Oceanfirst Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2017
Oceanfirst Bank, National Association 2017 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Oceanfirst Bank, National Association 975 Hooper Avenue Toms River, NJ 08753 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,694 |
| Total Mortgage Loan Application Amount | $488,426,000 |
| Average Mortgage Loan Application Amount | $263,666 |
| Highest Mortgage Loan Application Amount | $20,000,000 |
| Average Applicant Income | $147,000 |
| Highest Applicant Income | $2,710,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2017 with Oceanfirst Bank, National Association. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Oceanfirst Bank, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2017 breaks down Oceanfirst Bank, National Association's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Oceanfirst Bank, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Oceanfirst Bank, National Association, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Oceanfirst Bank, National Association's mortgage activity for 2017.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Ocean County New Jersey | 773 | $ 170,788,000 | $ 220,000 | $ 142,000 |
| Cape May County New Jersey | 286 | $ 110,493,000 | $ 386,000 | $ 258,000 |
| Atlantic County New Jersey | 224 | $ 37,956,000 | $ 169,000 | $ 151,000 |
| Monmouth County New Jersey | 164 | $ 66,073,000 | $ 402,000 | $ 142,000 |
| Cumberland County New Jersey | 53 | $ 3,650,000 | $ 68,000 | $ 71,000 |
| Morris County New Jersey | 28 | $ 11,280,000 | $ 402,000 | $ 61,000 |
| Somerset County New Jersey | 20 | $ 9,071,000 | $ 453,000 | $ 73,000 |
| Gloucester County New Jersey | 17 | $ 2,411,000 | $ 141,000 | $ 118,000 |
| Middlesex County New Jersey | 17 | $ 5,082,000 | $ 298,000 | $ 130,000 |
| Bergen County New Jersey | 16 | $ 10,747,000 | $ 671,000 | $ 294,000 |
| Burlington County New Jersey | 13 | $ 3,451,000 | $ 265,000 | $ 126,000 |
| Camden County New Jersey | 11 | $ 24,020,000 | $ 2,183,000 | $ 105,000 |
| Essex County New Jersey | 8 | $ 2,918,000 | $ 364,000 | $ 157,000 |
| Hudson County New Jersey | 7 | $ 6,557,000 | $ 936,000 | $ 44,000 |
| Union County New Jersey | 7 | $ 2,556,000 | $ 365,000 | $ 107,000 |
| Bucks County Pennsylvania | 5 | $ 2,294,000 | $ 458,000 | $ 276,000 |
| Hunterdon County New Jersey | 4 | $ 1,287,000 | $ 321,000 | $ 36,000 |
| Mercer County New Jersey | 3 | $ 585,000 | $ 195,000 | $ 215,000 |
| Passaic County New Jersey | 3 | $ 640,000 | $ 213,000 | $ 183,000 |
| Fairfield County Connecticut | 2 | $ 1,320,000 | $ 660,000 | $ 209,000 |
| Lee County Florida | 2 | $ 434,000 | $ 217,000 | $ 214,000 |
| St. Johns County Florida | 2 | $ 396,000 | $ 198,000 | $ 100,000 |
| Talbot County Maryland | 2 | $ 1,125,000 | $ 562,000 | $ 336,000 |
| Salem County New Jersey | 2 | $ 260,000 | $ 130,000 | $ 89,000 |
| Sussex County New Jersey | 2 | $ 528,000 | $ 264,000 | $ 536,000 |
| Richmond County New York | 2 | $ 864,000 | $ 432,000 | $ 199,000 |
| Philadelphia County Pennsylvania | 2 | $ 5,956,000 | $ 2,978,000 | $ 87,000 |
| Middlesex County Connecticut | 1 | $ 125,000 | $ 125,000 | $ 208,000 |
| Sussex County Delaware | 1 | $ 304,000 | $ 304,000 | $ 96,000 |
| Broward County Florida | 1 | $ 375,000 | $ 375,000 | $ 478,000 |
| Collier County Florida | 1 | $ 188,000 | $ 188,000 | $ 186,000 |
| Hernando County Florida | 1 | $ 136,000 | $ 136,000 | $ 162,000 |
| Indian River County Florida | 1 | $ 380,000 | $ 380,000 | $ 958,000 |
| Manatee County Florida | 1 | $ 392,000 | $ 392,000 | $ 399,000 |
| Palm Beach County Florida | 1 | $ 236,000 | $ 236,000 | $ 172,000 |
