Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Ocean County, New Jersey
Every institution that decided a 1–4 unit mortgage application in Ocean County, home to Point Pleasant, between 2023 and 2025: 51,613 applications, 39,315 loans actually funded, across 8 kinds of borrowing.
Ocean County at a glance
51,613Applications decided
2023–2025
39,315Loans funded
76% of decisions
144Census tracts
28 ZIP codes
646,434People
ACS 2023
What the data shows
The typical purchase mortgage here is $345K.
Investment home improvement is the hardest money to get here: lenders approved 59% of 762 applications.
Lending by loan type in Ocean County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.5% | 19,919 | $345K | 96% | 410 |
| Home improvement loans | 62.0% | 8,129 | $105K | 95% | 168 |
| Cash-out refinance | 72.2% | 8,772 | $215K | 95% | 267 |
| Refinance | 76.2% | 6,231 | $205K | 94% | 259 |
| Investment property purchase | 90.9% | 5,466 | $405K | 96% | 348 |
| Investment cash-out refinance | 80.1% | 1,259 | $355K | 94% | 179 |
| Investment refinance | 80.9% | 1,075 | $425K | 92% | 174 |
| Investment home improvement | 59.3% | 762 | $245K | 94% | 79 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.