Home›New Jersey›Ocean County›Home improvement loans
home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Ocean County, New Jersey

Fat Boy Data analyzed home improvement loan activity in Ocean County, New Jersey to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 8,129 applications were decided by 168 lenders between 2023 and 2025.

Ocean County at a glance

168Active lenders41 with 20+ decisions
62.0%Market approval rate5,042 of 8,129 decided
$105KTypical loanmedian lender, $10K brackets
95%Borrower take-up4,765 loans funded

How Ocean County compares

Approval rate compared
Ocean County62.0%New Jersey59.7%All 616 counties62.7%
Typical loan compared
Ocean County$105KNew Jersey$105KAll 616 counties$75K

What the data shows

TD Bank, National Association made the most home improvement loans in Ocean County, NJ, 935 of them.

New Jersey Law and Public Safety Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 100% of 22.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 41 lenders with 20+ decisions here
0%25%50%75%100%Fourleaf: 31% approved of 45Discover Bank: 35% approved of 386Spring Eq, LLC: 37% approved of 194U.S. Bank National Association: 40% approved of 93Truist Bank: 40% approved of 42Bank of America, National Association: 45% approved of 871Pentagon Federal Credit Union: 45% approved of 85Third Federal Savings And Loan Association Of Cleveland: 49% approved of 115Northfield Bank: 52% approved of 42Manufacturers and Traders Trust Company: 53% approved of 249American Heritage FCU: 56% approved of 32Figure Lending LLC: 58% approved of 203Loandepot.Com, LLC: 58% approved of 24Police & Fire Federal Credit Union: 60% approved of 77OceanFirst Bank, National Association: 60% approved of 343TOWER Federal Credit Union: 61% approved of 49First Financial Federal Credit Union: 61% approved of 253New American Funding, LLC: 62% approved of 26Lakeland Bank: 62% approved of 111Citizens Bank, National Association: 64% approved of 806Provident Bank: 64% approved of 104Guaranteed Rate, Inc.: 65% approved of 26Fulton Bank, National Association: 66% approved of 209TD Bank, National Association: 67% approved of 1,408PNC Bank, National Association: 68% approved of 761Navy Federal Credit Union: 72% approved of 156United Teletech Financial: 76% approved of 50Nationstar Mortgage LLC: 77% approved of 65First Atlantic Federal Credit Union: 77% approved of 57Affinity: 78% approved of 72Valley National Bank: 78% approved of 63Rocket Mortgage, LLC: 78% approved of 51Manasquan Bank: 81% approved of 178Columbia Bank: 83% approved of 24Credit Union of New Jersey, A Federal Credit Union: 88% approved of 33Homebridge Financial Services, Inc.: 93% approved of 58Lendage, LLC: 94% approved of 35Glendenning Mortgage Corporation: 98% approved of 47Coastal Community Bank: 99% approved of 180New Jersey Law and Public Safety Credit Union: 100% approved of 22Healthcare Employees: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Ocean County

LenderApprovalApprovedTaken upTypical loanLoans made
1TD Bank, National Association67%950 / 1,40898%$105K935
2Bank of America, National Association45%388 / 87197%$105K376
3Citizens Bank, National Association64%518 / 80698%$145K510
4PNC Bank, National Association68%521 / 76198%$105K508
5Discover Bank35%135 / 38699%$75K133

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 163 more lenders.

Free. One email unlocks the whole market.

You are seeing the 5 largest home improvement loan lenders in Ocean County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • How reachable each lender is

We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.

Other lending data for Ocean County

Mortgage lenders in Ocean CountyCash-out refinance in Ocean CountyRefinance in Ocean CountyInvestment property purchase in Ocean CountyInvestment cash-out refinance in Ocean CountyInvestment refinance in Ocean CountyInvestment home improvement in Ocean County

Nearby markets

All lending in Ocean CountyCounty overviewHome improvement loans across New JerseyStatewideAtlantic CountyNearby countyBurlington CountyNearby countyMonmouth CountyNearby county