What people paid for mortgages in Ocean County, NJ (2025)
Across 5,502 closed home-purchase loans in 2025, the median interest rate in Ocean was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $6,753 on a median loan of $395,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.25%–6.875%
- Median total loan costs
- $6,753
- Median loan amount
- $395,000
5,502 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.875%
- Median total loan costs
- $8,526
- Median loan amount
- $325,000
3,116 loans, 2025.
Lowest median rates in Ocean (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.Bank of America, National Association5.875%69 loans, median costs $4,119
- 2.Provident Bank6%31 loans, median costs $4,745
- 3.Mortgage Research Center, LLC6.125%75 loans, median costs $8,982
- 4.Navy Federal Credit Union6.125%38 loans, median costs $4,684
- 5.NVR Mortgage Finance, Inc.6.125%36 loans, median costs $6,323
Among lenders with at least 30 closed purchase loans in Ocean County in 2025.
Refinance
- 1.PNC Bank, National Association0.25%95 loans, median costs $6,117
- 2.VILLAGE CAPITAL & INVESTMENT LLC5.75%30 loans, median costs $9,813
- 3.Paramount Residential Mortgage Group, Inc.5.995%40 loans, median costs $8,187
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%278 loans, median costs $11,569
- 5.PENNYMAC LOAN SERVICES, LLC6.124%130 loans, median costs $9,027
Among lenders with at least 30 closed refinance loans in Ocean County in 2025.
Lender by lender in Ocean
Every lender that closed at least 5 qualifying loans in Ocean County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | CROSSCOUNTRY MORTGAGE, INC. | 340 | 6.74% | $7,456 | $2,268 | $3,293 |
| 2 | Advisors Mortgage Group, L.L.C. | 294 | 6.562% | $6,127 | $1,395 | $3,280 |
| 3 | GUARANTEED RATE, INC. | 294 | 6.375% | $5,846 | $1,640 | $1,195 |
| 4 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 247 | 6.625% | $8,344 | $2,820 | $2,979 |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 235 | 6.624% | $10,757 | $4,562 | $2,269 |
| 6 | Rocket Mortgage, LLC | 177 | 6.625% | $7,092 | $3,312 | $2,810 |
| 7 | PENNYMAC LOAN SERVICES, LLC | 164 | 6.625% | $9,008 | $1,995 | $1,330 |
| 8 | DHI MORTGAGE COMPANY, LTD. | 142 | 6.5% | $6,297 | $1,795 | $1,672 |
| 9 | CMG MORTGAGE, INC. | 142 | 6.625% | $8,847 | $2,426 | $2,202 |
| 10 | Loandepot.Com, LLC | 137 | 6.625% | $5,967 | $1,590 | $1,347 |
| 11 | OceanFirst Bank, National Association | 119 | 6.375% | $4,696 | $820 | n/a |
| 12 | Paramount Residential Mortgage Group, Inc. | 116 | 6.625% | $6,882 | $2,270 | $2,821 |
| 13 | FM Home Loans, LLC | 105 | 6.625% | $6,134 | $1,590 | $2,013 |
| 14 | JPMorgan Chase Bank, National Association | 104 | 6.312% | $3,736 | $500 | $1,570 |
| 15 | Wells Fargo Bank, National Association | 98 | 6.25% | $4,876 | $1,442 | $1,150 |
| 16 | ABSOLUTE HOME MORTGAGE CORPORATION | 86 | 6.625% | $5,757 | $1,599 | $2,922 |
| 17 | Fulton Bank, National Association | 83 | 6.375% | $9,291 | $1,999 | $1,138 |
| 18 | The Federal Savings Bank | 76 | 6.75% | $6,460 | $2,533 | $2,143 |
| 19 | Mortgage Research Center, LLC | 75 | 6.125% | $8,982 | $2,565 | $1,875 |
| 20 | Bank of America, National Association | 69 | 5.875% | $4,119 | $1,189 | $1,689 |
| 21 | Citizens Bank, National Association | 64 | 6.312% | $8,365 | $1,500 | $2,994 |
| 22 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 62 | 6.75% | $5,433 | $1,550 | $4,314 |
| 23 | TD Bank, National Association | 59 | 6.5% | $6,035 | $950 | $375 |
| 24 | THE LOAN STORE, INC.broker only | 50 | 6.875% | $9,185 | $2,818 | $1,317 |
| 25 | ARK MORTGAGE, INC. | 50 | 6.875% | $11,864 | $7,178 | $6,440 |
| 26 | Prosperity Home Mortgage, LLC | 49 | 6.625% | $6,389 | $1,575 | $1,530 |
| 27 | NJ LENDERS CORP. | 48 | 6.688% | $5,303 | $1,400 | $2,261 |
| 28 | Skyrock Mortgage Corp | 48 | 6.562% | $8,613 | $1,490 | $1,219 |
| 29 | UNITED MORTGAGE CORP. | 47 | 6.75% | $6,641 | $1,695 | $3,369 |
| 30 | MOVEMENT MORTGAGE, LLC | 47 | 6.562% | $7,883 | $2,250 | $2,919 |
| 31 | PNC Bank, National Association | 46 | 6.375% | $5,436 | $1,285 | $711 |
| 32 | GUARANTEED RATE AFFINITY, LLC | 45 | 6.55% | $5,534 | $1,640 | $1,318 |
| 33 | Luminate Bank | 44 | 6.562% | $5,345 | $1,595 | $2,313 |
| 34 | AMERIHOME MORTGAGE COMPANY, LLC | 40 | 6.625% | $5,557 | $1,475 | $1,152 |
| 35 | GLENDENNING MORTGAGE CORPORATION | 39 | 6.875% | $7,542 | $1,505 | $846 |
| 36 | Navy Federal Credit Union | 38 | 6.125% | $4,684 | $0 | $750 |
| 37 | Broker Solutions, Inc. | 36 | 6.75% | $8,013 | $1,966 | $2,605 |
| 38 | MORTGAGE ACCESS CORP. | 36 | 6.625% | $5,718 | $1,884 | $875 |
| 39 | NVR Mortgage Finance, Inc. | 36 | 6.125% | $6,323 | $1,964 | $8,979 |
| 40 | NEWREZ LLC | 35 | 6.875% | $6,845 | $2,400 | $2,364 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Ocean figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Ocean County in 2025?
The median interest rate on closed home-purchase loans in Ocean County, New Jersey in 2025 was 6.625%, across 5,502 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.