<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019e29b7-6616-7b3c-bd10-d75f6b6807fc,g:97d70ab5-4b3c-4438-81f9-4814201cf2c0-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member"/>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/CONSOLIDATEDSTATEMENTSOFFINANCIALCONDITION" xlink:type="simple" xlink:href="ocfc-20260630.xsd#CONSOLIDATEDSTATEMENTSOFFINANCIALCONDITION"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/CONSOLIDATEDSTATEMENTSOFFINANCIALCONDITION" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e9593-b615-7c10-ae88-e2c0cb1a34ae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019e9593-b615-7235-8f40-2f3153bed46b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_019e9593-b615-7c10-ae88-e2c0cb1a34ae" xlink:to="loc_us-gaap_StatementTable_019e9593-b615-7235-8f40-2f3153bed46b" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019e9593-b615-77d9-9c46-69d2d87e4e75" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019e9593-b615-7235-8f40-2f3153bed46b" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019e9593-b615-77d9-9c46-69d2d87e4e75" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019e9593-b615-77d9-9c46-69d2d87e4e75_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019e9593-b615-77d9-9c46-69d2d87e4e75" xlink:to="loc_us-gaap_ClassOfStockDomain_019e9593-b615-77d9-9c46-69d2d87e4e75_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019e9593-b615-70f7-8550-cb24fb3bb443" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019e9593-b615-77d9-9c46-69d2d87e4e75" xlink:to="loc_us-gaap_ClassOfStockDomain_019e9593-b615-70f7-8550-cb24fb3bb443" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_VotingCommonStockMember_019e95a1-2afb-7185-9736-6efad47212e1" xlink:href="ocfc-20260630.xsd#ocfc_VotingCommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019e9593-b615-70f7-8550-cb24fb3bb443" xlink:to="loc_ocfc_VotingCommonStockMember_019e95a1-2afb-7185-9736-6efad47212e1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_NonvotingCommonEquivalentStockMember_019e9593-b615-7f84-95a7-76879d110846" xlink:href="ocfc-20260630.xsd#ocfc_NonvotingCommonEquivalentStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019e9593-b615-70f7-8550-cb24fb3bb443" xlink:to="loc_ocfc_NonvotingCommonEquivalentStockMember_019e9593-b615-7f84-95a7-76879d110846" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9593-b615-7c10-ae88-e2c0cb1a34ae" xlink:to="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndDueFromBanks_019e29b7-698b-729a-9579-db213caddd81" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndDueFromBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_CashAndDueFromBanks_019e29b7-698b-729a-9579-db213caddd81" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e29b7-698b-7664-9e3b-06ddbf918623" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e29b7-698b-7664-9e3b-06ddbf918623" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019e29b7-698b-7673-add6-00955f7db503" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestAfterAllowanceForCreditLoss_019e29b7-698b-7673-add6-00955f7db503" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_EquityInvestments_019e29b7-698b-7933-9919-71f4d34a4d71" xlink:href="ocfc-20260630.xsd#ocfc_EquityInvestments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_ocfc_EquityInvestments_019e29b7-698b-7933-9919-71f4d34a4d71" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStock_019e29b7-698b-7c39-b226-c6b8db2f2bd5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_FederalHomeLoanBankStock_019e29b7-698b-7c39-b226-c6b8db2f2bd5" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019e29b7-698b-75cd-888c-e4208d0fc439" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019e29b7-698b-75cd-888c-e4208d0fc439" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_MortgagesHeldForSaleCarryingValue_019e29b7-698b-71f5-a213-97b9007cc1ca" xlink:href="ocfc-20260630.xsd#ocfc_MortgagesHeldForSaleCarryingValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_ocfc_MortgagesHeldForSaleCarryingValue_019e29b7-698b-71f5-a213-97b9007cc1ca" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_019e29b7-698b-7310-84bc-b52e71c6c7bc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestReceivable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_InterestReceivable_019e29b7-698b-7310-84bc-b52e71c6c7bc" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstate_019e29b7-698b-731e-95f3-8f78105e61f9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherRealEstate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_OtherRealEstate_019e29b7-698b-731e-95f3-8f78105e61f9" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_019e29b7-698b-74c0-bec9-e4071dfc94da" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization_019e29b7-698b-74c0-bec9-e4071dfc94da" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsurance_019e29b7-698b-7eb0-a8b8-d95890c0e64d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BankOwnedLifeInsurance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_BankOwnedLifeInsurance_019e29b7-698b-7eb0-a8b8-d95890c0e64d" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019e29b7-698b-764a-bf71-0288bb0ff923" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_Goodwill_019e29b7-698b-764a-bf71-0288bb0ff923" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e29b7-698b-7421-9e6a-ee7a4c92d60f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019e29b7-698b-7421-9e6a-ee7a4c92d60f" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019e29b7-698b-7b09-8754-8a0cbf8d3a0a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_OtherAssets_019e29b7-698b-7b09-8754-8a0cbf8d3a0a" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019e29b7-698b-70ac-8ec4-170dc113b678" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract_019e29b7-698b-7f42-90ac-fb8d936c2da2" xlink:to="loc_us-gaap_Assets_019e29b7-698b-70ac-8ec4-170dc113b678" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e29b7-698b-7ce2-9bbe-5e83ccdd2707" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9593-b615-7c10-ae88-e2c0cb1a34ae" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e29b7-698b-7ce2-9bbe-5e83ccdd2707" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Deposits_019e29b7-698b-7a2f-8a28-314ff62878f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Deposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e29b7-698b-7ce2-9bbe-5e83ccdd2707" xlink:to="loc_us-gaap_Deposits_019e29b7-698b-7a2f-8a28-314ff62878f8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019e29b7-698b-7065-8df5-167b4a0896f4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e29b7-698b-7ce2-9bbe-5e83ccdd2707" xlink:to="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019e29b7-698b-7065-8df5-167b4a0896f4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019e29b7-698b-79ba-8d26-9a04702661d4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e29b7-698b-7ce2-9bbe-5e83ccdd2707" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019e29b7-698b-79ba-8d26-9a04702661d4" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherBorrowings_019e29b7-698b-7892-b779-46c96de45399" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e29b7-698b-7ce2-9bbe-5e83ccdd2707" xlink:to="loc_us-gaap_OtherBorrowings_019e29b7-698b-7892-b779-46c96de45399" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance_019e29b7-698b-725a-9c1a-0e1b056b614c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e29b7-698b-7ce2-9bbe-5e83ccdd2707" xlink:to="loc_us-gaap_AdvancePaymentsByBorrowersForTaxesAndInsurance_019e29b7-698b-725a-9c1a-0e1b056b614c" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_019e29b7-698b-7394-b2f6-73b3e16f15e1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e29b7-698b-7ce2-9bbe-5e83ccdd2707" xlink:to="loc_us-gaap_OtherLiabilities_019e29b7-698b-7394-b2f6-73b3e16f15e1" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019e29b7-698b-7e6f-a21a-cd41c3b3c8c7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e29b7-698b-7ce2-9bbe-5e83ccdd2707" xlink:to="loc_us-gaap_Liabilities_019e29b7-698b-7e6f-a21a-cd41c3b3c8c7" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract_019e29b7-698b-74ab-ab89-264ae1ffdd87" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e29b7-698b-7ce2-9bbe-5e83ccdd2707" xlink:to="loc_us-gaap_StockholdersEquityAbstract_019e29b7-698b-74ab-ab89-264ae1ffdd87" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019e29b7-698b-7dbd-9000-afca28d03c32" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e29b7-698b-74ab-ab89-264ae1ffdd87" xlink:to="loc_us-gaap_PreferredStockValue_019e29b7-698b-7dbd-9000-afca28d03c32" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019e29b7-698b-71a6-90cb-0665d87e5461" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e29b7-698b-74ab-ab89-264ae1ffdd87" xlink:to="loc_us-gaap_CommonStockValue_019e29b7-698b-71a6-90cb-0665d87e5461" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019e29b7-698b-798b-9265-a5029f67c7a5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapitalCommonStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e29b7-698b-74ab-ab89-264ae1ffdd87" xlink:to="loc_us-gaap_AdditionalPaidInCapitalCommonStock_019e29b7-698b-798b-9265-a5029f67c7a5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e29b7-698b-7fb6-9b05-d6e3522a4460" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e29b7-698b-74ab-ab89-264ae1ffdd87" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019e29b7-698b-7fb6-9b05-d6e3522a4460" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e29b7-698b-7b2f-a1e3-ccb87385cb48" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e29b7-698b-74ab-ab89-264ae1ffdd87" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019e29b7-698b-7b2f-a1e3-ccb87385cb48" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockIssuedEmployeeTrustDeferred_019e29b7-698b-73f7-bb5b-66fb4d88f196" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockIssuedEmployeeTrustDeferred"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e29b7-698b-74ab-ab89-264ae1ffdd87" xlink:to="loc_us-gaap_CommonStockIssuedEmployeeTrustDeferred_019e29b7-698b-73f7-bb5b-66fb4d88f196" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_019e29b7-698b-7646-8551-5854ba3597fb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e29b7-698b-74ab-ab89-264ae1ffdd87" xlink:to="loc_us-gaap_TreasuryStockCommonValue_019e29b7-698b-7646-8551-5854ba3597fb" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e29b7-698b-719f-b66a-6f2ab4f22b4d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StockholdersEquityAbstract_019e29b7-698b-74ab-ab89-264ae1ffdd87" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e29b7-698b-719f-b66a-6f2ab4f22b4d" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e29b7-698b-75e1-bca8-2d2c0349c2fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract_019e29b7-698b-7ce2-9bbe-5e83ccdd2707" xlink:to="loc_us-gaap_LiabilitiesAndStockholdersEquity_019e29b7-698b-75e1-bca8-2d2c0349c2fd" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/CONSOLIDATEDSTATEMENTSOFFINANCIALCONDITIONParenthetical" xlink:type="simple" xlink:href="ocfc-20260630.xsd#CONSOLIDATEDSTATEMENTSOFFINANCIALCONDITIONParenthetical"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/CONSOLIDATEDSTATEMENTSOFFINANCIALCONDITIONParenthetical" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019e9591-b043-7fe4-a57c-0d079e3c81db" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_StatementTable_019e9591-b043-7fe4-a57c-0d079e3c81db" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_019e9591-b043-73cd-b4ec-2ec6f39a0aaa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019e9591-b043-7fe4-a57c-0d079e3c81db" xlink:to="loc_us-gaap_StatementClassOfStockAxis_019e9591-b043-73cd-b4ec-2ec6f39a0aaa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019e9591-b043-73cd-b4ec-2ec6f39a0aaa_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019e9591-b043-73cd-b4ec-2ec6f39a0aaa" xlink:to="loc_us-gaap_ClassOfStockDomain_019e9591-b043-73cd-b4ec-2ec6f39a0aaa_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_019e9591-b043-74fb-9aaa-89f432b38771" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfStockDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis_019e9591-b043-73cd-b4ec-2ec6f39a0aaa" xlink:to="loc_us-gaap_ClassOfStockDomain_019e9591-b043-74fb-9aaa-89f432b38771" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_VotingCommonStockMember_019e95af-e730-78ac-9a7d-95dbad538671" xlink:href="ocfc-20260630.xsd#ocfc_VotingCommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019e9591-b043-74fb-9aaa-89f432b38771" xlink:to="loc_ocfc_VotingCommonStockMember_019e95af-e730-78ac-9a7d-95dbad538671" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_NonvotingCommonEquivalentStockMember_019e9591-b043-7a6b-bae5-b1e4543fc6a3" xlink:href="ocfc-20260630.xsd#ocfc_NonvotingCommonEquivalentStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain_019e9591-b043-74fb-9aaa-89f432b38771" xlink:to="loc_ocfc_NonvotingCommonEquivalentStockMember_019e9591-b043-7a6b-bae5-b1e4543fc6a3" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_019e29b7-698b-7b4e-8f8d-2c0132624f78" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_019e29b7-698b-7b4e-8f8d-2c0132624f78" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e29b7-698b-7ec3-8799-d3ac9b589af1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e29b7-698b-7ec3-8799-d3ac9b589af1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019e29b7-698b-7fea-a610-1752ea49fe90" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019e29b7-698b-7fea-a610-1752ea49fe90" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019e29b7-698b-7716-8d70-f3ac60a2b0e0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_PreferredStockParOrStatedValuePerShare_019e29b7-698b-7716-8d70-f3ac60a2b0e0" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreferenceValue_019e29b7-698b-7361-beea-8a8d00032231" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockLiquidationPreferenceValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_PreferredStockLiquidationPreferenceValue_019e29b7-698b-7361-beea-8a8d00032231" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized_019e29b7-698b-70f7-b0c0-be03ee9bfad8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesAuthorized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_PreferredStockSharesAuthorized_019e29b7-698b-70f7-b0c0-be03ee9bfad8" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued_019e29b7-698b-761c-9690-30cc0cdef297" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_PreferredStockSharesIssued_019e29b7-698b-761c-9690-30cc0cdef297" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_019e29b7-698b-7e05-b15f-96d853d07d5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_019e29b7-698b-7e05-b15f-96d853d07d5a" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized_019e29b7-698b-792b-80f3-9db8b8716ae2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_CommonStockSharesAuthorized_019e29b7-698b-792b-80f3-9db8b8716ae2" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesIssued_019e29b7-698b-78e7-b574-b95661dc5480" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_CommonStockSharesIssued_019e29b7-698b-78e7-b574-b95661dc5480" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesOutstanding_019e29b7-698b-7162-a741-6490ab5d6589" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_CommonStockSharesOutstanding_019e29b7-698b-7162-a741-6490ab5d6589" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonShares_019e29b7-698b-711e-b2dc-32b7ce989763" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TreasuryStockCommonShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e9591-b043-70c6-bad0-78b619b8f7b6" xlink:to="loc_us-gaap_TreasuryStockCommonShares_019e29b7-698b-711e-b2dc-32b7ce989763" xlink:type="arc" order="11"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/CONSOLIDATEDSTATEMENTSOFINCOME" xlink:type="simple" xlink:href="ocfc-20260630.xsd#CONSOLIDATEDSTATEMENTSOFINCOME"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/CONSOLIDATEDSTATEMENTSOFINCOME" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019e29b7-698b-7d92-9328-1157a429064f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_StatementTable_019e29b7-698b-7d92-9328-1157a429064f" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductOrServiceAxis_019e29b7-698b-714a-ac54-f73e7807018e" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductOrServiceAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019e29b7-698b-7d92-9328-1157a429064f" xlink:to="loc_srt_ProductOrServiceAxis_019e29b7-698b-714a-ac54-f73e7807018e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019e29b7-698b-714a-ac54-f73e7807018e_default" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_ProductOrServiceAxis_019e29b7-698b-714a-ac54-f73e7807018e" xlink:to="loc_srt_ProductsAndServicesDomain_019e29b7-698b-714a-ac54-f73e7807018e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain_019e29b7-698b-7d91-ad10-f459df6f9517" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_ProductsAndServicesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_ProductOrServiceAxis_019e29b7-698b-714a-ac54-f73e7807018e" xlink:to="loc_srt_ProductsAndServicesDomain_019e29b7-698b-7d91-ad10-f459df6f9517" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentAdvisoryManagementAndAdministrativeServiceMember_019e29b7-698b-7e4c-81c4-e5c1d144562f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentAdvisoryManagementAndAdministrativeServiceMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019e29b7-698b-7d91-ad10-f459df6f9517" xlink:to="loc_us-gaap_InvestmentAdvisoryManagementAndAdministrativeServiceMember_019e29b7-698b-7e4c-81c4-e5c1d144562f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositAccountMember_019e29b7-698b-7015-90aa-2a6e0be419b2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepositAccountMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_ProductsAndServicesDomain_019e29b7-698b-7d91-ad10-f459df6f9517" xlink:to="loc_us-gaap_DepositAccountMember_019e29b7-698b-7015-90aa-2a6e0be419b2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019e29b7-698b-7576-9127-5ee4acb2e4fa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019e29b7-698b-7576-9127-5ee4acb2e4fa" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019e29b7-698b-7fe2-8cc9-e198ffe17416" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019e29b7-698b-7576-9127-5ee4acb2e4fa" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019e29b7-698b-7fe2-8cc9-e198ffe17416" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeDebtSecuritiesOperating_019e29b7-698b-7394-9a00-f339273edc83" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeDebtSecuritiesOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019e29b7-698b-7576-9127-5ee4acb2e4fa" xlink:to="loc_us-gaap_InterestIncomeDebtSecuritiesOperating_019e29b7-698b-7394-9a00-f339273edc83" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherInterestAndDividendIncome_019e29b7-698b-738f-b489-48eb646923fe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherInterestAndDividendIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019e29b7-698b-7576-9127-5ee4acb2e4fa" xlink:to="loc_us-gaap_OtherInterestAndDividendIncome_019e29b7-698b-738f-b489-48eb646923fe" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019e29b7-698b-7b4d-b418-9d42bd875d3c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract_019e29b7-698b-7576-9127-5ee4acb2e4fa" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_019e29b7-698b-7b4d-b418-9d42bd875d3c" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseAbstract_019e29b7-698b-7f15-a805-f4ca331ef4c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_InterestExpenseAbstract_019e29b7-698b-7f15-a805-f4ca331ef4c4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseDeposits_019e29b7-698b-7847-a038-053db68c98ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestExpenseAbstract_019e29b7-698b-7f15-a805-f4ca331ef4c4" xlink:to="loc_us-gaap_InterestExpenseDeposits_019e29b7-698b-7847-a038-053db68c98ac" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseBorrowings_019e29b7-698b-7002-a0b3-96e13f5f1d95" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestExpenseAbstract_019e29b7-698b-7f15-a805-f4ca331ef4c4" xlink:to="loc_us-gaap_InterestExpenseBorrowings_019e29b7-698b-7002-a0b3-96e13f5f1d95" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_019e29b7-698b-705b-8ba7-8012520185ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InterestExpenseAbstract_019e29b7-698b-7f15-a805-f4ca331ef4c4" xlink:to="loc_us-gaap_InterestExpenseOperating_019e29b7-698b-705b-8ba7-8012520185ab" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019e29b7-698b-7aae-9e68-5c6830fddcab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019e29b7-698b-7aae-9e68-5c6830fddcab" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLeaseAndOtherLosses_019e29b7-698b-7989-80ea-e439d18b7579" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLeaseAndOtherLosses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_ProvisionForLoanLeaseAndOtherLosses_019e29b7-698b-7989-80ea-e439d18b7579" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019e29b7-698b-7b33-9d09-4574ae5154a1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019e29b7-698b-7b33-9d09-4574ae5154a1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract_019e29b7-698b-7d5e-aa9e-656bbc06b4ef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_NoninterestIncomeAbstract_019e29b7-698b-7d5e-aa9e-656bbc06b4ef" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CreditAndDebitCardRevenue_019e29b7-698b-70c4-833c-30ea156ba3b9" xlink:href="ocfc-20260630.xsd#ocfc_CreditAndDebitCardRevenue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019e29b7-698b-7d5e-aa9e-656bbc06b4ef" xlink:to="loc_ocfc_CreditAndDebitCardRevenue_019e29b7-698b-70c4-833c-30ea156ba3b9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax_019e29b7-698b-73f4-b02c-c72ab99400ad" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019e29b7-698b-7d5e-aa9e-656bbc06b4ef" xlink:to="loc_us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax_019e29b7-698b-73f4-b02c-c72ab99400ad" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnSaleOfMortgageLoans_019e29b7-698b-75f3-97cc-0bbdfacd8f13" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnSaleOfMortgageLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019e29b7-698b-7d5e-aa9e-656bbc06b4ef" xlink:to="loc_us-gaap_GainLossOnSaleOfMortgageLoans_019e29b7-698b-75f3-97cc-0bbdfacd8f13" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleGainLoss_019e29b7-698b-7924-a199-d5340a914e51" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019e29b7-698b-7d5e-aa9e-656bbc06b4ef" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleGainLoss_019e29b7-698b-7924-a199-d5340a914e51" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLossFromRealEstateOperations_019e29b7-698b-7ade-8a69-fe753aecb5ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLossFromRealEstateOperations"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019e29b7-698b-7d5e-aa9e-656bbc06b4ef" xlink:to="loc_us-gaap_ProfitLossFromRealEstateOperations_019e29b7-698b-7ade-8a69-fe753aecb5ce" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankOwnedLifeInsuranceIncome_019e29b7-698b-7d39-8618-4a739e862583" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BankOwnedLifeInsuranceIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019e29b7-698b-7d5e-aa9e-656bbc06b4ef" xlink:to="loc_us-gaap_BankOwnedLifeInsuranceIncome_019e29b7-698b-7d39-8618-4a739e862583" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GainLossOnOilAndGasHedgingActivity_019e29b7-698b-7ba0-9e67-1fb61832e7ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_GainLossOnOilAndGasHedgingActivity"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019e29b7-698b-7d5e-aa9e-656bbc06b4ef" xlink:to="loc_us-gaap_GainLossOnOilAndGasHedgingActivity_019e29b7-698b-7ba0-9e67-1fb61832e7ac" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019e29b7-698b-7bf3-bc2a-db870638dabd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019e29b7-698b-7d5e-aa9e-656bbc06b4ef" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019e29b7-698b-7bf3-bc2a-db870638dabd" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019e29b7-698b-78a8-a32f-8f6be489c0eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestIncomeAbstract_019e29b7-698b-7d5e-aa9e-656bbc06b4ef" xlink:to="loc_us-gaap_NoninterestIncome_019e29b7-698b-78a8-a32f-8f6be489c0eb" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019e29b7-698b-7977-9a0e-ea8dcb5b8c38" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019e29b7-698b-7977-9a0e-ea8dcb5b8c38" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OccupancyNet_019e29b7-698b-7d9a-9630-56fe24893219" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OccupancyNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_OccupancyNet_019e29b7-698b-7d9a-9630-56fe24893219" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquipmentExpense_019e29b7-698b-7285-ab19-094d64abb113" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquipmentExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_EquipmentExpense_019e29b7-698b-7285-ab19-094d64abb113" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketingExpense_019e29b7-698b-76ba-9633-5ed86e6813d1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MarketingExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_MarketingExpense_019e29b7-698b-76ba-9633-5ed86e6813d1" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_019e29b7-698b-7c7f-a9db-2c563cac7f02" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense_019e29b7-698b-7c7f-a9db-2c563cac7f02" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InformationTechnologyAndDataProcessing_019e29b7-698b-73ce-b2ed-c8fba928c7c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InformationTechnologyAndDataProcessing"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_InformationTechnologyAndDataProcessing_019e29b7-698b-73ce-b2ed-c8fba928c7c8" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CheckCardProcessing_019e29b7-698b-730e-a98d-6d190923fdb5" xlink:href="ocfc-20260630.xsd#ocfc_CheckCardProcessing"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_ocfc_CheckCardProcessing_019e29b7-698b-730e-a98d-6d190923fdb5" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_019e29b7-698b-7d33-a647-bed775ad01e1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfessionalFees"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_ProfessionalFees_019e29b7-698b-7d33-a647-bed775ad01e1" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets_019e29b7-698b-75cc-a140-097d52b96831" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_AmortizationOfIntangibleAssets_019e29b7-698b-75cc-a140-097d52b96831" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_019e29b7-698b-7351-8567-f4881338b10a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_019e29b7-698b-7351-8567-f4881338b10a" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestructuringCharges_019e29b7-698b-768f-aad6-60693e7c21f4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestructuringCharges"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_RestructuringCharges_019e29b7-698b-768f-aad6-60693e7c21f4" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCostAndExpenseOperating_019e29b7-698b-7ea4-8648-af2769310132" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCostAndExpenseOperating"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_OtherCostAndExpenseOperating_019e29b7-698b-7ea4-8648-af2769310132" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingExpenses_019e29b7-698b-788a-9c50-ec8dd6930d5d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingExpenses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_NoninterestExpenseAbstract_019e29b7-698b-7ab1-8cc9-e1e04a312205" xlink:to="loc_us-gaap_OperatingExpenses_019e29b7-698b-788a-9c50-ec8dd6930d5d" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e29b7-698b-79e8-85e3-4b36dd78148d