Lowest closing cost mortgage lenders in Ocean County County, New Jersey
In Ocean County, New Jersey, homebuyers paid a median of $6,814 in closing costs in 2024 — below the New Jersey median of $7,624. The county saw 5,134 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Bank of America, National Association offered the lowest median costs at $3,508, which is $2,621 less than the county median.
Homebuyers in Ocean County County who chose Bank of America, National Association paid $3,306 less in closing costs than the county median.
County Median Costs
$6,814
−10.6% vs New Jersey ($7,624)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,880
Purchase Originations
5,134
vs New Jersey Median
10.6% below
$-810
vs National Median
1.1% above
$73
Lender rankings in Ocean County County
73 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,508 | 6.000% | $1,290 | 73 | −$2,621 | |
| 2 | $3,761 | 6.500% | $500 | 69 | −$2,368 | |
| 3 | $4,204 | 6.625% | $870 | 40 | −$1,925 | |
| 4 | $4,249 | 6.375% | $1,458 | 72 | −$1,880 | |
| 5 | $4,305 | 6.375% | $790 | 58 | −$1,824 | |
| 6 | $4,512 | 6.375% | $1,125 | 21 | −$1,617 | |
| 7 | $4,550 | 6.125% | $550 | 181 | −$1,579 | |
| 8 | $4,703 | 6.500% | $0 | 38 | −$1,426 | |
| 9 | $4,798 | 6.062% | $1,145 | 14 | −$1,331 | |
| 10 | $4,801 | 6.995% | $1,445 | 30 | −$1,328 | |
| 11 | $4,959 | 6.750% | $1,180 | 30 | −$1,170 | |
| 12 | $4,967 | 6.625% | $1,219 | 16 | −$1,162 | |
| 13 | $5,094 | 6.375% | $1,060 | 25 | −$1,035 | |
| 14 | $5,108 | 6.808% | $1,395 | 12 | −$1,021 | |
| 15 | $5,118 | 6.982% | $1,499 | 38 | −$1,011 | |
| 16 | $5,121 | 6.875% | $1,395 | 229 | −$1,008 | |
| 17 | $5,216 | 6.625% | $1,490 | 16 | −$913 | |
| 18 | $5,223 | 6.990% | $1,599 | 75 | −$906 | |
| 19 | $5,365 | 6.625% | $1,663 | 115 | −$764 | |
| 20 | $5,385 | 6.650% | $1,640 | 25 | −$744 | |
| 21 | $5,407 | 6.625% | $1,495 | 17 | −$722 | |
| 22 | $5,416 | 6.990% | $1,879 | 24 | −$713 | |
| 23 | $5,450 | 6.500% | $1,350 | 94 | −$679 | |
| 24 | $5,512 | 6.300% | $815 | 10 | −$616 | |
| 25 | $5,549 | 6.625% | $1,795 | 117 | −$580 | |
| 26 | $5,552 | 6.875% | $2,148 | 19 | −$577 | |
| 27 | $5,586 | 6.875% | $1,299 | 24 | −$543 | |
| 28 | $5,590 | 6.875% | $2,904 | 16 | −$539 | |
| 29 | $5,649 | 6.600% | $1,640 | 215 | −$480 | |
| 30 | $5,714 | 6.875% | $1,590 | 126 | −$415 | |
| 31 | $5,729 | 6.875% | $1,499 | 39 | −$400 | |
| 32 | $5,826 | 6.625% | $2,088 | 24 | −$303 | |
| 33 | $5,828 | 6.990% | $1,554 | 22 | −$301 | |
| 34 | $5,981 | 6.990% | $2,284 | 29 | −$148 | |
| 35 | $6,114 | 7.125% | $1,595 | 22 | −$15 | |
| 36 | $6,262 | 6.990% | $2,415 | 20 | +$133 | |
| 37 | $6,358 | 6.500% | $950 | 40 | +$229 | |
| 38 | $6,413 | 6.625% | $2,846 | 39 | +$284 | |
| 39 | $6,455 | 6.500% | $3,514 | 173 | +$326 | |
| 40 | $6,484 | 6.875% | $2,755 | 15 | +$354 | |
| 41 | $6,628 | 7.625% | $2,273 | 26 | +$499 | |
| 42 | $6,682 | 6.625% | $1,932 | 27 | +$552 | |
| 43 | $6,687 | 6.875% | $2,516 | 22 | +$558 | |
| 44 | $6,703 | 6.990% | $2,686 | 44 | +$574 | |
| 45 | $6,816 | 6.875% | $3,199 | 13 | +$686 | |
| 46 | $6,822 | 6.875% | $1,505 | 46 | +$693 | |
| 47 | $6,978 | 6.500% | $270 | 33 | +$849 | |
| 48 | $7,026 | 6.875% | $2,970 | 70 | +$897 | |
| 49 | $7,175 | 6.875% | $2,626 | 10 | +$1,046 | |
| 50 | $7,310 | 7.000% | $1,899 | 18 | +$1,181 | |
| 51 | $7,327 | 6.625% | $2,682 | 12 | +$1,198 | |
| 52 | $7,415 | 6.999% | $3,042 | 80 | +$1,286 | |
| 53 | $7,438 | 6.875% | $2,540 | 15 | +$1,309 | |
| 54 | $7,499 | 6.875% | $2,992 | 228 | +$1,370 | |
| 55 | $7,524 | 6.812% | $3,629 | 26 | +$1,395 | |
| 56 | $7,562 | 6.625% | $1,589 | 39 | +$1,433 | |
| 57 | $7,652 | 6.990% | $3,294 | 14 | +$1,523 | |
| 58 | $7,696 | 6.875% | $4,160 | 199 | +$1,567 | |
| 59 | $7,860 | 6.625% | $1,500 | 24 | +$1,731 | |
| 60 | $7,945 | 6.875% | $3,188 | 112 | +$1,816 | |
| 61 | $8,189 | 6.625% | $3,805 | 22 | +$2,060 | |
| 62 | $9,514 | 6.875% | $5,600 | 191 | +$3,385 | |
| 63 | $9,976 | 6.875% | $5,802 | 60 | +$3,847 | |
| 64 | $10,294 | 6.625% | $6,011 | 15 | +$4,165 | |
| 65 | $10,331 | 7.000% | $1,999 | 72 | +$4,202 | |
| 66 | $12,265 | 6.500% | $8,008 | 11 | +$6,136 | |
| 67 | $12,348 | 6.562% | $7,894 | 16 | +$6,219 | |
| 68 | $12,615 | 7.125% | $6,943 | 16 | +$6,486 | |
| 69 | $14,722 | 6.500% | $8,635 | 11 | +$8,593 | |
| 70 | $14,729 | 9.495% | $10,855 | 10 | +$8,600 | |
| 71 | $14,868 | 6.990% | $9,475 | 11 | +$8,739 | |
| 72 | $16,917 | 9.188% | $13,132 | 12 | +$10,788 |
Includes lenders with 10+ purchase originations in Ocean County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in New Jersey → Lender Directory
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.