Best FHA lenders in Ocean County, NJ
FHA loans let buyers put down as little as 3.5% with more flexible credit — but not every lender welcomes them equally. Based on 12,512 FHA home-purchase decisions in Ocean County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For FHA buyers in Ocean County, lenders approved 88.3% — 3 points below the 91% all-buyer average in the county.
Top lenders for FHA buyers in Ocean County
Lenders with 25+ FHA buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Equity Prime Mortgage Llc Atlanta, GA | 98.5% | 648 | 10 | +1.37 pp |
| Greentree Mortgage Company, L.p. Gibbsboro, NJ | 98.6% | 213 | 3 | +1.17 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 95.6% | 501 | 22 | +1.11 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 93.1% | 787 | 54 | +1.13 pp |
| Evesham Mortgage, Llc Marlton, NJ | 93.9% | 164 | 10 | +1.39 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 90.7% | 939 | 87 | +1.01 pp |
| Gateway First Bank Jenks, OK | 93.5% | 155 | 10 | +1.15 pp |
| Paramount Residential Mortgage Corona, CA | 91.9% | 333 | 27 | +1.25 pp |
| Nj Lenders Corp Little Falls, NJ | 92.4% | 225 | 17 | +0.81 pp |
| Absolute Home Mortgage Fairfield, NJ | 91.7% | 181 | 15 | +1.11 pp |
| Loandepot.com Llc Irvine, CA | 89.1% | 449 | 49 | +0.97 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 89.7% | 302 | 31 | +1.17 pp |
| United Wholesale Mortgage Pontiac, MI | 88.7% | 310 | 35 | +0.64 pp |
| Freedom Mortgage Corporation Boca Raton, FL | 89.4% | 189 | 20 | +1.01 pp |
| Guaranteed Rate, Inc. Chicago, IL | 89.0% | 209 | 23 | +0.88 pp |
Why FHA buyers were denied here
See your own odds and pricing
Get a lender shortlist for your exact profile, or check who overcharges borrowers like you.
Approval tool → Overcharge check →Other buyer situations in Ocean County
Best FHA lenders in other NJ counties
Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, FHA buyers in Ocean County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →