OceanFirst Financial Corp. is a bank holding company that provides a range of financial services through its subsidiaries. Its primary business is to gather retail and business deposits and invest those deposits primarily in loans, consisting of single-family, owner-occupied residential mortgage loans, and commercial real estate loans. It also offers consumer loans, such as home equity loans and lines of credit, and automobile loans. The company operates through two segments: banking and mortgage banking. Its banking segment consists of retail and business banking, commercial real estate, residential mortgage banking, and treasury.
