Mortgage lending in Ocean County, New Jersey
Lenders in Ocean County, New Jersey reported 29,365 mortgage applications for 2025, according to the CFPB.
29,365 mortgage applications and 17,244 loans originated in 2025; the denial rate was 21.1% of 23,063 applications decided. The median loan was about $295,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Monmouth-Ocean, NJ HUD Metro FMR Area.
- 29,365
- Applications
- 17,244
- Loans originated
- 21.1%
- Denial rate
- 4,855 denied of 23,063 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 29,365 | 17,244 |
| 2024 | 26,012 | 14,893 |
| 2023 | 24,002 | 13,355 |
| 2022 | 34,247 | 20,048 |
| 2021 | 56,581 | 36,726 |
| 2020 | 52,568 | 34,028 |
| 2019 | 35,509 | 21,195 |
| 2018 | 30,734 | 17,696 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 1,210 | 1,610 |
| PNC Bank N.A. | 853 | 1,367 |
| TD Bank | 830 | 1,528 |
| Citizens Bank, NA | 720 | 1,174 |
| United Wholesale Mortgage | 670 | 991 |
| Crosscountry Mortgage, LLC | 602 | 933 |
| Guaranteed Rate, Inc. | 511 | 754 |
| Pennymac Loan Services LLC | 484 | 805 |
| loanDepot.com LLC | 420 | 636 |
| Oceanfirst Bank | 400 | 624 |
| Bank of America NA | 389 | 933 |
| Advisors Mortgage Group, LLC | 387 | 479 |
| American Neighborhood Mortgage Acceptance Company | 379 | 523 |
| FM Home Loans LLC | 271 | 370 |
| CMG Mortgage Inc | 270 | 448 |
| JPMorgan Chase Bank, NA | 223 | 370 |
| Fulton Bank, National Association | 223 | 328 |
| Wells Fargo Bank NA | 218 | 326 |
| Manasquan Bank | 199 | 274 |
| Ark Mortgage, Inc. | 192 | 280 |
| The Loan Store, Inc | 190 | 259 |
| Paramount Residential Mortgage | 186 | 278 |
| Nationstar Mortgage | 176 | 256 |
| Newrez LLC | 174 | 523 |
| Freedom Mortgage Corporation | 160 | 366 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 110 | 36.9% of 84 decided |
| Asian | 495 | 23.9% of 380 decided |
| Black or African American | 567 | 34.0% of 423 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 22,835 | 19.8% of 18,242 decided |
| 2 or more minority races | 35 | no rate: base under 50 |
| Joint | 316 | 17.3% of 243 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 4,970 | 25.0% of 3,645 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,488 | 27.9% of 1,156 decided |
| Not Hispanic or Latino | 22,170 | 19.9% of 17,672 decided |
| Joint | 667 | 17.7% of 538 decided |
| Ethnicity Not Available | 5,015 | 24.7% of 3,678 decided |
| Free Form Text Only | 25 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 10,364 | 23.5% of 8,107 decided |
| Female | 6,066 | 23.3% of 4,757 decided |
| Joint | 10,163 | 16.3% of 8,219 decided |
| Sex Not Available | 2,772 | 25.4% of 1,980 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 315 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved