Real estate · County · New Jersey
Mortgage brokers and lenders in Ocean County, NJ
The mortgage brokers and lenders in Ocean County, NJ, the household spending behind them and how the market ranks against other counties.
Groundwork market score · out of 100
Score 71 out of 100: Upper middle
Ranked #109 of 887 scored counties
#10 of 20 scored counties in New Jersey
- Listings
- 75
- 15 chain locations (20%)
- Official establishments
- 43
- +26.5% since 2019
- Household spending a year
- $4.6B
- On rent and homeowner costs · $19,050 a household
- Housing spending per listing (U.S. = 100)
- 159
- 59% above the U.S.
- Listings per 10k households
- 3.1
- 28% below the U.S.
- Population, 2025
- 673,746
- +5.6% since 2020
See the mortgage brokers and lenders around any address in Ocean County
The site report maps the mortgage brokers and lenders on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of Ocean County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
Households in Ocean County spend about $4.6B a year on rent and homeowner costs, or $19,050 per household, 14% above the U.S. average. Housing spending per office is 59% above the U.S. figure. The spending figure is all rent and homeowner costs, a measure of housing demand, not money mortgage brokers and lenders take in.
Ocean County has 75 mortgage brokers and lenders on map listings as of September 2026. Chain locations make up 20% of them, against 21% across the U.S. Per 10,000 households, that is 3.1, 28% below the U.S. rate of 4.3.
In 2023, official counts showed 43 businesses with payroll in Ocean County classed as mortgage brokers and real estate lenders, up 26.5% from 2019. That is one for every 5,671 households, against one for every 4,897 across the U.S. Since fiscal 2022, 1 SBA-backed loan worth $130K has gone to businesses classed as mortgage brokers and real estate lenders in Ocean County.
Between 2020 and 2025, the population of Ocean County grew 5.6%, faster than the U.S. (+3.1%). Ocean County scores 71 (upper middle) on the Groundwork market score for mortgage brokers and lenders, ranking #109 of 887 scored counties and #10 of 20 scored counties in New Jersey. That puts it in the top quarter of counties.
How Ocean County compares
The same measures for New Jersey and the whole U.S. Housing spending per listing divides all rent and homeowner costs by the listings counted: a measure of housing demand for each business, not money any of them take in, so it is shown against the U.S. (100) only. Households per establishment divides households by the official count.
| Measure | Ocean County | New Jersey | U.S. |
|---|---|---|---|
| Listings per 10k households | 3.1 | 4.0 | 4.3 |
| Housing spending per listing (U.S. = 100) | 159 | 132 | 100 |
| Households per official establishment | 5,671 | 5,212 | 4,897 |
| Official establishment growth, 2019–2023 | +26.5% | +8.6% | +9.5% |
| Population growth, 2020–2025 | +5.6% | +3.0% | +3.1% |
| Spending per household on rent and homeowner costs | $19,050 | $20,430 | $16,661 |
| Median household income | $89,863 | $103,556 | $80,734 |
| Groundwork market score | 71 | 65 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 34 → 43+26.5% over the period
- Employees, 2023
- 287
- Annual payroll, 2023
- $15.9M
- One-person businesses, 2023
- Not publishedNot published for this business type
- Map listings, September 2026
- 7515 chain locations
- Listings at the U.S. rate for this spending
- 119The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $130K
SBA-backed loans to businesses classed as mortgage brokers and real estate lenders in Ocean County, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in Ocean County
- Population, 2025 estimate
- 673,746+5.6% since 2020
- Households
- 243,843
- Median age
- 41.7
- Homes lived in by their owners
- 81%
- Vehicles per household
- 1.8
- Land area
- 628 sq. mi.
- People per square mile
- 1,042
- Median household income
- $89,863+26.7% vs. 2015–2019, before inflation
- Average household income
- $118,774
- Median home value
- $398,400
- Jobs located here
- 183,196
- Daytime population
- 568,313Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Ocean County?
These figures cover the whole county. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the mortgage brokers and lenders on map listings by name and distance.
Or open the report at the center of Ocean County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardMortgage brokers and lenders across New Jersey
Every New Jersey market ranked →The highest-scoring counties in New Jersey for mortgage brokers and lenders, numbered among those based in New Jersey, with Ocean County marked.
Top counties in New Jersey
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Hunterdon County, NJ | 86 | 12 | 2.4 | 251 | +2.3% | #6 of 887 |
| 2Hudson County, NJ | 83 | 48 | 1.6 | 317 | +1.8% | #14 of 887 |
| 3Essex County, NJ | 81 | 69 | 2.2 | 226 | +4.2% | #27 of 887 |
| 4Sussex County, NJ | 79 | 15 | 2.6 | 208 | +2.9% | #38 of 887 |
| 5Passaic County, NJ | 74 | 42 | 2.3 | 208 | +1.6% | #74 of 887 |
| 6Warren County, NJ | 73 | 15 | 3.3 | 151 | +3.2% | #87 of 887 |
| 7Union County, NJ | 73 | 75 | 3.7 | 144 | +5.0% | #88 of 887 |
| 8Cumberland County, NJ | 72 | 14 | 2.6 | 166 | +2.2% | #97 of 887 |
| 9Middlesex County, NJ | 71 | 101 | 3.3 | 163 | +2.6% | #106 of 887 |
| 10Ocean County, NJ | 71 | 75 | 3.1 | 159 | +5.6% | #109 of 887 |
Other business types in Ocean County
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
- Real estate50
- Real estate agents and brokers57
- Property management63
- Mortgage brokers and lenders71
- Home inspectors66
Funeral services
Questions
How many mortgage brokers and lenders are in Ocean County, NJ?
Map listings as of September 2026 show 75 mortgage brokers and lenders in Ocean County. 15 of them (20%) are chain locations. The listings count mortgage brokers and mortgage lenders. Official counts show 43 businesses with payroll classed as mortgage brokers and real estate lenders in 2023, up 26.5% from 2019.
How much do households in Ocean County, NJ spend on rent and homeowner costs?
About $4.6B a year, or $19,050 per household. That is 14% above the U.S. average (an index of 114, where 100 is the U.S. average). For the 75 mortgage brokers and lenders on map listings, housing spending per office is 59% above the U.S. figure. That figure is all rent and homeowner costs, used as a measure of housing demand; it is not money mortgage brokers and lenders take in. It is estimated from the incomes of the 243,843 households in Ocean County and national spending patterns by income.
How does Ocean County, NJ compare with the U.S. for mortgage brokers and lenders?
Ocean County has 3.1 mortgage brokers and lenders per 10,000 households, 28% below the U.S. rate of 4.3. The index of housing spending per office is 159, where 100 is the U.S. At the U.S. ratio of mortgage brokers and lenders to household spending, Ocean County would have about 119, against 75 on map listings. There is one business with payroll in the industry for every 5,671 households, against one for every 4,897 across the U.S. The official count rose 26.5% from 2019 to 2023, against +9.5% for the U.S.
How fast is Ocean County, NJ growing?
Population estimates put Ocean County at 673,746 people in 2025, up 5.6% since 2020, faster than the U.S. (+3.1%). It has 243,843 households. Median household income in Ocean County is $89,863, 11% above the U.S. median of $80,734. Against the 2015–2019 survey, the median rose 26.7%, before inflation.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. Ocean County scores 71 for mortgage brokers and lenders (upper middle), #109 of 887 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Ocean County. It maps the mortgage brokers and lenders on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for mortgage brokers and lenders · All 56 business types in Ocean County
Screening a site or an acquisition in Ocean County?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of Ocean County. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.