# OceanFirst Bank, National Association

> **Canonical URL:** https://saferate.com/lenders/oceanfirst-bank-national-association


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


OceanFirst Bank, National Association is a bank, headquartered in Toms River, NJ, serving borrowers across 26 states, with 1,346 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 6% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493002N5168AC238149
- **Headquarters:** Toms River, NJ
- **Geographic Reach:** Near-National
- **States Served:** 26
- **State List:** AL, CO, CT, DC, DE, FL, GA, KY, MA, MD, ME, MI, MS, NC, NH, NJ, NY, OH, OR, PA, SC, SD, TX, VA, VT, WV
- **Markets (MSAs):** 17
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 94/100
- Rating: ●●●●● (5/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** -0.219%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $-186
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,346
- **Dollar Volume:** $571 million
- **Applications Received:** 1,601
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $424,086
- **Average Borrower Income:** $194,018
- **Average Property Value:** $609,584

## Safe Rate Awards 🏆

- 💎 **Conventional Diamond Champion** (84%)
- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **Jumbo Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 1,208 | -0.236% | $-279 | Strong 😀 |
| FHA | 60/100 | 54 | +0.067% | $192 | Strong 😀 |
| VA | 43/100 | 29 | -0.552% | $1,419 | Sound ☺️ |
| Jumbo | 77/100 | 55 | +0.220% | $1,412 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,068 loans, Score: 77/100 (Strong)
- Refinance: 140 loans, Score: 65/100 (Strong)

**FHA:**
- Purchase: 49 loans, Score: 59/100 (Sound)

**VA:**
- Purchase: 26 loans, Score: 42/100 (Sound)

**Jumbo:**
- Purchase: 50 loans, Score: 77/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 76/100 | 1,193 | $513M | -0.260% | Strong 😀 |
| Refinance | 63/100 | 153 | $58M | +0.069% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NJ | 1,006 | 1.17% | 92/100 |
| PA | 166 | 0.14% | 67/100 |
| VA | 41 | 0.04% | 52/100 |
| MD | 31 | 0.04% | 49/100 |
| FL | 28 | 0.01% | 42/100 |
| MI | 14 | 0.01% | 40/100 |
| NY | 13 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Lakewood | NJ | 465 | 91/100 |
| Atlantic City | NJ | 201 | 91/100 |
| Camden, NJ | NJ | 185 | 79/100 |
| Philadelphia, PA | PA | 91 | 70/100 |
| Newark, NJ | NJ | 58 | 64/100 |
| Montgomery County | PA | 51 | 62/100 |
| New York | NY-NJ | 40 | 54/100 |
| Arlington | VA-WV | 30 | 51/100 |
| Trenton | NJ | 23 | 57/100 |
| Vineland, NJ | NJ | 22 | 54/100 |
| Non |  | 21 | 26/100 |
| Orlando | FL | 16 | 43/100 |
| Wilmington, DE |  | 16 | 46/100 |
| Frederick | MD | 12 | 42/100 |
| Allentown | PA-NJ | 11 | 41/100 |

## Where This Lender Ranks

OceanFirst Bank, National Association appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in New Jersey
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders)
- 🥇 **#1** in New Jersey Banks
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/banks)
- 🥇 **#1** in New Jersey for Conventional Loans
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in New Jersey for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in New Jersey for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Lakewood
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders)
- 🥇 **#1** in Lakewood Banks
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/banks)
- 🥇 **#1** in Lakewood for Conventional Loans
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Lakewood for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/lakewood/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Atlantic City
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders)
- 🥇 **#1** in Atlantic City Banks
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/banks)
- 🥇 **#1** in Atlantic City for Conventional Loans
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Atlantic City for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Camden, NJ Banks
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/banks)
- 🥇 **#1** in Camden, NJ for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Camden, NJ for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Philadelphia, PA Banks
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks)
- 🥇 **#1** in Philadelphia, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Philadelphia, PA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Newark, NJ
  - [View Full Rankings](https://saferate.com/newark-nj/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does OceanFirst Bank, National Association offer?

OceanFirst Bank, National Association offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does OceanFirst Bank, National Association offer mortgages?

OceanFirst Bank, National Association offers mortgages in 26 states: AL, CO, CT, DC, DE, FL, GA, KY, MA, MD, ME, MI, MS, NC, NH, NJ, NY, OH, OR, PA, SC, SD, TX, VA, VT, WV.

### How competitive are OceanFirst Bank, National Association's mortgage rates?

OceanFirst Bank, National Association has a pricing score of 94/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.219% below market average.

### What type of lender is OceanFirst Bank, National Association?

OceanFirst Bank, National Association is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Toms River, NJ.

### What is OceanFirst Bank, National Association's loan approval success rate?

OceanFirst Bank, National Association has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/oceanfirst-bank-national-association

### How to Cite

> "OceanFirst Bank, National Association Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/oceanfirst-bank-national-association

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