| Worcester County Maryland | 1 | $ 290,000 | $ 290,000 | $ 145,000 |
| Warren County New Jersey | 1 | $ 348,000 | $ 348,000 | $ 117,000 |
| Greene County New York | 1 | $ 250,000 | $ 250,000 | $ 330,000 |
| New York County New York | 1 | $ 425,000 | $ 425,000 | $ 688,000 |
| Queens County New York | 1 | $ 565,000 | $ 565,000 | $ 403,000 |
| Westchester County New York | 1 | $ 400,000 | $ 400,000 | $ 184,000 |
| Delaware County Pennsylvania | 1 | $ 594,000 | $ 594,000 | $ 147,000 |
| Lehigh County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 300,000 |
| Horry County South Carolina | 1 | $ 187,000 | $ 187,000 | $ 88,000 |
| Grand County Utah | 1 | $ 210,000 | $ 210,000 | $ 61,000 |
Mortgage Loan Application Detail Totals for Oceanfirst Bank, National Association in 2017
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 749 | $272,692,000 | $364,000 | $2,730,000 | $206,000 | $2,302,000 |
| Refinancing | 598 | $159,903,000 | $267,000 | $5,772,000 | $146,000 | $2,710,000 |
| Home Improvement | 347 | $55,831,000 | $160,000 | $20,000,000 | $89,000 | $614,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,344 | $334,998,000 | $249,000 | $2,475,000 | $168,000 | $2,710,000 |
| Not Provided | 159 | $48,240,000 | $303,000 | $1,500,000 | $235,000 | $1,955,000 |
| Not applicable | 126 | $92,294,000 | $732,000 | $20,000,000 | $4,000 | $261,000 |
| Hispanic | 33 | $6,292,000 | $190,000 | $2,155,000 | $118,000 | $975,000 |
| Asian | 16 | $4,502,000 | $281,000 | $1,500,000 | $205,000 | $688,000 |
| Black or African American | 11 | $1,170,000 | $106,000 | $285,000 | $71,000 | $144,000 |
| American Indian or Alaskan Native | 5 | $930,000 | $186,000 | $445,000 | $105,000 | $208,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,671 | $482,883,000 | $288,000 | $20,000,000 | $162,000 | $2,710,000 |
| FHA-insured (Federal Housing Administration) | 19 | $4,201,000 | $221,000 | $367,000 | $85,000 | $233,000 |
| VA-guaranteed (Veterans Administration) | 4 | $1,342,000 | $335,000 | $604,000 | $109,000 | $231,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,150 | $371,096,000 | $322,000 | $20,000,000 | $189,000 | $2,710,000 |
| Application Denied By Financial Institution | 307 | $41,189,000 | $134,000 | $1,000,000 | $90,000 | $534,000 |
| Loan Purchased By The Institution | 90 | $36,909,000 | $410,000 | $1,484,000 | $0 | $0 |
| Application Approved But Not Accepted | 88 | $18,660,000 | $212,000 | $2,155,000 | $154,000 | $1,028,000 |
| Application Withdrawn By Applicant | 47 | $14,576,000 | $310,000 | $1,500,000 | $237,000 | $1,645,000 |
| File Closed For Incompleteness | 11 | $5,772,000 | $524,000 | $1,180,000 | $243,000 | $750,000 |
| Preapproval Denied by Financial Institution | 1 | $224,000 | $224,000 | $224,000 | $127,000 | $127,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 113 | $10,954,000 | $96,000 | $580,000 | $82,000 | $396,000 |
| Debt-To-Income Ratio | 99 | $15,865,000 | $160,000 | $1,000,000 | $72,000 | $534,000 |
| Collateral | 57 | $8,389,000 | $147,000 | $604,000 | $129,000 | $350,000 |
| Other | 25 | $4,131,000 | $165,000 | $600,000 | $110,000 | $376,000 |
| Employment History | 8 | $743,000 | $92,000 | $225,000 | $70,000 | $228,000 |
| Unverifiable Information | 5 | $631,000 | $126,000 | $245,000 | $117,000 | $260,000 |
| Credit Application Incomplete | 1 | $700,000 | $700,000 | $700,000 | $100,000 | $100,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oceanfirst Bank, National Association's 2017 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Oceanfirst Bank, National Association's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.