Best jumbo mortgage lenders in Ocean County, NJ
Loans above the conforming limit (jumbo) demand stronger files and are made by a narrower set of lenders. Here's who approves them. Based on 2,780 jumbo 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 jumbo buyers in Ocean County, lenders approved 91.4%.
Top lenders for jumbo buyers in Ocean County
Lenders with 25+ jumbo buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Valley National Bank Morristown, NJ | 99.4% | 170 | 1 | -0.14 pp |
| Morgan Stanley Private Bank Na Purchase, NY | 99.1% | 106 | 1 | -0.41 pp |
| Citibank, Na New York, NY | 98.6% | 74 | 1 | -0.48 pp |
| Fulton Bank, National Association Lancaster, PA | 95.9% | 244 | 10 | +0.23 pp |
| Bank Of America Na Westlake Village, CA | 94.4% | 180 | 10 | -0.53 pp |
| Draper And Kramer Mortgage Corp. Downers Grove, IL | 100.0% | 30 | 0 | +0.10 pp |
| Wells Fargo Bank Na Minneapolis, MN | 92.0% | 312 | 25 | -0.52 pp |
| Oceanfirst Bank Toms River, NJ | 92.5% | 174 | 13 | +0.00 pp |
| Td Bank Mount Laurel, NJ | 92.3% | 155 | 12 | -0.04 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 97.3% | 37 | 1 | +0.32 pp |
| Jpmorgan Chase Bank, Na Columbus, OH | 91.4% | 151 | 13 | -0.18 pp |
| Guaranteed Rate, Inc. Chicago, IL | 97.1% | 35 | 1 | +0.05 pp |
| Unity Bank Clinton, NJ | 96.4% | 28 | 1 | +1.47 pp |
| Investors Bank Iselin, NJ | 92.5% | 40 | 3 | -0.09 pp |
| Ubs Bank Usa Salt Lake City, UT | 93.1% | 29 | 2 | -0.26 pp |
Why jumbo buyers were denied here
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, jumbo buyers in Ocean County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →