Ask the folks at OceanFirst Bank for a home loan and they might say "shore." The subsidiary of holding company OceanFirst Financial operates more than 20 branches in the coastal New Jersey counties of Middlesex, Monmouth, and Ocean. The community-oriented bank caters to individuals and small to midsized businesses in the Jersey Shore area, offering standard products such as checking and savings accounts, CDs, and IRAs. It uses funds from deposits mainly to invest in mortgages, loans, and securities. One- to four-family residential mortgages make up nearly 60% of OceanFirst Financial's loan portfolio, which also includes commercial real estate (about 25%), business, construction, and consumer loans.