OceanFirst Bank, National Association - Nationwide Branches

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Branch	Address	View Lobby Hours
Shrewsbury Branch	490 Shrewsbury Plaza, Shrewsbury, NJ 7702	View Lobby Hours
Colonial American Branch	1405 Route 35 North, Middletown, NJ 7748	View Lobby Hours
Egg Harbor City Branch	801 White Horse Pike, Egg Harbor City, NJ 8215	View Lobby Hours
Mays Landing Branch	5401 Harding Hwy, Mays Landing, NJ 8330	View Lobby Hours
Ventnor Branch	6302 Ventnor Avenue, Ventnor, NJ 8406	View Lobby Hours
Northfield Branch	331 Tilton Road, Northfield, NJ 8225	View Lobby Hours
Linwood Branch	1777 New Road, Linwood, NJ 8221	View Lobby Hours
Marmora Branch	105 Roosevelt Blvd, Marmora, NJ 8223	View Lobby Hours
Ocean City Branch	1001 Asbury Ave, Ocean City, NJ 8226	View Lobby Hours
W Broad St Branch	85 W Broad St., Bridgeton, NJ 8302	View Lobby Hours
Colonial Branch	2745 S. Delsea Drive, Vineland, NJ 8360	View Lobby Hours
Upper Deerfield Branch	1245 Highway 77, Bridgeton, NJ 8302	View Lobby Hours
1107 N High Street Branch	1107 N High Street, Millville, NJ 8332	View Lobby Hours
Rio Grande Branch	3707 Route 9 S, Rio Grande, NJ 8242	View Lobby Hours
Margate City Branch	Essex & Ventnor Avenue, Margate City, NJ 8402	View Lobby Hours
Egg Harbor Township Branch	Black Horse Pike & Fire Road, Egg Harbor Township, NJ 8234	View Lobby Hours
Galloway Branch	320 E. Jimmie Leeds Road, Galloway, NJ 8205	View Lobby Hours
Wildwood Branch	3101 New Jersey Avenue, Wildwood, NJ 8260	View Lobby Hours
Egg Harbor Township Branch	2251 Ocean Heights Avenue, Egg Harbor Township, NJ 8234	View Lobby Hours
Cape May Court House Branch	225 North Main Street, Cape May Court House, NJ 8210	View Lobby Hours
Cape May Branch	217 Jackson St, Cape May, NJ 8204	View Lobby Hours
Villas Branch	1899 Bayshore Road, Villas, NJ 8251	View Lobby Hours
Atlantic City Branch	1501 Pacific Avenue, Atlantic City, NJ 8401	View Lobby Hours
Forked River Branch	900 Lacey Road, Forked River, NJ 8731	View Lobby Hours
Oceanfirst Bank, National Association	975 Hooper Avenue, Toms River, NJ 8753	View Lobby Hours
Internet Branch	845 West Bay Avenue, Barnegat, NJ 8005	View Lobby Hours
Barnegat Branch	845 W. Bay Avenue, Barnegat, NJ 8005	View Lobby Hours
Bayville Branch	791 Route 9, Bayville, NJ 8721	View Lobby Hours
Red Bk Branch	73 Broad Street, Red Bank, NJ 7701	View Lobby Hours
Pt Pleasant Beach Branch	701 Arnold Ave., Point Pleasant, NJ 8742	View Lobby Hours
Pavilion Branch	70 Brick Blvd., Brick, NJ 8723	View Lobby Hours
Route 37 West Branch	55 Bananier Drive, Toms River, NJ 8755	View Lobby Hours
Waretown Branch	501 Route 9, Waretown, NJ 8758	View Lobby Hours
Lakewood Branch	400 Locust Street, Lakewood, NJ 8701	View Lobby Hours
Little Egg Harbor Branch	425 Route 9 South, Little Egg Harbor, NJ 8087	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 613839	5.878%	5.750% 0.88 points $4,489 fees	$1,868	Learn More
NMLS ID: 1522344 License#: 22467	5.946%	5.875% 0.75 points $2,461 fees	$1,893	Learn More
NMLS ID: 1067	5.950%	5.875% 0.75 points $2,579 fees	$1,893	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years

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