDING LLC | 11 | 7.375% | $355,000 | 0.0% |
| Truist Bank | 11 | 6.625% | $595,000 | 15.4% |
| BAY EQUITY LLC | 11 | 6.750% | $375,000 | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 11 | 6.750% | $445,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 6.875% | $435,000 | 47.6% |
| OCMBC, INC. | 10 | 7.500% | $390,000 | 15.4% |
| DEEPHAVEN MORTGAGE LLC | 10 | 8.183% | $380,000 | 33.3% |
| ATLANTIS MORTGAGE CO., INC. | 10 | 6.625% | $400,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.563% | $455,000 | 28.6% |
| Webster Bank, National Association | 10 | 6.188% | $1,160,000 | 9.1% |
| First National Bank of America | 10 | 8.750% | $380,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 10 | 7.563% | $405,000 | 0.0% |
| Tomo Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 13.3% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| PLAZA HOME MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 41.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 9 | Under 10 loans | Under 10 loans | 15.4% |
| AFFINITY | 9 | Under 10 loans | Under 10 loans | 18.2% |
| UBS Bank USA | 9 | Under 10 loans | Under 10 loans | 10.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 7 | Under 10 loans | Under 10 loans | 16.7% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 9.1% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| RESICENTRAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Columbia Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 45.5% |
| COREVEST AMERICAN FINANCE LENDER LLC | 6 | Under 10 loans | Under 10 loans | 45.5% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Regal Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Bison State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Northfield Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Acre Mortgage & Financial, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NMSI, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Strong Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Bogota Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Spencer Savings Bank, SLA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 3 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Genisys Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| POLICE & FIRE | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Amboy Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ATLANTIC FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 3 | 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 181 lenders each made 3 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.