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  <xs:element id="ocfc_BusinessCombinationRecognizedLiabilityAssumedLoansAndLoansHeldForSale" abstract="false" name="BusinessCombinationRecognizedLiabilityAssumedLoansAndLoansHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationRecognizedLiabilityAssumedDeposits" abstract="false" name="BusinessCombinationRecognizedLiabilityAssumedDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_NumberOfAnalysesUsedForLoanEstimationOfFairValueAdjustmentByMarketParticipant" abstract="false" name="NumberOfAnalysesUsedForLoanEstimationOfFairValueAdjustmentByMarketParticipant" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ocfc_FinancingReceivableHeldForSaleSold" abstract="false" name="FinancingReceivableHeldForSaleSold" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationNumberOfPropertiesOperatedByAcquiree" abstract="false" name="BusinessCombinationNumberOfPropertiesOperatedByAcquiree" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ocfc_IntangibleAssetFiniteLivedAcquiredUsefulLife" abstract="false" name="IntangibleAssetFiniteLivedAcquiredUsefulLife" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="ocfc_BusinessCombinationCarryingValueAxis" abstract="true" name="BusinessCombinationCarryingValueAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="ocfc_BusinessCombinationCarryingValueDomain" abstract="true" name="BusinessCombinationCarryingValueDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_BusinessCombinationInitialBookValueMember" abstract="true" name="BusinessCombinationInitialBookValueMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationRecognizedAssetAcquiredSecurities" abstract="false" name="BusinessCombinationRecognizedAssetAcquiredSecurities" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentSecurities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentSecurities" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationRecognizedAssetAcquiredLoansReceivableNetOfAllowanceForCreditLoss" abstract="false" name="BusinessCombinationRecognizedAssetAcquiredLoansReceivableNetOfAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReceivableNetOfAllowanceForCreditLoss" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReceivableNetOfAllowanceForCreditLoss" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationRecognizedAssetAcquiredLoansHeldForSale" abstract="false" name="BusinessCombinationRecognizedAssetAcquiredLoansHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansHeldForSale" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansHeldForSale" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationRecognizedAssetAcquiredOtherAsset" abstract="false" name="BusinessCombinationRecognizedAssetAcquiredOtherAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAsset" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAsset" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeposits" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeposits" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationRecognizedLiabilityAssumedFederalHomeLoanBankAdvancesAndOtherBorrowings" abstract="false" name="BusinessCombinationRecognizedLiabilityAssumedFederalHomeLoanBankAdvancesAndOtherBorrowings" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFederalHomeLoanBankAdvancesAndOtherBorrowings" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFederalHomeLoanBankAdvancesAndOtherBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationRecognizedLiabilityAssumedOtherLiability" abstract="false" name="BusinessCombinationRecognizedLiabilityAssumedOtherLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiability" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiability" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssetsAcquired" abstract="false" name="BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssetsAcquired" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_FinancingReceivablePurchasedExcludingCreditDeteriorationAmountAtPurchasePriceAbstract" abstract="true" name="FinancingReceivablePurchasedExcludingCreditDeteriorationAmountAtPurchasePriceAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ocfc_FinancingReceivablePurchasedSeasonsedLoansAmountAtParValue" abstract="false" name="FinancingReceivablePurchasedSeasonsedLoansAmountAtParValue" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_FinancingReceivablePurchasedSeasonsedLoansAllowanceForCreditLossAtAcquisitionDate" abstract="false" name="FinancingReceivablePurchasedSeasonsedLoansAllowanceForCreditLossAtAcquisitionDate" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_FinancingReceivablePurchasedSeasonsedLoansDiscountPremium" abstract="false" name="FinancingReceivablePurchasedSeasonsedLoansDiscountPremium" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_FinancingReceivablePurchasedSeasonsedLoansAmountAtPurchasePrice" abstract="false" name="FinancingReceivablePurchasedSeasonsedLoansAmountAtPurchasePrice" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationAfterTaxPerBasicShareAdjustment" abstract="false" name="BusinessCombinationAfterTaxPerBasicShareAdjustment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="ocfc_BusinessCombinationAcquireesActualInformationAbstract" abstract="true" name="BusinessCombinationAcquireesActualInformationAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ocfc_BusinessCombinationAcquireesNetInterestIncomeSinceAcquisitionDateActual" abstract="false" name="BusinessCombinationAcquireesNetInterestIncomeSinceAcquisitionDateActual" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationAcquireesCreditLossExpenseSinceAcquisitionDateActual" abstract="false" name="BusinessCombinationAcquireesCreditLossExpenseSinceAcquisitionDateActual" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationAcquireesNoninterestIncomeSinceAcquisitionDateActual" abstract="false" name="BusinessCombinationAcquireesNoninterestIncomeSinceAcquisitionDateActual" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationAcquireesNoninterestExpenseSinceAcquisitionDateActual" abstract="false" name="BusinessCombinationAcquireesNoninterestExpenseSinceAcquisitionDateActual" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationAcquireesIncomeLossFromContinuingOperationsBeforeIncomeTaxesNoncontrollingInterestSinceAcquisitionDateActual" abstract="false" name="BusinessCombinationAcquireesIncomeLossFromContinuingOperationsBeforeIncomeTaxesNoncontrollingInterestSinceAcquisitionDateActual" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationAcquireesIncomeTaxExpenseBenefitSinceAcquisitionDateActual" abstract="false" name="BusinessCombinationAcquireesIncomeTaxExpenseBenefitSinceAcquisitionDateActual" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationAcquireesNetIncomeLossAvailableToCommonStockholdersBasicSinceAcquisitionDateActual" abstract="false" name="BusinessCombinationAcquireesNetIncomeLossAvailableToCommonStockholdersBasicSinceAcquisitionDateActual" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProFormaInformationProFormaNetInterestIncome" abstract="false" name="BusinessCombinationProFormaInformationProFormaNetInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProFormaInformationProFormaProvisionForCreditLossExpense" abstract="false" name="BusinessCombinationProFormaInformationProFormaProvisionForCreditLossExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProFormaInformationProFormaNoninterestIncome" abstract="false" name="BusinessCombinationProFormaInformationProFormaNoninterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProFormaInformationProFormaNoninterestExpense" abstract="false" name="BusinessCombinationProFormaInformationProFormaNoninterestExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProFormaInformationProFormaIncomeLossFromContinuingOperationsBeforeIncomeTaxesNoncontrollingInterest" abstract="false" name="BusinessCombinationProFormaInformationProFormaIncomeLossFromContinuingOperationsBeforeIncomeTaxesNoncontrollingInterest" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProFormaInformationProFormaIncomeTaxExpenseBenefit" abstract="false" name="BusinessCombinationProFormaInformationProFormaIncomeTaxExpenseBenefit" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProFormaInformationProFormaNetIncomeLossAvailableToCommonStockholdersBasic" abstract="false" name="BusinessCombinationProFormaInformationProFormaNetIncomeLossAvailableToCommonStockholdersBasic" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_BusinessCombinationProFormaInformationProFormaWeightedAverageNumberOfSharesOutstandingDiluted" abstract="false" name="BusinessCombinationProFormaInformationProFormaWeightedAverageNumberOfSharesOutstandingDiluted" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ocfc_UnallocatedIncentiveAwardSharesAndSharesHeldByDeferredCompensationPlan" abstract="false" name="UnallocatedIncentiveAwardSharesAndSharesHeldByDeferredCompensationPlan" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="ocfc_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossAndFairValueHedgeCumulativeIncreaseDecrease" abstract="false" name="DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossAndFairValueHedgeCumulativeIncreaseDecrease" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainBeforeTaxAndFairValueHedgeCumulativeIncreaseDecrease" abstract="false" name="DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainBeforeTaxAndFairValueHedgeCumulativeIncreaseDecrease" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedLossBeforeTaxAndFairValueHedgeCumulativeIncreaseDecrease" abstract="false" name="DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedLossBeforeTaxAndFairValueHedgeCumulativeIncreaseDecrease" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_DebtSecuritiesAvailableForSaleExcludingAccruedInterestBeforeFairValueHedgeCumulativeIncreaseDecrease" abstract="false" name="DebtSecuritiesAvailableForSaleExcludingAccruedInterestBeforeFairValueHedgeCumulativeIncreaseDecrease" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_DebtSecuritiesAvailableForSaleAllowanceForCreditLossExcludingAccruedInterestBeforeFairValueHedgeCumulativeIncreaseDecrease" abstract="false" name="DebtSecuritiesAvailableForSaleAllowanceForCreditLossExcludingAccruedInterestBeforeFairValueHedgeCumulativeIncreaseDecrease" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedLossBeforeTaxCumulativeIncreaseDecrease" abstract="false" name="HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedLossBeforeTaxCumulativeIncreaseDecrease" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_AvailableForSaleSecuritiesAndHeldToMaturityAmortizedCost" abstract="false" name="AvailableForSaleSecuritiesAndHeldToMaturityAmortizedCost" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedGain" abstract="false" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedGain" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedLoss" abstract="false" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesEstimatedFairValue" abstract="false" name="AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesEstimatedFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" abstract="false" name="DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_NumberOfAcquiredNonperformingInvestmentsWhichFullRecoveryIsExpected" abstract="false" name="NumberOfAcquiredNonperformingInvestmentsWhichFullRecoveryIsExpected" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ocfc_AcquiredNonperformingInvestmentWhichFullRecoveryIsExpected" abstract="false" name="AcquiredNonperformingInvestmentWhichFullRecoveryIsExpected" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTable" abstract