Mortgage Lenders and Brokers in Ocean City, New Jersey
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Ocean City, New Jersey mortgage lenders include Oceanfirst BankOceanfirst Bank1001 Asbury Ave, Ocean City, NJ 08226A+5.0 ★Texas Ratio: 5.26%, Sturdy Savings BankSturdy Savings Bank661 Asbury Ave, Ocean City, NJ 08226A+5.0 ★Texas Ratio: 0.97%, Wells Fargo Bank NAWells Fargo Bank NA1300 West Ave, Ocean City, NJ 08226A+5.0 ★Texas Ratio: 5.36%, TD BankTD Bank101 E 9th St, Ocean City, NJ 08226A+5.0 ★Texas Ratio: 3.71%, PNC Bank N.A.PNC Bank N.A.900 Central Ave, Ocean City, NJ 08226A+5.0 ★Texas Ratio: 4.24%, Univest Bank and Trust Co.Univest Bank and Trust Co.921 West Ave, Ocean City, NJ 08226A5.0 ★Texas Ratio: 6.10%, Valley National BankValley National Bank522 Broadway, Bayonne, NJ 07002A+5.0 ★Texas Ratio: 5.76%, Citizens Bank, NACitizens Bank, NA1000 Highway 36, Atlantic Highlands, NJ 07716A+5.0 ★Texas Ratio: 5.44%, Bank of America NABank of America NA1116 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.14%, and Fulton Bank, National AssociationFulton Bank, National Association20 N Main St, Allentown, NJ 08501A+5.0 ★Texas Ratio: 4.85%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Ocean City, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ocean City are listed first, then lenders elsewhere in New Jersey, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Ocean City, New Jersey
Market share is the lender's share of all home loans closed in Ocean City, New Jersey. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Ocean City 1001 Asbury Ave, Ocean City, NJ 08226 A+5.0 ★Texas Ratio: 5.26% |
Conventional, Jumbo, HELOC | 28 +9 HELOCs |
5.1% | 87.5% | $530,714 | View |
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2 offices in Ocean City 661 Asbury Ave, Ocean City, NJ 08226 A+5.0 ★Texas Ratio: 0.97% |
Conventional, Jumbo | 27 | 4.9% | 96.4% | $783,518 | View |
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1 office in Ocean City 1300 West Ave, Ocean City, NJ 08226 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 14 | 2.5% | 82.4% | $1,515,714 | View |
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1 office in Ocean City 101 E 9th St, Ocean City, NJ 08226 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 13 +23 HELOCs |
2.4% | 86.7% | $1,219,615 | View |
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★ 1.7 stars, 3 reviews 1 office in Ocean City 900 Central Ave, Ocean City, NJ 08226 A+5.0 ★Texas Ratio: 4.24% |
Conventional, Jumbo, HELOC | 5 +7 HELOCs |
0.9% | 83.3% | $817,000 | View |
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1 office in Ocean City 921 West Ave, Ocean City, NJ 08226 A5.0 ★Texas Ratio: 6.10% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $655,000 | View |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
Conventional, Jumbo, HELOC | 25 +1 HELOCs |
4.5% | 100% | $977,800 | View |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo, HELOC | 21 +27 HELOCs |
3.8% | 95.5% | $1,362,142 | View |
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1116 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 13 +4 HELOCs |
2.4% | 92.9% | $1,498,846 | View |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo, HELOC | 7 +6 HELOCs |
1.3% | 100% | $970,714 | View |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
Conventional, Jumbo | 7 | 1.3% | 87.5% | $1,050,714 | View |
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100 Albertson St, Millville, NJ 08332 A+5.0 ★Texas Ratio: 0.50% |
Conventional | 5 | 0.9% | 83.3% | $635,000 | View |
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1615 Route 9 N, Cape May Court House, NJ 08210 A+5.0 ★Texas Ratio: 0.00% |
Conventional, Jumbo | 5 | 0.9% | 100% | $1,125,000 | View |
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315 Ocean St, Cape May, NJ 08204 A+5.0 ★Texas Ratio: 0.12% |
Conventional, Jumbo | 5 | 0.9% | 100% | $495,000 | View |
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1029 Neck Rd, Burlington, NJ 08016 A+5.0 ★Texas Ratio: 3.10% |
Conventional, Jumbo, HELOC | 4 +9 HELOCs |
0.7% | 100% | $1,140,000 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo | 3 | 0.5% | 100% | $1,148,333 | View |
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★ 1 stars, 1 review 249 White Horse Pike, Atco, NJ 08004 A+5.0 ★Texas Ratio: 2.87% |
Conventional, Jumbo, HELOC | 2 +1 HELOCs |
0.4% | 100% | $1,775,000 | View |
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1342 Saint Georges Ave, Avenel, NJ 07001 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 2 | 0.4% | 50% | $805,000 | View |
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1 Giralda Farms, Madison, NJ 07940 A+5.0 ★Texas Ratio: 0.37% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,945,000 | View |
First National Bank of Elmer
1168 State Highway 77, Bridgeton, NJ 08302 |
Conventional | 2 | 0.4% | 100% | $695,000 | |
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720 Shiloh Pike, Bridgeton, NJ 08302 A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,530,000 | View |
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509 S White Horse Pike, Audubon, NJ 08106 A+5.0 ★Texas Ratio: 4.25% |
Conventional, HELOC | 1 +1 HELOCs |
0.2% | 100% | $485,000 | View |
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William J Hughes Technical Ctr, Atlantic City, NJ 08405 A+5.0 ★Texas Ratio: 1.54% |
Conventional | 1 | 0.2% | 66.7% | $5,000 | View |
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3C Buckingham Dr, Manchester, NJ 08759 A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.2% | 100% | $895,000 | View |
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1154 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.30% |
Conventional | 1 | 0.2% | 100% | $55,000 | View |
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2652 Atlantic Ave, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 3.73% |
Conventional | 1 | 0.2% | 100% | $155,000 | View |
First National Bank of Absecon
106 New Jersey Ave, Absecon, NJ 08201 |
Conventional | 1 | 0.2% | 100% | $65,000 | |
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407 Main St, Chatham, NJ 07928 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.2% | 100% | $795,000 | View |
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314 Route 33, Hamilton, NJ 08619 A+5.0 ★Texas Ratio: 3.15% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,505,000 | View |
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53 Cornwell Dr, Bridgeton, NJ 08302 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.2% | 100% | $565,000 | View |
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506 Route 130 N, Cinnaminson, NJ 08077 B+4.8 ★Texas Ratio: 17.97% |
Conventional | 1 | 0.2% | 100% | $745,000 | View |
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★ 3 stars, 1 review 85 Bridge Ave, Bay Head, NJ 08742 A+5.0 ★Texas Ratio: 5.71% |
Conventional, Jumbo | 1 | 0.2% | 100% | $965,000 | View |
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91 S Virginia Ave, Carneys Point, NJ 08069 A5.0 ★Texas Ratio: 6.53% |
Conventional | 1 | 0.2% | 100% | $755,000 | View |
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450 Hillcrest Blvd, Phillipsburg, NJ 08865 A+5.0 ★Texas Ratio: 0.04% |
Conventional | 1 | 0.2% | 100% | $65,000 | View |
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2039 Delsea Dr, Franklinville, NJ 08322 A+5.0 ★Texas Ratio: 1.02% |
Conventional | 1 | 0.2% | 100% | $705,000 | View |
Advisors Mortgage Group, LLC
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Conventional | 9 | 1.6% | 90% | $502,777 | |
1St Colonial Community Bank
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Conventional, VA, Jumbo, HELOC | 6 +4 HELOCs |
1.1% | 100% | $493,333 | |
Nation One Mortgage Corporatio
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Conventional, Jumbo | 5 | 0.9% | 100% | $717,000 | |
NJ Lenders Corp
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Conventional | 2 | 0.4% | 100% | $685,000 | |
EMM Loans LLC
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Conventional | 1 | 0.2% | 100% | $805,000 | |
Acre Mortgage & Financial, Inc.
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FHA | 1 | 0.2% | 100% | $545,000 | |
First Alliance Home Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $535,000 | |
Absolute Home Mortgage
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Conventional, Jumbo | 1 | 0.2% | 100% | $3,205,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.2% | 50% | $255,000 | |
Kwik Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $395,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.2% | 100% | $515,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Prosperity Home Mortgage, LLC
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Conventional, Jumbo | 38 | 6.9% | 100% | $781,578 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo, HELOC | 31 +2 HELOCs |
5.6% | 96.9% | $864,677 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 29 +1 HELOCs |
5.3% | 96.8% | $858,448 | View |
Rocket Mortgage
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Conventional, Jumbo | 20 | 3.6% | 84% | $439,500 | |
loanDepot.com LLC
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Conventional, Jumbo | 18 | 3.3% | 94.7% | $751,666 | |
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A+5.0 ★Texas Ratio: 0.70% |
Conventional, HELOC | 12 +7 HELOCs |
2.2% | 80% | $166,666 | |
CrossCountry Mortgage, LLC
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Conventional, Jumbo, HELOC | 11 +1 HELOCs |
2% | 100% | $924,090 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 10 | 1.8% | 100% | $1,119,000 | View |
Affordable Mortgage Advisors
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Conventional | 7 | 1.3% | 100% | $567,857 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 7 | 1.3% | 77.8% | $842,142 | |
Nfm, Inc
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Conventional, VA, Jumbo | 6 | 1.1% | 100% | $940,000 | |
United Wholesale Mortgage
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Conventional, VA, Jumbo, HELOC | 5 +1 HELOCs |
0.9% | 83.3% | $1,137,000 | |
Cmg Mortgage Inc
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Conventional, Jumbo, HELOC | 5 +1 HELOCs |
0.9% | 100% | $525,000 | |
Newrez LLC
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Conventional | 5 | 0.9% | 55.6% | $465,000 | |
Citadel Federal Credit Union
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Conventional, HELOC | 4 +3 HELOCs |
0.7% | 100% | $392,500 | |
Movement Mortgage, LLC
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Conventional, VA, Jumbo | 4 | 0.7% | 83.3% | $1,392,500 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 4 | 0.7% | 80% | $1,340,000 | View |
United Nations Federal CU
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Conventional, Jumbo | 4 | 0.7% | 100% | $645,000 | |
TruMark Financial Credit Union
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Conventional, Jumbo, HELOC | 3 +3 HELOCs |
0.5% | 75% | $805,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 3 +3 HELOCs |
0.5% | 100% | $515,000 | |
Hyperion Bank
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Conventional, Jumbo | 3 | 0.5% | 100% | $1,895,000 | |
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A+5.0 ★Texas Ratio: 3.96% |
Conventional, Jumbo | 3 | 0.5% | 100% | $1,038,333 | View |
The Victory Bank
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Conventional, Jumbo | 3 | 0.5% | 100% | $2,568,333 | |
Webster Bank, N.A.
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Conventional, Jumbo | 3 | 0.5% | 100% | $1,078,333 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional, HELOC | 2 +1 HELOCs |
0.4% | 100% | $560,000 | View |
Guaranteed Rate Affinity, LLC
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Conventional, Jumbo | 2 | 0.4% | 100% | $1,285,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo | 2 | 0.4% | 100% | $910,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional, Jumbo | 2 | 0.4% | 100% | $1,905,000 | View |
Freedom Mortgage Corporation
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VA | 2 | 0.4% | 100% | $275,000 | |
Allied Mortgage Group, Inc
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Conventional | 2 | 0.4% | 100% | $485,000 | |
Iron Workers Bank
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Conventional | 2 | 0.4% | 100% | $665,000 | |
Waterstone Mortgage Corporation
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Conventional, Jumbo | 2 | 0.4% | 100% | $835,000 | |
Lendsure Mortgage Corp.
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Conventional, Jumbo | 2 | 0.4% | 100% | $525,000 | |
State Financial Network LLC
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Conventional | 2 | 0.4% | 100% | $435,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.4% | 100% | $665,000 | |
New American Funding, LLC.
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Conventional | 2 | 0.4% | 100% | $630,000 | |
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A5.0 ★Texas Ratio: 7.48% |
Conventional | 2 | 0.4% | 100% | $600,000 | View |
Phoenixville Federal Bank & Trust
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Conventional, Jumbo | 2 | 0.4% | 100% | $885,000 | |
Firstrust Savings Bank
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Conventional, HELOC | 1 +2 HELOCs |
0.2% | 66.7% | $785,000 | |
Franklin Mint Federal Credit Union
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Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $1,395,000 | |
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A+5.0 ★Texas Ratio: 2.93% |
Conventional, Jumbo, HELOC | 1 +1 HELOCs |
0.2% | 100% | $1,925,000 | View |
Tidewater Mortgage Services, Inc
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Conventional | 1 | 0.2% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 5.81% |
Conventional, Jumbo | 1 | 0.2% | 100% | $2,225,000 | View |
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C3.9 ★Texas Ratio: 27.97% |
Conventional | 1 | 0.2% | 100% | $215,000 | View |
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B+4.8 ★Texas Ratio: 17.52% |
Conventional | 1 | 0.2% | 100% | $205,000 | |
All Credit Considered Mortgage, Inc.
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Conventional, Jumbo | 1 | 0.2% | 100% | $935,000 | |
Northeast Equitable Mortgage LLC
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Conventional | 1 | 0.2% | 100% | $475,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.2% | 50% | $785,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.2% | 66.7% | $105,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.2% | 100% | $465,000 | |
AmWest Funding Corp
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,265,000 | |
MortgageCountry
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,505,000 | |
Success Mortgage Partners, Inc
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Conventional | 1 | 0.2% | 100% | $615,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.2% | 100% | $605,000 | |
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A-5.0 ★Texas Ratio: 15.49% |
Conventional | 1 | 0.2% | 100% | $585,000 | View |
Union Home Mortgage Corp.
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Conventional | 1 | 0.2% | 50% | $565,000 | |
Bay Equity LLC
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Conventional | 1 | 0.2% | 100% | $295,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.2% | 100% | $755,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.2% | 100% | $785,000 | View |
Reliable Holdings Manager dba Lendz Financial
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,995,000 | |
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★ 5 stars, 1 review A5.0 ★Texas Ratio: 6.37% |
Conventional | 1 | 0.2% | 100% | $775,000 | View |
First Heritage Financial LLC
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Conventional | 1 | 0.2% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 4.81% |
Conventional | 1 | 0.2% | 100% | $415,000 | View |
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A+5.0 ★Texas Ratio: 1.26% |
Conventional, Jumbo | 1 | 0.2% | 100% | $755,000 | View |
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A5.0 ★Texas Ratio: 6.31% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,505,000 | |
Municipal Credit Union
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,505,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.2% | 100% | $465,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.2% | 100% | $505,000 | |
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B+4.8 ★Texas Ratio: 17.97% |
Conventional | 1 | 0.2% | 100% | $725,000 | View |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.2% | 100% | $705,000 | View |
Member First Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $765,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,855,000 | View |
Better Mortgage Corporation
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Conventional, Jumbo | 1 | 0.2% | 100% | $505,000 | |
Philadelphia Federal Credit Un
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Conventional | 1 | 0.2% | 100% | $795,000 | |
Citadel Servicing Corporation
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Conventional | 1 | 0.2% | 100% | $605,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 0.2% | 100% | $705,000 | |
Nationwide Mortgage Bankers, Inc.
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Conventional, Jumbo | 1 | 0.2% | 100% | $1,405,000 | |
FM Home Loans LLC
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Conventional | 1 | 0.2% | 100% | $715,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.2% | 100% | $525,000 | |
Lower, LLC
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FHA | 1 | 0.2% | 100% | $415,000 | |
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C-3.6 ★Texas Ratio: 31.27% |
Conventional, Jumbo | 1 | 0.2% | 100% | $1,485,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.2% | 100% | $495,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.2% | 50% | $795,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.2% | 100% | $575,000 | View |
Spring Eq, LLC
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Conventional | 1 | 0.2% | 100% | $205,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.2% | 100% | $455,000 | View |
BHCU d/b/a Propell Credit Union
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 9.33% |
HELOC | 0 +2 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Sun East Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Tower Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Merck Sharp and Dohme FCU
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lafayette Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 10.25% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Sun Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 1.62% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Ocean City Mortgage Rate Trends
Daily average mortgage rates for New Jersey compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Ocean City, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Ocean City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ocean City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ocean City, NJ
Use these to narrow the list above. Each category shows how many Ocean City, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Ocean City, NJ
Independent mortgage companies closed 40.5 percent of home loans in Ocean City, New Jersey in 2025, banks 52.9 percent and credit unions 6.5 percent. Advisors Mortgage Group, LLC was the largest mortgage company, Oceanfirst Bank the largest bank and Jersey Shore FCU the largest credit union. Among lenders headquartered in New Jersey, Oceanfirst Bank led with 28 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New Jersey. Graduated seller paid realty transfer fee of roughly $2 to $6.05 per $500 (about 0.4 percent to 1.2 percent, higher on sales over $350,000), plus a seller paid mansion tax on homes over $1 million that since July 2025 runs 1 percent from $1 million to $2 million and rises in tiers to 3.5 percent above $3.5 million. No mortgage recording tax.
More New Jersey Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Ocean City, NJ
By home loans closed in 2025, Oceanfirst Bank was the largest mortgage lender in Ocean City, New Jersey with 28 loans, about 5.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
2 lenders closed FHA loans in Ocean City, New Jersey in 2025, led by Acre Mortgage & Financial, Inc. with 1. 5 lenders closed VA loans, led by Freedom Mortgage Corporation. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 64 banks and 23 credit unions closed home loans in Ocean City, New Jersey in 2025, alongside 57 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Ocean City, New Jersey during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Ocean City, New Jersey for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Ocean City. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
