Best lenders for investment property in Ocean County, NJ
Buying a rental or investment property is underwritten differently than a home you'll live in. Not every lender is comfortable with it. Based on 2,966 investment-property 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 investment-property buyers in Ocean County, lenders approved 90.8%.
Top lenders for investment-property buyers in Ocean County
Lenders with 25+ investment-property buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Fm Home Loans Llc Brooklyn, NY | 99.1% | 333 | 3 | +0.87 pp |
| Ark Mortgage, Inc. Montebello, NY | 98.0% | 342 | 7 | +0.85 pp |
| Equity Prime Mortgage Llc Atlanta, GA | 100.0% | 58 | 0 | +1.17 pp |
| Draper And Kramer Mortgage Corp. Downers Grove, IL | 98.3% | 58 | 1 | — |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 94.6% | 112 | 6 | — |
| The Loan Store, Inc Tucson, AZ | 95.2% | 83 | 4 | — |
| Advisors Mortgage Group, Llc Ocean, NJ | 93.6% | 140 | 9 | — |
| Nj Lenders Corp Little Falls, NJ | 95.7% | 69 | 3 | — |
| Oceanfirst Bank Toms River, NJ | 92.3% | 169 | 13 | +0.80 pp |
| United Mortgage Corp. Melville, NY | 97.1% | 35 | 1 | +1.45 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 94.6% | 37 | 2 | +1.57 pp |
| Absolute Home Mortgage Fairfield, NJ | 94.1% | 34 | 2 | — |
| Arc Home Llc Moorestown, NJ | 90.2% | 61 | 6 | +1.61 pp |
| Finance Of America Mortgage Llc Horsham, PA | 89.7% | 39 | 4 | — |
| Caliber Home Loans, Inc. Fort Washington, PA | 89.7% | 39 | 4 | +0.93 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, investment-property buyers in Ocean County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →