Applications / Mortgage Analytics / Lenders / New Jersey / OceanFirst Bank
Toms River, NJ · National bank · OCC · $14.5 billion assets · 2,638 loans in 2025
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2,638
loans originated, 2025
3,613
applications, 2025
32
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
OceanFirst Bank is a New Jersey purchase lender whose originations rose 41% in 2025, far faster than similar national banks, with larger loans than most of them.
Similar lenders are national banks making between half and twice as many loans. OceanFirst Bank's originations rose 41% to 2,638, against 11% for similar lenders and 10% for the whole market, higher than about four in five of them. That took it past the 2,436 it made in 2020, after a low of 1,214 in 2023. Purchases were 68.6% of its loans, and it bought none from other lenders.
Its typical loan was $335,000 against $215,000, higher than about four in five similar lenders. It lent $1.17 billion, against $695.4 million for the typical similar lender. Jumbo loans (larger than the conforming limit) were 2.8% against 1.9%, down from 15.8% five years before.
38.2% of its loans were in majority-minority areas, against 19.0% a year earlier, 4.6% five years before and 9.2% at similar lenders, higher than about six in seven of them. LMI (low- and moderate-income) areas took 21.3% against 14.1%, while its share to LMI borrowers, 25.6%, was near the middle.
It ranks 8 of 423 in Atlantic City-Hammonton, where its share fell to 2.8% from 3.2%, and 17 of 365 in Trenton-Princeton, where it rose to 1.3% from 0.6%. With its total lending up 41%, the Atlantic City dip could reflect growth placed elsewhere rather than a retreat.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. OceanFirst Bank took 3,613 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.6% · Refinance 17.0% · Other 8.9% · Home improvement 5.5%
Conventional 96.4% · FHA 2.5% · VA 1.1% · of 2,638 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Jersey | 2,071 | 78.5% |
| Pennsylvania | 289 | 11.0% |
| Florida | 42 | 1.6% |
| Virginia | 35 | 1.3% |
| Maryland | 26 | 1.0% |
| Texas | 26 | 1.0% |
| New York | 25 | 0.9% |
| North Carolina | 17 | 0.6% |
| Connecticut | 13 | 0.5% |
| South Carolina | 12 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 1,068 |
| Camden | 352 |
| Atlantic City-Hammonton | 345 |
| Philadelphia | 191 |
| Newark | 100 |
| Trenton-Princeton | 82 |
| New York-Jersey City-White Plains | 76 |
| Montgomery County-Bucks County-Chester County | 58 |
| Vineland | 44 |
| Arlington-Alexandria-Reston | 23 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002N5168AC238149 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 85472 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41437 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1701437 | 2011–2017 |
Established 1 January 1902. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: OceanFirst Bank's data.
OceanFirst Bank's data
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