="true" name="ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems" abstract="true" name="ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" abstract="false" name="AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLosses" abstract="false" name="AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" abstract="false" name="AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLosses" abstract="false" name="AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" abstract="false" name="AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses" abstract="false" name="AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_CommercialRealEstateInvestorMember" abstract="true" name="CommercialRealEstateInvestorMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_CommercialAndIndustrialMember" abstract="true" name="CommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_CommercialAndIndustrialRealEstateMember" abstract="true" name="CommercialAndIndustrialRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_CommercialAndIndustrialNonRealEstateMember" abstract="true" name="CommercialAndIndustrialNonRealEstateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_FinancingReceivableExcludingAccruedInterestPurchasedAllowanceForCreditLossAtAcquisitionDate" abstract="false" name="FinancingReceivableExcludingAccruedInterestPurchasedAllowanceForCreditLossAtAcquisitionDate" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_PaycheckProtectionProgramMember" abstract="true" name="PaycheckProtectionProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_FinancingReceivableCommitmentsToLendAdditionalFundsOnNonAccrualLoans" abstract="false" name="FinancingReceivableCommitmentsToLendAdditionalFundsOnNonAccrualLoans" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_ExtendedMaturityAndPaymentDeferralMember" abstract="true" name="ExtendedMaturityAndPaymentDeferralMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodIncludingPaydownsAmount" abstract="false" name="FinancingReceivableExcludingAccruedInterestModifiedInPeriodIncludingPaydownsAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_TimeDepositsBrokered" abstract="false" name="TimeDepositsBrokered" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_FHLBAndFRBForBorrowingCapacityMember" abstract="true" name="FHLBAndFRBForBorrowingCapacityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_MeasurementInputAppraisalAdjustmentsMember" abstract="true" name="MeasurementInputAppraisalAdjustmentsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_LoansMeasuredForImpairmentFairValeDisclosure" abstract="false" name="LoansMeasuredForImpairmentFairValeDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_FairValueMeasurementWithUnobservableInputsReconciliationPercentageMinimum" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationPercentageMinimum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ocfc_FairValueMeasurementWithUnobservableInputsReconciliationPercentageMaximum" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationPercentageMaximum" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="ocfc_DepositsOtherThanTimeDepositsFairValueDisclosure" abstract="false" name="DepositsOtherThanTimeDepositsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_InterestRateOptionMember" abstract="true" name="InterestRateOptionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_DerivativeCreditRiskValuationAdjustmentsDerivativeLiabilities" abstract="false" name="DerivativeCreditRiskValuationAdjustmentsDerivativeLiabilities" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_DerivativeInstrumentAssetAmountSecuredByDerivative" abstract="false" name="DerivativeInstrumentAssetAmountSecuredByDerivative" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_DerivativeInstrumentPremiumExpense" abstract="false" name="DerivativeInstrumentPremiumExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_CreditRiskDerivativeLiabilitiesAtFairValueExcludingHedge" abstract="false" name="CreditRiskDerivativeLiabilitiesAtFairValueExcludingHedge" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_InterestRateSwapAndCapMember" abstract="true" name="InterestRateSwapAndCapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ocfc_NumberOfFinanceLeases" abstract="false" name="NumberOfFinanceLeases" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="ocfc_LeasesRightOfUseAsset" abstract="false" name="LeasesRightOfUseAsset" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_LeasesLiability" abstract="false" name="LeasesLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_FutureRentAndEstimatedLeaseTerminationLiability" abstract="false" name="FutureRentAndEstimatedLeaseTerminationLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_WeightedAverageRemainingLeaseTermAbstract" abstract="true" name="WeightedAverageRemainingLeaseTermAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ocfc_LeasesWeightedAverageDiscountRateAbstract" abstract="true" name="LeasesWeightedAverageDiscountRateAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ocfc_FinanceLeaseExpenseAbstract" abstract="true" name="FinanceLeaseExpenseAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ocfc_OtherLeaseCostAbstract" abstract="true" name="OtherLeaseCostAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ocfc_CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesAbstract" abstract="true" name="CashPaidForAmountsIncludedInTheMeasurementOfLeaseLiabilitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ocfc_FinanceLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="FinanceLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ocfc_LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" abstract="false" name="LesseeOperatingLeaseLiabilityToBePaidAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
