Lender profile · HMDA 2023–2025
OceanFirst Bank, National Association mortgage approval rates & lending data
OceanFirst Bank, National Association decided 5,606 mortgage applications and funded 4,452 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 3,082 / 3,231 | 90% | $365K | 2,786 |
| Home improvement loans | 58% | 482 / 836 | 88% | $55K | 426 |
| Cash-out refinance | 94% | 121 / 129 | 88% | $315K | 106 |
| Refinance | 87% | 634 / 732 | 90% | $185K | 571 |
| Investment property purchase | 94% | 510 / 540 | 91% | $435K | 466 |
| Investment cash-out refinance | 100% | 30 / 30 | 97% | $255K | 29 |
| Investment refinance | 84% | 46 / 55 | 85% | $275K | 39 |
| Investment home improvement | 58% | 31 / 53 | 94% | $255K | 29 |
OceanFirst Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 87% | $365K | 4,575 | 3,583 |
| Pennsylvania | 95% | $285K | 549 | 469 |
| Florida | 90% | $295K | 104 | 79 |
| Virginia | 94% | $615K | 64 | 56 |
| Maryland | 98% | $485K | 55 | 51 |
| New York | 85% | $615K | 46 | 34 |
| Texas | 97% | $175K | 31 | 25 |
| Connecticut | 96% | $505K | 25 | 21 |
| Delaware | 96% | $325K | 23 | 20 |
| Michigan | 100% | $195K | 20 | 18 |
| North Carolina | 100% | $245K | 17 | 14 |
| District of Columbia | 100% | $615K | 14 | 12 |
| Ohio | 100% | $105K | 11 | 9 |
| South Carolina | 100% | $295K | 10 | 10 |
| Tennessee | 90% | $265K | 10 | 8 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.