Oceanfirst Bank Mortgage Lending & HMDA Data, 2025
In 2025, Oceanfirst Bank of Toms River, NJ reported 3,624 mortgage applications totaling $1.5 billion, up 27% from 2024. The average application was for $403,791, and applicants reported an average income of $198,665. 73% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Lakewood-New Brunswick, NJ (1,445), Atlantic City-Hammonton, NJ (501) and Camden, NJ (466) (applications in parentheses).
| Mortgage Company & Address | Oceanfirst Bank 975 Hooper Avenue Toms River, NJ 08753 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 3,624 |
| Total Mortgage Loan Application Amount | $1,463,340,000 |
| Average Mortgage Loan Application Amount | $403,791 |
| Highest Mortgage Loan Application Amount | $40,005,000 |
| Average Applicant Income | $198,665 |
| Highest Applicant Income | $4,072,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Oceanfirst Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lakewood-New Brunswick, NJ | 1,445 | $ 541,635,000 | $ 374,833 | $ 196,000 |
| Atlantic City-Hammonton, NJ | 501 | $ 159,685,000 | $ 318,732 | $ 256,000 |
| Camden, NJ | 466 | $ 151,510,000 | $ 325,128 | $ 166,000 |
| Philadelphia, PA | 243 | $ 157,365,000 | $ 647,592 | $ 127,000 |
| Newark, NJ-PA | 135 | $ 104,475,000 | $ 773,888 | $ 203,000 |
| Trenton, NJ | 109 | $ 43,525,000 | $ 399,311 | $ 163,000 |
| New York-Jersey City-White Plains, NY-NJ | 107 | $ 93,375,000 | $ 872,663 | $ 220,953 |
| Vineland-Bridgeton, NJ | 85 | $ 13,735,000 | $ 161,588 | $ 116,000 |
| Montgomery County-Bucks County-Chester County, PA | 76 | $ 29,250,000 | $ 384,868 | $ 243,000 |
| Outside any metro area | 70 | $ 23,760,000 | $ 339,428 | $ 316,057 |
| Wilmington, DE-MD-NJ | 34 | $ 10,470,000 | $ 307,941 | $ 268,647 |
| Arlington-Alexandria-Reston, VA-WV | 31 | $ 18,745,000 | $ 604,677 | $ 205,000 |
| Orlando-Kissimmee-Sanford, FL | 23 | $ 8,065,000 | $ 350,652 | $ 190,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 21 | $ 7,805,000 | $ 371,666 | $ 175,857 |
| Baltimore-Columbia-Towson, MD | 14 | $ 3,790,000 | $ 270,714 | $ 177,000 |
| Houston-The Woodlands-Sugar Land, TX | 14 | $ 2,730,000 | $ 195,000 | $ 155,000 |
| Washington-Baltimore-Arlington, DC | 14 | $ 6,970,000 | $ 497,857 | $ 158,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 2,935,000 | $ 326,111 | $ 169,000 |
| Pittsburgh, PA | 9 | $ 2,175,000 | $ 241,666 | $ 125,000 |
| Cleveland, OH | 8 | $ 1,530,000 | $ 191,250 | $ 219,000 |
| Dallas-Plano-Irving, TX | 8 | $ 2,160,000 | $ 270,000 | $ 200,000 |
| Indianapolis-Carmel-Anderson, IN | 8 | $ 1,580,000 | $ 197,500 | $ 97,000 |
| Nassau County-Suffolk County, NY | 7 | $ 4,685,000 | $ 669,285 | $ 325,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 7 | $ 3,285,000 | $ 469,285 | $ 427,000 |
| Bridgeport-Stamford-Norwalk, CT | 6 | $ 2,950,000 | $ 491,666 | $ 298,000 |
| Fort Worth-Arlington, TX | 6 | $ 1,420,000 | $ 236,666 | $ 120,000 |
| Cape Coral-Fort Myers, FL | 5 | $ 1,605,000 | $ 321,000 | $ 294,000 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 2,215,000 | $ 443,000 | $ 183,000 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 1,655,000 | $ 331,000 | $ 157,000 |
| Raleigh, NC | 5 | $ 1,645,000 | $ 329,000 | $ 137,000 |
| Chambersburg-Waynesboro, PA | 4 | $ 970,000 | $ 242,500 | $ 96,000 |
| Greenville-Anderson-Mauldin, SC | 4 | $ 1,050,000 | $ 262,500 | $ 115,000 |
| Knoxville, TN | 4 | $ 580,000 | $ 145,000 | $ 153,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 4 | $ 1,220,000 | $ 305,000 | $ 202,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 1,800,000 | $ 450,000 | $ 247,000 |
| Washington, DC-MD | 4 | $ 2,460,000 | $ 615,000 | $ 187,000 |
| Chicago-Naperville, IL | 3 | $ 1,085,000 | $ 361,666 | $ 150,000 |
| Goldsboro, NC | 3 | $ 785,000 | $ 261,666 | $ 111,000 |
| Greensboro-High Point, NC | 3 | $ 395,000 | $ 131,666 | $ 134,000 |
| Harrisburg-Carlisle, PA | 3 | $ 1,025,000 | $ 341,666 | $ 125,000 |
| Miami-Miami Beach-Kendall, FL | 3 | $ 4,885,000 | $ 1,628,333 | $ 825,000 |
| Naples-Immokalee-Marco Island, FL | 3 | $ 4,065,000 | $ 1,355,000 | $ 768,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 975,000 | $ 325,000 | $ 186,000 |
| Omaha-Council Bluffs, NE-IA | 3 | $ 805,000 | $ 268,333 | $ 112,000 |
| Richmond, VA | 3 | $ 965,000 | $ 321,666 | $ 136,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 3 | $ 695,000 | $ 231,666 | $ 153,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 445,000 | $ 148,333 | $ 124,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 1,015,000 | $ 338,333 | $ 145,000 |
| Austin-Round Rock, TX | 2 | $ 750,000 | $ 375,000 | $ 280,000 |
| Canton-Massillon, OH | 2 | $ 210,000 | $ 105,000 | $ 183,000 |
| Charleston-North Charleston, SC | 2 | $ 440,000 | $ 220,000 | $ 135,000 |
| Charlottesville, VA | 2 | $ 650,000 | $ 325,000 | $ 307,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 300,000 | $ 150,000 | $ 155,000 |
| El Paso, TX | 2 | $ 320,000 | $ 160,000 | $ 98,000 |
| Huntsville, AL | 2 | $ 300,000 | $ 150,000 | $ 247,000 |
| Lancaster, PA | 2 | $ 590,000 | $ 295,000 | $ 119,000 |
| Lansing-East Lansing, MI | 2 | $ 310,000 | $ 155,000 | $ 119,000 |
| Lynchburg, VA | 2 | $ 480,000 | $ 240,000 | $ 89,000 |
| Manchester-Nashua, NH | 2 | $ 800,000 | $ 400,000 | $ 122,000 |
| Montgomery, AL | 2 | $ 330,000 | $ 165,000 | $ 240,000 |
| Oklahoma City, OK | 2 | $ 330,000 | $ 165,000 | $ 169,000 |
| Reading, PA | 2 | $ 510,000 | $ 255,000 | $ 90,000 |
| Saginaw, MI | 2 | $ 530,000 | $ 265,000 | $ 118,000 |
| San Antonio-New Braunfels, TX | 2 | $ 820,000 | $ 410,000 | $ 252,000 |
| Springfield, MA | 2 | $ 830,000 | $ 415,000 | $ 150,000 |
| St. Petersburg-Clearwater-Largo, FL | 2 | $ 810,000 | $ 405,000 | $ 124,000 |
| Tampa, FL | 2 | $ 500,000 | $ 250,000 | $ 70,000 |
| Traverse City, MI | 2 | $ 690,000 | $ 345,000 | $ 160,000 |
| Tulsa, OK | 2 | $ 270,000 | $ 135,000 | $ 127,000 |
| Waterbury-Shelton, CT | 2 | $ 520,000 | $ 260,000 | $ 173,000 |
| Wilmington, NC | 2 | $ 380,000 | $ 190,000 | $ 137,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 495,000 | $ 495,000 | $ 394,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 155,000 | $ 155,000 | $ 81,000 |
| Barnstable Town, MA | 1 | $ 935,000 | $ 935,000 | $ 1,094,000 |
| Birmingham-Hoover, AL | 1 | $ 225,000 | $ 225,000 | $ 183,000 |
| Boise City, ID | 1 | $ 305,000 | $ 305,000 | $ 176,000 |
| Cincinnati, OH-KY-IN | 1 | $ 275,000 | $ 275,000 | $ 246,000 |
| Clarksville, TN-KY | 1 | $ 195,000 | $ 195,000 | $ 187,000 |
| Columbus, IN | 1 | $ 185,000 | $ 185,000 | $ 97,000 |
| Corpus Christi, TX | 1 | $ 185,000 | $ 185,000 | $ 231,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 565,000 | $ 565,000 | $ 254,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 15,000 | $ 15,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 75,000 | $ 75,000 | $ 343,000 |
| Dover, DE | 1 | $ 325,000 | $ 325,000 | $ 122,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 565,000 | $ 565,000 | $ 187,000 |
| Flint, MI | 1 | $ 165,000 | $ 165,000 | $ 88,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 105,000 | $ 105,000 | $ 53,000 |
| Gettysburg, PA | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 235,000 | $ 235,000 | $ 206,000 |
| Harrisonburg, VA | 1 | $ 255,000 | $ 255,000 | $ 48,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 245,000 | $ 245,000 | $ 93,000 |
| Jacksonville, FL | 1 | $ 395,000 | $ 395,000 | $ 288,000 |
| Kansas City, MO-KS | 1 | $ 6,505,000 | $ 6,505,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Lebanon, PA | 1 | $ 465,000 | $ 465,000 | $ 291,000 |
| Lexington Park, MD | 1 | $ 615,000 | $ 615,000 | $ 210,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 375,000 | $ 375,000 | $ 140,000 |
| Missoula, MT | 1 | $ 365,000 | $ 365,000 | $ 161,000 |
| Modesto, CA | 1 | $ 125,000 | $ 125,000 | $ 1,000,000 |
| New Haven-Milford, CT | 1 | $ 535,000 | $ 535,000 | $ 230,000 |
| Port St. Lucie, FL | 1 | $ 805,000 | $ 805,000 | $ 676,000 |
| Rochester, NY | 1 | $ 25,000 | $ 25,000 | $ 73,000 |
| Rockingham County-Strafford County, NH | 1 | $ 255,000 | $ 255,000 | $ 176,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 645,000 | $ 645,000 | $ 215,000 |
| San Diego-Carlsbad, CA | 1 | $ 355,000 | $ 355,000 | $ 135,000 |
| Santa Fe, NM | 1 | $ 305,000 | $ 305,000 | $ 109,000 |
| Sebastian-Vero Beach, FL | 1 | $ 345,000 | $ 345,000 | $ 300,000 |
| St. Louis, MO-IL | 1 | $ 205,000 | $ 205,000 | $ 40,000 |
| Tuscaloosa, AL | 1 | $ 285,000 | $ 285,000 | $ 112,000 |
| Waco, TX | 1 | $ 175,000 | $ 175,000 | $ 52,000 |
| Winchester, VA-WV | 1 | $ 615,000 | $ 615,000 | $ 194,000 |
| Winston-Salem, NC | 1 | $ 235,000 | $ 235,000 | $ 282,000 |
Mortgage Loan Application Detail Totals for Oceanfirst Bank in 2025
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 | 2,230 | $985,550,000 | $441,000 | $40,005,000 | $194,000 | $4,072,000 |
| Other Purpose | 506 | $81,890,000 | $161,000 | $2,455,000 | $202,000 | $3,963,000 |
| Refinancing | 467 | $276,695,000 | $592,000 | $28,855,000 | $215,000 | $3,941,000 |
| Home Improvement | 314 | $71,940,000 | $229,000 | $28,605,000 | $201,000 | $3,743,000 |
| Cash-out Refinancing | 107 | $47,265,000 | $441,000 | $4,005,000 | $202,000 | $1,721,000 |
| 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 | 1,991 | $658,915,000 | $330,000 | $4,005,000 | $218,000 | $4,072,000 |
| Asian | 559 | $257,855,000 | $461,000 | $2,005,000 | $194,000 | $1,131,000 |
| Not Provided | 479 | $188,245,000 | $392,000 | $2,025,000 | $197,000 | $3,498,000 |
| Hispanic | 343 | $109,145,000 | $318,000 | $1,505,000 | $141,000 | $1,809,000 |
| Black or African American | 214 | $62,820,000 | $293,000 | $1,315,000 | $118,000 | $756,000 |
| Not applicable | 31 | $182,595,000 | $5,890,000 | $40,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $3,590,000 | $598,000 | $2,805,000 | $247,000 | $925,000 |
| 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) | 3,480 | $1,402,490,000 | $403,000 | $40,005,000 | $201,000 | $4,072,000 |
| FHA-insured (Federal Housing Administration) | 97 | $37,505,000 | $386,000 | $985,000 | $121,000 | $243,000 |
| VA-guaranteed (Veterans Administration) | 47 | $23,345,000 | $496,000 | $1,305,000 | $154,000 | $418,000 |
| 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 | 2,638 | $1,165,020,000 | $441,000 | $40,005,000 | $201,000 | $4,072,000 |
| Application Denied By Financial Institution | 325 | $82,545,000 | $253,000 | $9,665,000 | $167,000 | $3,963,000 |
| Application Approved But Not Accepted | 322 | $118,180,000 | $367,000 | $2,735,000 | $192,000 | $2,191,000 |
| Application Withdrawn By Applicant | 271 | $83,605,000 | $308,000 | $3,005,000 | $224,000 | $3,941,000 |
| File Closed For Incompleteness | 57 | $10,325,000 | $181,000 | $1,555,000 | $190,000 | $2,185,000 |
| Preapproval Approved but not Accepted | 6 | $2,050,000 | $341,000 | $495,000 | $103,000 | $168,000 |
| Preapproval Denied by Financial Institution | 5 | $1,615,000 | $323,000 | $485,000 | $71,000 | $124,000 |
| Loan Purchased By The 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 | 3,294 | $1,379,180,000 | $418,000 | $40,005,000 | $201,000 | $4,072,000 |
| Debt-To-Income Ratio | 125 | $28,605,000 | $228,000 | $1,055,000 | $111,000 | $896,000 |
| Credit History | 73 | $7,365,000 | $100,000 | $555,000 | $93,000 | $450,000 |
| Collateral | 67 | $14,475,000 | $216,000 | $4,005,000 | $273,000 | $3,195,000 |
| Other | 49 | $24,275,000 | $495,000 | $9,665,000 | $264,000 | $3,963,000 |
| Unverifiable Information | 6 | $6,860,000 | $1,143,000 | $4,005,000 | $357,000 | $1,320,000 |
| Credit Application Incomplete | 5 | $675,000 | $135,000 | $455,000 | $138,000 | $237,000 |
| Employment History | 3 | $1,295,000 | $431,000 | $535,000 | $124,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $610,000 | $305,000 | $365,000 | $95,000 | $133,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Oceanfirst Bank's 2025 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'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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About