OceanFirst Bank, National Association mortgage approval rate & lending review
OceanFirst Bank, National Association decided 5,606 mortgage applications and funded 4,452 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions OceanFirst Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
OceanFirst Bank, National Association at a glance
Approval is 6.6 points above the 81.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 3,082 / 3,231 | 90% | $365K | 2,786 |
| Home improvement loans | 58% | 482 / 836 | 88% | $55K | 426 |
| Cash-out refinance | 94% | 121 / 129 | 88% | $315K | 106 |
| Refinance | 87% | 634 / 732 | 90% | $185K | 571 |
| Investment property purchase | 94% | 510 / 540 | 91% | $435K | 466 |
| Investment cash-out refinance | 100% | 30 / 30 | 97% | $255K | 29 |
| Investment refinance | 84% | 46 / 55 | 85% | $275K | 39 |
| Investment home improvement | 58% | 31 / 53 | 94% | $255K | 29 |
OceanFirst Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 87% | $365K | 4,575 | 3,583 |
| Pennsylvania | 95% | $285K | 549 | 469 |
| Florida | 90% | $295K | 104 | 79 |
| Virginia | 94% | $615K | 64 | 56 |
| Maryland | 98% | $485K | 55 | 51 |
| New York | 85% | $615K | 46 | 34 |
| Texas | 97% | $175K | 31 | 25 |
| Connecticut | 96% | $505K | 25 | 21 |
| Delaware | 96% | $325K | 23 | 20 |
| Michigan | 100% | $195K | 20 | 18 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where OceanFirst Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ocean County, NJ | Mortgage lenders | 94% | 512 | 431 |
| Middlesex County, NJ | Mortgage lenders | 98% | 373 | 337 |
| Monmouth County, NJ | Mortgage lenders | 96% | 320 | 279 |
| Philadelphia County, PA | Mortgage lenders | 96% | 272 | 236 |
| Atlantic County, NJ | Mortgage lenders | 94% | 243 | 213 |
| Burlington County, NJ | Mortgage lenders | 94% | 233 | 200 |
| Ocean County, NJ | Home improvement loans | 60% | 343 | 192 |
| Camden County, NJ | Mortgage lenders | 96% | 209 | 182 |
| Ocean County, NJ | Refinance | 80% | 205 | 146 |
| Ocean County, NJ | Investment property purchase | 96% | 143 | 126 |
| Gloucester County, NJ | Mortgage lenders | 94% | 127 | 111 |
| Middlesex County, NJ | Refinance | 98% | 113 | 109 |
The county markets where OceanFirst Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about OceanFirst Bank, National Association
What is OceanFirst Bank, National Association's mortgage approval rate?
OceanFirst Bank, National Association approved 88.0% of the 5,606 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.6 points above the 81.5% national rate for the same mix of loan types.
How often do borrowers take the loan OceanFirst Bank, National Association offers?
Borrowers accepted 90% of the loans OceanFirst Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does OceanFirst Bank, National Association make?
The typical home purchase mortgage loan OceanFirst Bank, National Association made was $365K; across all loan types its typical loan ran from $55K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does OceanFirst Bank, National Association lend?
OceanFirst Bank, National Association decided applications in 33 of the states Fat Boy Data covers, most of them in New Jersey, Pennsylvania and Florida.
Can I apply to OceanFirst Bank, National Association directly?
Yes. OceanFirst Bank, National Association is a bank or credit union with 72 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show OceanFirst Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how OceanFirst Bank, National Association treats applications, then get a rate quote from the lender.