Mortgage approvals in Ocean County, NJ
Real approval and denial rates for home-purchase mortgages in Ocean County, built from 79,937 federally reported lender decisions, 2018–2025.
Share of 79,937 home-purchase applications that lenders approved vs. denied · 2025: 91.8% approved. Excludes loans withdrawn, left incomplete, or bought on the secondary market.
Approval rate over time
By loan type
FHA and USDA loans serve lower-down-payment and rural buyers; approval patterns differ by program.
Lenders in Ocean County
Ranked by volume. Approval rate = originated or approved ÷ (those + denied), home purchases 2018–2025.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Advisors Mortgage Group, Llc Ocean, NJ | 94.9% | 3,849 | 196 | +0.45 pp |
| Wells Fargo Bank Na Minneapolis, MN | 89.7% | 3,083 | 317 | -0.08 pp |
| Rocket Mortgage Detroit, MI | 84.6% | 2,986 | 461 | +0.44 pp |
| United Wholesale Mortgage Pontiac, MI | 90.5% | 2,619 | 249 | +0.31 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 95.9% | 2,614 | 106 | +0.68 pp |
| Fm Home Loans Llc Brooklyn, NY | 98.4% | 2,530 | 40 | +0.29 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 97.1% | 2,345 | 67 | +0.56 pp |
| Oceanfirst Bank Toms River, NJ | 95.2% | 2,101 | 101 | -0.03 pp |
| Loandepot.com Llc Irvine, CA | 92.1% | 2,092 | 165 | +0.37 pp |
| Guaranteed Rate, Inc. Chicago, IL | 96.5% | 1,924 | 67 | +0.22 pp |
| Equity Prime Mortgage Llc Atlanta, GA | 98.9% | 1,746 | 19 | +0.94 pp |
| Family First Funding Llc Toms River, NJ | 87.6% | 1,614 | 200 | +0.82 pp |
Why applications were denied
Primary reason lenders recorded on denied applications. One denial can cite several.
See which lenders approve borrowers like you
Filter by your income, loan size and loan type to get a Ocean County lender shortlist.
Open the approval tool →Refinance
Best lenders for specific buyers in Ocean County
Ocean County mortgage FAQ
What is the mortgage approval rate in Ocean County, NJ?
Lenders approved 91.1% of home-purchase mortgage applications in Ocean County, New Jersey between 2018 and 2025 — 72,862 approved out of 79,937 decisions. The denial rate was 8.9% (7,075 denied).
Why do mortgage applications get denied in Ocean County, NJ?
The reason lenders most often recorded for denying home-purchase applications in Ocean County was debt-to-income ratio, cited on 38% of the 7,075 denials between 2018 and 2025. HMDA does not include applicants' credit scores.
Which lenders make the most mortgages in Ocean County, NJ?
15 lenders made at least 25 home-purchase decisions in Ocean County between 2018 and 2025. The most active was Advisors Mortgage Group, Llc, which approved 94.9% of its 3,849 applications there.
What is the most recent mortgage approval rate in Ocean County, NJ?
In 2025, the most recent year of federal HMDA data, lenders approved 91.8% of home-purchase applications in Ocean County, New Jersey.
Source: CFPB HMDA loan-level snapshot data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in Ocean County, NJ. Full methodology →