Oceanfirst Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Oceanfirst Bank, National Association 2021 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 | 3,351 |
| Total Mortgage Loan Application Amount | $1,688,655,000 |
| Average Mortgage Loan Application Amount | $392,600 |
| Highest Mortgage Loan Application Amount | $32,005,000 |
| Average Applicant Income | $204,800 |
| Highest Applicant Income | $7,479,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 1,091 | $ 324,425,000 | $ 297,000 | $ 184,000 |
| Monmouth County New Jersey | 439 | $ 206,785,000 | $ 471,000 | $ 280,000 |
| Cape May County New Jersey | 407 | $ 181,665,000 | $ 446,000 | $ 262,000 |
| Atlantic County New Jersey | 359 | $ 102,585,000 | $ 285,000 | $ 213,000 |
| Cumberland County New Jersey | 106 | $ 11,340,000 | $ 106,000 | $ 98,000 |
| Camden County New Jersey | 67 | $ 20,045,000 | $ 299,000 | $ 168,000 |
| Gloucester County New Jersey | 62 | $ 14,090,000 | $ 227,000 | $ 218,000 |
| Burlington County New Jersey | 61 | $ 22,175,000 | $ 363,000 | $ 206,000 |
| Philadelphia County Pennsylvania | 38 | $ 107,990,000 | $ 2,841,000 | $ 220,000 |
| Mercer County New Jersey | 36 | $ 20,250,000 | $ 562,000 | $ 309,000 |
| Middlesex County New Jersey | 30 | $ 24,230,000 | $ 807,000 | $ 189,000 |
| Los Angeles County California | 23 | $ 16,805,000 | $ 730,000 | $ 0 |
| Morris County New Jersey | 22 | $ 14,580,000 | $ 662,000 | $ 274,000 |
| Union County New Jersey | 21 | $ 10,525,000 | $ 501,000 | $ 253,000 |
| Maricopa County Arizona | 20 | $ 15,470,000 | $ 773,000 | $ 0 |
| Cook County Illinois | 20 | $ 13,530,000 | $ 676,000 | $ 0 |
| Bucks County Pennsylvania | 19 | $ 13,765,000 | $ 724,000 | $ 407,000 |
| Bergen County New Jersey | 18 | $ 9,150,000 | $ 508,000 | $ 334,000 |
| Somerset County New Jersey | 16 | $ 7,150,000 | $ 446,000 | $ 219,000 |
| Fulton County Georgia | 15 | $ 11,295,000 | $ 753,000 | $ 0 |
| Kings County New York | 15 | $ 73,575,000 | $ 4,905,000 | $ 173,000 |
| New York County New York | 15 | $ 87,875,000 | $ 5,858,000 | $ 708,000 |
| Denver County Colorado | 13 | $ 10,985,000 | $ 845,000 | $ 0 |
| Hunterdon County New Jersey | 13 | $ 4,685,000 | $ 360,000 | $ 174,000 |
| Travis County Texas | 13 | $ 10,345,000 | $ 795,000 | $ 0 |
| Essex County New Jersey | 12 | $ 6,400,000 | $ 533,000 | $ 184,000 |
| Chester County Pennsylvania | 12 | $ 6,050,000 | $ 504,000 | $ 136,000 |
| Dallas County Texas | 11 | $ 10,055,000 | $ 914,000 | $ 0 |
| Hudson County New Jersey | 10 | $ 5,120,000 | $ 512,000 | $ 280,000 |
| Montgomery County Pennsylvania | 10 | $ 3,960,000 | $ 396,000 | $ 226,000 |
| Queens County New York | 9 | $ 36,145,000 | $ 4,016,000 | $ 111,000 |
| Jefferson County Colorado | 8 | $ 7,100,000 | $ 887,000 | $ 0 |
| Passaic County New Jersey | 8 | $ 2,450,000 | $ 306,000 | $ 250,000 |
| Westchester County New York | 8 | $ 8,300,000 | $ 1,037,000 | $ 309,000 |
| Delaware County Pennsylvania | 8 | $ 3,520,000 | $ 440,000 | $ 248,000 |
| Palm Beach County Florida | 7 | $ 5,235,000 | $ 747,000 | $ 757,000 |
| Suffolk County New York | 7 | $ 11,375,000 | $ 1,625,000 | $ 457,000 |
| Miami-Dade County Florida | 6 | $ 3,940,000 | $ 656,000 | $ 0 |
| Harris County Texas | 6 | $ 4,920,000 | $ 820,000 | $ 0 |
| Fairfax County Virginia | 6 | $ 4,790,000 | $ 798,000 | $ 0 |
| Boulder County Colorado | 5 | $ 3,805,000 | $ 761,000 | $ 0 |
| Sussex County Delaware | 5 | $ 3,755,000 | $ 751,000 | $ 297,000 |
| District of Columbia County District Of Columbia | 5 | $ 23,565,000 | $ 4,713,000 | $ 0 |
| Martin County Florida | 5 | $ 8,475,000 | $ 1,695,000 | $ 2,098,000 |
| DeKalb County Georgia | 5 | $ 3,845,000 | $ 769,000 | $ 0 |
| Ada County Idaho | 5 | $ 3,815,000 | $ 763,000 | $ 0 |
| Lake County Illinois | 5 | $ 3,505,000 | $ 701,000 | $ 0 |
| Montgomery County Maryland | 5 | $ 4,075,000 | $ 815,000 | $ 0 |
| Salem County New Jersey | 5 | $ 665,000 | $ 133,000 | $ 96,000 |
| Mecklenburg County North Carolina | 5 | $ 5,525,000 | $ 1,105,000 | $ 0 |
| Beaufort County South Carolina | 5 | $ 3,905,000 | $ 781,000 | $ 318,000 |
| Charleston County South Carolina | 5 | $ 3,715,000 | $ 743,000 | $ 0 |
| Davidson County Tennessee | 5 | $ 4,415,000 | $ 883,000 | $ 0 |
| Collin County Texas | 5 | $ 3,685,000 | $ 737,000 | $ 0 |
| Salt Lake County Utah | 5 | $ 4,305,000 | $ 861,000 | $ 0 |
| San Francisco County California | 4 | $ 3,200,000 | $ 800,000 | $ 0 |
| Fairfield County Connecticut | 4 | $ 4,360,000 | $ 1,090,000 | $ 0 |
| Broward County Florida | 4 | $ 1,700,000 | $ 425,000 | $ 338,000 |
| DuPage County Illinois | 4 | $ 2,770,000 | $ 692,000 | $ 0 |
| Hennepin County Minnesota | 4 | $ 3,300,000 | $ 825,000 | $ 0 |
| Sussex County New Jersey | 4 | $ 1,110,000 | $ 277,000 | $ 160,000 |
| Nassau County New York | 4 | $ 3,400,000 | $ 850,000 | $ 1,200,000 |
| Williamson County Tennessee | 4 | $ 4,130,000 | $ 1,032,000 | $ 0 |
| Montgomery County Texas | 4 | $ 2,980,000 | $ 745,000 | $ 0 |
| Utah County Utah | 4 | $ 3,040,000 | $ 760,000 | $ 0 |
| Douglas County Colorado | 3 | $ 2,735,000 | $ 911,000 | $ 0 |
| Eagle County Colorado | 3 | $ 2,395,000 | $ 798,000 | $ 0 |
| Collier County Florida | 3 | $ 1,135,000 | $ 378,000 | $ 110,000 |
| Clark County Nevada | 3 | $ 2,385,000 | $ 795,000 | $ 0 |
| Bronx County New York | 3 | $ 9,255,000 | $ 3,085,000 | $ 57,000 |
| Orange County New York | 3 | $ 825,000 | $ 275,000 | $ 112,000 |
| Richmond County New York | 3 | $ 2,535,000 | $ 845,000 | $ 149,000 |
| Denton County Texas | 3 | $ 1,965,000 | $ 655,000 | $ 0 |
| Arlington County Virginia | 3 | $ 2,855,000 | $ 951,000 | $ 0 |
| Loudoun County Virginia | 3 | $ 2,945,000 | $ 981,000 | $ 0 |
| Jefferson County Alabama | 2 | $ 1,160,000 | $ 580,000 | $ 0 |
| Yavapai County Arizona | 2 | $ 1,450,000 | $ 725,000 | $ 0 |
| Marin County California | 2 | $ 1,110,000 | $ 555,000 | $ 0 |
| Orange County California | 2 | $ 880,000 | $ 440,000 | $ 0 |
| Santa Clara County California | 2 | $ 1,180,000 | $ 590,000 | $ 0 |
| Arapahoe County Colorado | 2 | $ 1,390,000 | $ 695,000 | $ 0 |
| Brevard County Florida | 2 | $ 560,000 | $ 280,000 | $ 213,000 |
| Indian River County Florida | 2 | $ 950,000 | $ 475,000 | $ 87,000 |
| Manatee County Florida | 2 | $ 1,320,000 | $ 660,000 | $ 158,000 |
| Walton County Florida | 2 | $ 1,430,000 | $ 715,000 | $ 0 |
| Cobb County Georgia | 2 | $ 1,610,000 | $ 805,000 | $ 0 |
| Floyd County Georgia | 2 | $ 2,030,000 | $ 1,015,000 | $ 0 |
| Hamilton County Indiana | 2 | $ 1,660,000 | $ 830,000 | $ 0 |
| Johnson County Kansas | 2 | $ 2,180,000 | $ 1,090,000 | $ 0 |
| Baltimore County Maryland | 2 | $ 1,440,000 | $ 720,000 | $ 0 |
| Howard County Maryland | 2 | $ 990,000 | $ 495,000 | $ 0 |
| Suffolk County Massachusetts | 2 | $ 1,270,000 | $ 635,000 | $ 0 |
| Franklin County Ohio | 2 | $ 1,040,000 | $ 520,000 | $ 0 |
| Bexar County Texas | 2 | $ 3,890,000 | $ 1,945,000 | $ 0 |
| El Paso County Texas | 2 | $ 1,090,000 | $ 545,000 | $ 0 |
| Coconino County Arizona | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Pima County Arizona | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Benton County Arkansas | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Alameda County California | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Monterey County California | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Riverside County California | 1 | $ 325,000 | $ 325,000 | $ 0 |
| San Diego County California | 1 | $ 1,195,000 | $ 1,195,000 | $ 0 |
| San Mateo County California | 1 | $ 985,000 | $ 985,000 | $ 0 |
| Sonoma County California | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Adams County Colorado | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Gunnison County Colorado | 1 | $ 725,000 | $ 725,000 | $ 0 |
| La Plata County Colorado | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Park County Colorado | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Weld County Colorado | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Hartford County Connecticut | 1 | $ 765,000 | $ 765,000 | $ 0 |
| New London County Connecticut | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Duval County Florida | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Flagler County Florida | 1 | $ 795,000 | $ 795,000 | $ 0 |
| Highlands County Florida | 1 | $ 15,000 | $ 15,000 | $ 124,000 |
| Hillsborough County Florida | 1 | $ 955,000 | $ 955,000 | $ 0 |
| Lee County Florida | 1 | $ 845,000 | $ 845,000 | $ 280,000 |
| Monroe County Florida | 1 | $ 235,000 | $ 235,000 | $ 175,000 |
| Okaloosa County Florida | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Orange County Florida | 1 | $ 835,000 | $ 835,000 | $ 0 |
| Pinellas County Florida | 1 | $ 255,000 | $ 255,000 | $ 272,000 |
| Polk County Florida | 1 | $ 15,000 | $ 15,000 | $ 110,000 |
| Sarasota County Florida | 1 | $ 1,245,000 | $ 1,245,000 | $ 0 |
| St. Johns County Florida | 1 | $ 565,000 | $ 565,000 | $ 0 |
| St. Lucie County Florida | 1 | $ 205,000 | $ 205,000 | $ 115,000 |
| Sumter County Florida | 1 | $ 185,000 | $ 185,000 | $ 224,000 |
| Cherokee County Georgia | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Forsyth County Georgia | 1 | $ 955,000 | $ 955,000 | $ 0 |
| Gwinnett County Georgia | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Hall County Georgia | 1 | $ 1,265,000 | $ 1,265,000 | $ 0 |
| Honolulu County Hawaii | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Blaine County Idaho | 1 | $ 1,125,000 | $ 1,125,000 | $ 0 |
| Bonner County Idaho | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Canyon County Idaho | 1 | $ 745,000 | $ 745,000 | $ 0 |
| Kosciusko County Indiana | 1 | $ 395,000 | $ 395,000 | $ 0 |
| Marion County Indiana | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Dickinson County Iowa | 1 | $ 675,000 | $ 675,000 | $ 0 |
| Scott County Kentucky | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Cumberland County Maine | 1 | $ 455,000 | $ 455,000 | $ 0 |
| York County Maine | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 735,000 | $ 735,000 | $ 0 |
| Harford County Maryland | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Queen Anne's County Maryland | 1 | $ 1,085,000 | $ 1,085,000 | $ 0 |
| Worcester County Maryland | 1 | $ 685,000 | $ 685,000 | $ 0 |
| Middlesex County Massachusetts | 1 | $ 795,000 | $ 795,000 | $ 0 |
| Plymouth County Massachusetts | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Macomb County Michigan | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Oakland County Michigan | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Washtenaw County Michigan | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Washington County Minnesota | 1 | $ 1,305,000 | $ 1,305,000 | $ 0 |
| Gallatin County Montana | 1 | $ 985,000 | $ 985,000 | $ 0 |
| Carson City County Nevada | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Douglas County Nevada | 1 | $ 815,000 | $ 815,000 | $ 0 |
| Grafton County New Hampshire | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Hillsborough County New Hampshire | 1 | $ 955,000 | $ 955,000 | $ 0 |
| Dutchess County New York | 1 | $ 265,000 | $ 265,000 | $ 134,000 |
| Jefferson County New York | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Putnam County New York | 1 | $ 475,000 | $ 475,000 | $ 0 |
| Rockland County New York | 1 | $ 715,000 | $ 715,000 | $ 0 |
| Buncombe County North Carolina | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Granville County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 93,000 |
| Guilford County North Carolina | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Iredell County North Carolina | 1 | $ 885,000 | $ 885,000 | $ 0 |
| Montgomery County North Carolina | 1 | $ 1,015,000 | $ 1,015,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 975,000 | $ 975,000 | $ 0 |
| Orange County North Carolina | 1 | $ 765,000 | $ 765,000 | $ 0 |
| Person County North Carolina | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Wake County North Carolina | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Ottawa County Ohio | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Oklahoma County Oklahoma | 1 | $ 875,000 | $ 875,000 | $ 0 |
| Tulsa County Oklahoma | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Carbon County Pennsylvania | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Northampton County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 188,000 |
| Sullivan County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 40,000 |
| York County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 124,000 |
| Berkeley County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Oconee County South Carolina | 1 | $ 915,000 | $ 915,000 | $ 0 |
| Richland County South Carolina | 1 | $ 1,345,000 | $ 1,345,000 | $ 0 |
| Clay County Tennessee | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Chambers County Texas | 1 | $ 665,000 | $ 665,000 | $ 0 |
| Hays County Texas | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Hidalgo County Texas | 1 | $ 775,000 | $ 775,000 | $ 0 |
| Palo Pinto County Texas | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Parker County Texas | 1 | $ 1,275,000 | $ 1,275,000 | $ 0 |
| Waller County Texas | 1 | $ 625,000 | $ 625,000 | $ 0 |
| San Juan County Utah | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Summit County Utah | 1 | $ 435,000 | $ 435,000 | $ 684,000 |
| Chittenden County Vermont | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Alexandria County Virginia | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Fauquier County Virginia | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Henrico County Virginia | 1 | $ 585,000 | $ 585,000 | $ 0 |
| Louisa County Virginia | 1 | $ 635,000 | $ 635,000 | $ 0 |
| King County Washington | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Kenosha County Wisconsin | 1 | $ 585,000 | $ 585,000 | $ 0 |
Mortgage Loan Application Detail Totals for Oceanfirst Bank, National Association in 2021
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 | 1,209 | $787,905,000 | $651,000 | $9,755,000 | $285,000 | $3,535,000 |
| Refinancing | 985 | $645,785,000 | $655,000 | $32,005,000 | $208,000 | $7,479,000 |
| Other Purpose | 454 | $52,490,000 | $115,000 | $1,195,000 | $176,000 | $3,555,000 |
| Cash-out Refinancing | 384 | $172,910,000 | $450,000 | $2,535,000 | $199,000 | $2,055,000 |
| Home Improvement | 319 | $29,565,000 | $92,000 | $955,000 | $156,000 | $1,814,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,391 | $826,415,000 | $345,000 | $6,505,000 | $220,000 | $7,479,000 |
| Not applicable | 493 | $700,965,000 | $1,421,000 | $32,005,000 | $0 | $0 |
| Not Provided | 270 | $93,600,000 | $346,000 | $2,855,000 | $252,000 | $1,890,000 |
| Hispanic | 73 | $20,615,000 | $282,000 | $1,205,000 | $160,000 | $523,000 |
| Asian | 70 | $35,850,000 | $512,000 | $4,165,000 | $267,000 | $3,535,000 |
| Black or African American | 36 | $6,350,000 | $176,000 | $965,000 | $162,000 | $613,000 |
| American Indian or Alaskan Native | 10 | $810,000 | $81,000 | $265,000 | $99,000 | $350,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $1,290,000 | $645,000 | $945,000 | $356,000 | $522,000 |
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) | 3,348 | $1,687,940,000 | $504,000 | $32,005,000 | $221,000 | $7,479,000 |
| VA-guaranteed (Veterans Administration) | 2 | $640,000 | $320,000 | $345,000 | $79,000 | $97,000 |
| FHA-insured (Federal Housing Administration) | 1 | $75,000 | $75,000 | $75,000 | $34,000 | $34,000 |
| 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 | 2,120 | $1,128,050,000 | $532,000 | $32,005,000 | $234,000 | $7,479,000 |
| Application Denied By Financial Institution | 476 | $106,580,000 | $223,000 | $16,325,000 | $146,000 | $2,278,000 |
| Loan Purchased By The Institution | 394 | $303,540,000 | $770,000 | $1,995,000 | $0 | $0 |
| Application Approved But Not Accepted | 186 | $63,000,000 | $338,000 | $5,245,000 | $220,000 | $2,278,000 |
| Application Withdrawn By Applicant | 168 | $81,310,000 | $483,000 | $19,785,000 | $274,000 | $3,555,000 |
| File Closed For Incompleteness | 7 | $6,175,000 | $882,000 | $1,855,000 | $415,000 | $779,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 2,875 | $1,582,075,000 | $550,000 | $32,005,000 | $236,000 | $7,479,000 |
| Debt-To-Income Ratio | 165 | $38,105,000 | $230,000 | $1,505,000 | $86,000 | $509,000 |
| Collateral | 163 | $40,375,000 | $247,000 | $16,325,000 | $196,000 | $2,278,000 |
| Credit History | 116 | $14,450,000 | $124,000 | $6,005,000 | $123,000 | $2,099,000 |
| Other | 18 | $6,980,000 | $387,000 | $1,505,000 | $268,000 | $1,339,000 |
| Unverifiable Information | 8 | $4,020,000 | $502,000 | $1,305,000 | $254,000 | $1,200,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,135,000 | $711,000 | $1,085,000 | $475,000 | $1,030,000 |
| Employment History | 2 | $330,000 | $165,000 | $255,000 | $95,000 | $95,000 |
| Credit Application Incomplete | 1 | $185,000 | $185,000 | $185,000 | $396,000 | $396,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oceanfirst Bank, National Association's 2021 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.