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019e29b7-698b-79e8-85e3-4b36dd78148d" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019e29b7-698b-70d0-85aa-2e4efc6139c4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019e29b7-698b-70d0-85aa-2e4efc6139c4" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019e29b7-698b-7f59-8f15-0c1b54a45798" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_ProfitLoss_019e29b7-698b-7f59-8f15-0c1b54a45798" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019e29b7-698b-7cec-85d1-9eaf5bafb193" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019e29b7-698b-7cec-85d1-9eaf5bafb193" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_019e29b7-698b-7cb7-917d-d9a4f2ceff23" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_NetIncomeLoss_019e29b7-698b-7cb7-917d-d9a4f2ceff23" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsAndOtherAdjustments_019e29b7-698b-736e-9a38-b1d908b44e27" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockDividendsAndOtherAdjustments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_PreferredStockDividendsAndOtherAdjustments_019e29b7-698b-736e-9a38-b1d908b44e27" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_PreferredStockRedemptionGainLossNet_019e496a-e0f7-7686-8b6d-c0c270e34d20" xlink:href="ocfc-20260630.xsd#ocfc_PreferredStockRedemptionGainLossNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_ocfc_PreferredStockRedemptionGainLossNet_019e496a-e0f7-7686-8b6d-c0c270e34d20" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e29b7-698b-7573-8b5e-53139f9e529c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019e29b7-698b-7573-8b5e-53139f9e529c" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019e29b7-698b-7efc-86e3-3d9faabb8e35" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted_019e29b7-698b-7efc-86e3-3d9faabb8e35" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_019e29b7-698b-7888-971e-3a1b292257d3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_EarningsPerShareBasic_019e29b7-698b-7888-971e-3a1b292257d3" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_019e29b7-698b-71b4-b3b7-3e36564ab75e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_EarningsPerShareDiluted_019e29b7-698b-71b4-b3b7-3e36564ab75e" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e29b7-698b-73f6-9b05-2b053758380b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019e29b7-698b-73f6-9b05-2b053758380b" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e29b7-698b-7d0b-b9e4-023948552802" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-716e-9ebe-4a43d80c97c5" xlink:to="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019e29b7-698b-7d0b-b9e4-023948552802" xlink:type="arc" order="19"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINSTOCKHOLDERSEQUITY" xlink:type="simple" xlink:href="ocfc-20260630.xsd#CONSOLIDATEDSTATEMENTSOFCHANGESINSTOCKHOLDERSEQUITY"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/CONSOLIDATEDSTATEMENTSOFCHANGESINSTOCKHOLDERSEQUITY" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementLineItems_019e29b7-698b-72e2-812f-f36f7b885774" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementTable_019e29b7-698b-7567-af7f-bd1ca82529f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-72e2-812f-f36f7b885774" xlink:to="loc_us-gaap_StatementTable_019e29b7-698b-7567-af7f-bd1ca82529f3" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019e29b7-698b-73ae-a816-73e6e28a05a2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019e29b7-698b-7567-af7f-bd1ca82529f3" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019e29b7-698b-73ae-a816-73e6e28a05a2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019e29b7-698b-73ae-a816-73e6e28a05a2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019e29b7-698b-73ae-a816-73e6e28a05a2" xlink:to="loc_us-gaap_EquityComponentDomain_019e29b7-698b-73ae-a816-73e6e28a05a2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019e29b7-698b-7d2d-94f0-f4e82df4b343" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019e29b7-698b-73ae-a816-73e6e28a05a2" xlink:to="loc_us-gaap_EquityComponentDomain_019e29b7-698b-7d2d-94f0-f4e82df4b343" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember_019e29b7-698b-716d-bf44-51892292407b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e29b7-698b-7d2d-94f0-f4e82df4b343" xlink:to="loc_us-gaap_PreferredStockMember_019e29b7-698b-716d-bf44-51892292407b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019e29b7-698b-7358-95fa-c04c108c1e66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e29b7-698b-7d2d-94f0-f4e82df4b343" xlink:to="loc_us-gaap_CommonStockMember_019e29b7-698b-7358-95fa-c04c108c1e66" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_NonvotingCommonEquivalentStockMember_019fcad9-2b7b-794d-af60-31b03f59e94a" xlink:href="ocfc-20260630.xsd#ocfc_NonvotingCommonEquivalentStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e29b7-698b-7d2d-94f0-f4e82df4b343" xlink:to="loc_ocfc_NonvotingCommonEquivalentStockMember_019fcad9-2b7b-794d-af60-31b03f59e94a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember_019e29b7-698b-79a1-9299-5df60de2fa92" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e29b7-698b-7d2d-94f0-f4e82df4b343" xlink:to="loc_us-gaap_AdditionalPaidInCapitalMember_019e29b7-698b-79a1-9299-5df60de2fa92" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember_019e29b7-698b-702e-8967-cadd20827746" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e29b7-698b-7d2d-94f0-f4e82df4b343" xlink:to="loc_us-gaap_RetainedEarningsMember_019e29b7-698b-702e-8967-cadd20827746" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019e29b7-698b-7027-9a1f-4eb79e4d6a11" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e29b7-698b-7d2d-94f0-f4e82df4b343" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember_019e29b7-698b-7027-9a1f-4eb79e4d6a11" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonMember_019e29b7-698b-77cf-bbe1-cd209f86cf16" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TreasuryStockCommonMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e29b7-698b-7d2d-94f0-f4e82df4b343" xlink:to="loc_us-gaap_TreasuryStockCommonMember_019e29b7-698b-77cf-bbe1-cd209f86cf16" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncontrollingInterestMember_019e29b7-698b-73ee-b7f7-0b65f35266f0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoncontrollingInterestMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e29b7-698b-7d2d-94f0-f4e82df4b343" xlink:to="loc_us-gaap_NoncontrollingInterestMember_019e29b7-698b-73ee-b7f7-0b65f35266f0" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOwnershipPlanESOPDisclosuresByPlanAxis_019e29b7-698b-752f-9f92-0245bc1a5344" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeStockOwnershipPlanESOPDisclosuresByPlanAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_StatementTable_019e29b7-698b-7567-af7f-bd1ca82529f3" xlink:to="loc_us-gaap_EmployeeStockOwnershipPlanESOPDisclosuresByPlanAxis_019e29b7-698b-752f-9f92-0245bc1a5344" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOwnershipPlanESOPPlanDomain_019e29b7-698b-752f-9f92-0245bc1a5344_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeStockOwnershipPlanESOPPlanDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_EmployeeStockOwnershipPlanESOPDisclosuresByPlanAxis_019e29b7-698b-752f-9f92-0245bc1a5344" xlink:to="loc_us-gaap_EmployeeStockOwnershipPlanESOPPlanDomain_019e29b7-698b-752f-9f92-0245bc1a5344_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOwnershipPlanESOPPlanDomain_019e29b7-698b-75e3-b8f1-c93aacc1d97b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeStockOwnershipPlanESOPPlanDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_EmployeeStockOwnershipPlanESOPDisclosuresByPlanAxis_019e29b7-698b-752f-9f92-0245bc1a5344" xlink:to="loc_us-gaap_EmployeeStockOwnershipPlanESOPPlanDomain_019e29b7-698b-75e3-b8f1-c93aacc1d97b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_EmployeeStockOwnershipPlanMember_019e29b7-698b-7da3-b59e-8f822eb75e99" xlink:href="ocfc-20260630.xsd#ocfc_EmployeeStockOwnershipPlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EmployeeStockOwnershipPlanESOPPlanDomain_019e29b7-698b-75e3-b8f1-c93aacc1d97b" xlink:to="loc_ocfc_EmployeeStockOwnershipPlanMember_019e29b7-698b-7da3-b59e-8f822eb75e99" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_StatementLineItems_019e29b7-698b-72e2-812f-f36f7b885774" xlink:to="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e29b7-698b-7b5c-afd9-33e3d53f95b8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e29b7-698b-7b5c-afd9-33e3d53f95b8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019e29b7-698b-7696-bcce-0b57e499cabb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_ProfitLoss_019e29b7-698b-7696-bcce-0b57e499cabb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019e29b7-698b-7d31-964d-6f6982d0a720" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019e29b7-698b-7d31-964d-6f6982d0a720" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_019e29b7-698b-74c0-85a6-51b1afcd8ad8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation_019e29b7-698b-74c0-85a6-51b1afcd8ad8" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfESOPAward_019e29b7-698b-776b-b491-3fe605e89597" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfESOPAward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_AmortizationOfESOPAward_019e29b7-698b-776b-b491-3fe605e89597" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash_019e29b7-698b-75f0-b9ee-85a2041e7275" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_DividendsCommonStockCash_019e29b7-698b-75f0-b9ee-85a2041e7275" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_019e29b7-698b-75e9-aa7f-e01f389ae00c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised_019e29b7-698b-75e9-aa7f-e01f389ae00c" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue_019e29b7-698b-72f0-bed2-76156056ad1b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockRepurchasedDuringPeriodValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_StockRepurchasedDuringPeriodValue_019e29b7-698b-72f0-bed2-76156056ad1b" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueAcquisitions_019eef15-32fb-7e1b-8c11-4671e6dbd698" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodValueAcquisitions"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueAcquisitions_019eef15-32fb-7e1b-8c11-4671e6dbd698" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_019fb2d1-7d08-7ab8-b843-12504033a609" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockIssuedDuringPeriodValueNewIssues"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_StockIssuedDuringPeriodValueNewIssues_019fb2d1-7d08-7ab8-b843-12504033a609" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStock_019e29b7-698b-774a-9e91-23f8e13bfcd8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendsPreferredStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_DividendsPreferredStock_019e29b7-698b-774a-9e91-23f8e13bfcd8" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders_019e29b7-698b-73d1-99d7-9a1d97c3a8ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_MinorityInterestDecreaseFromDistributionsToNoncontrollingInterestHolders_019e29b7-698b-73d1-99d7-9a1d97c3a8ab" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_StockIssuedDuringPeriodValueNewIssuesToEntityFoundation_019fb7bc-d096-7ffc-ad61-1e93ee8a5a0c" xlink:href="ocfc-20260630.xsd#ocfc_StockIssuedDuringPeriodValueNewIssuesToEntityFoundation"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_ocfc_StockIssuedDuringPeriodValueNewIssuesToEntityFoundation_019fb7bc-d096-7ffc-ad61-1e93ee8a5a0c" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockRedeemedOrCalledDuringPeriodValue_019e5f32-7a39-787a-bd1e-cfcc894723b1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockRedeemedOrCalledDuringPeriodValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_019e29b7-698b-713c-9d90-1d9066ae4d66" xlink:to="loc_us-gaap_StockRedeemedOrCalledDuringPeriodValue_019e5f32-7a39-787a-bd1e-cfcc894723b1" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e29b7-698b-7fe1-a111-6d4245bc1560" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/BusinessCombinationsNarrativeDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#BusinessCombinationsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/BusinessCombinationsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e5daa-d8d6-71f9-b53f-dbf5265f2304" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e5daa-d8d6-71f9-b53f-dbf5265f2304" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_019e5daa-d8d6-779f-92e3-43ab85ed48cc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e5daa-d8d6-71f9-b53f-dbf5265f2304" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_019e5daa-d8d6-779f-92e3-43ab85ed48cc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e5daa-d8d6-779f-92e3-43ab85ed48cc_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019e5daa-d8d6-779f-92e3-43ab85ed48cc" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e5daa-d8d6-779f-92e3-43ab85ed48cc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e5daa-d8d6-7d6c-9f24-0834519da7ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019e5daa-d8d6-779f-92e3-43ab85ed48cc" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e5daa-d8d6-7d6c-9f24-0834519da7ac" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FlushingFinancialCorporationMember_019e5daa-d8d6-7b5a-8b3d-b63d65cc10eb" xlink:href="ocfc-20260630.xsd#ocfc_FlushingFinancialCorporationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e5daa-d8d6-7d6c-9f24-0834519da7ac" xlink:to="loc_ocfc_FlushingFinancialCorporationMember_019e5daa-d8d6-7b5a-8b3d-b63d65cc10eb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_CounterpartyNameAxis_019e5e12-0b85-7544-b59e-914f1ed72d40" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_CounterpartyNameAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e5daa-d8d6-71f9-b53f-dbf5265f2304" xlink:to="loc_srt_CounterpartyNameAxis_019e5e12-0b85-7544-b59e-914f1ed72d40" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019e5e12-0b85-7544-b59e-914f1ed72d40_default" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_CounterpartyNameAxis_019e5e12-0b85-7544-b59e-914f1ed72d40" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019e5e12-0b85-7544-b59e-914f1ed72d40_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019e5e12-0b85-7366-b0fe-5b84adf7247f" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_CounterpartyNameAxis_019e5e12-0b85-7544-b59e-914f1ed72d40" xlink:to="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019e5e12-0b85-7366-b0fe-5b84adf7247f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_WarburgPincusLLCMember_019e5e12-0b85-7972-8696-0f2b62a06f1d" xlink:href="ocfc-20260630.xsd#ocfc_WarburgPincusLLCMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain_019e5e12-0b85-7366-b0fe-5b84adf7247f" xlink:to="loc_ocfc_WarburgPincusLLCMember_019e5e12-0b85-7972-8696-0f2b62a06f1d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityInterestIssuedOrIssuableByTypeAxis_019e5e12-0b85-79c4-b392-76c90ea9b835" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityInterestIssuedOrIssuableByTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e5daa-d8d6-71f9-b53f-dbf5265f2304" xlink:to="loc_us-gaap_EquityInterestIssuedOrIssuableByTypeAxis_019e5e12-0b85-79c4-b392-76c90ea9b835" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityInterestIssuedOrIssuableTypeDomain_019e5e12-0b85-79c4-b392-76c90ea9b835_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityInterestIssuedOrIssuableTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_EquityInterestIssuedOrIssuableByTypeAxis_019e5e12-0b85-79c4-b392-76c90ea9b835" xlink:to="loc_us-gaap_EquityInterestIssuedOrIssuableTypeDomain_019e5e12-0b85-79c4-b392-76c90ea9b835_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityInterestIssuedOrIssuableTypeDomain_019e5e12-0b85-79bf-b913-c197f56ada50" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityInterestIssuedOrIssuableTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_EquityInterestIssuedOrIssuableByTypeAxis_019e5e12-0b85-79c4-b392-76c90ea9b835" xlink:to="loc_us-gaap_EquityInterestIssuedOrIssuableTypeDomain_019e5e12-0b85-79bf-b913-c197f56ada50" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_019e5e12-0b85-79f1-a06a-eedd123d219d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityInterestIssuedOrIssuableTypeDomain_019e5e12-0b85-79bf-b913-c197f56ada50" xlink:to="loc_us-gaap_CommonStockMember_019e5e12-0b85-79f1-a06a-eedd123d219d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_NVCEStockMember_019e5e12-0b85-7369-8770-a81526eae297" xlink:href="ocfc-20260630.xsd#ocfc_NVCEStockMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityInterestIssuedOrIssuableTypeDomain_019e5e12-0b85-79bf-b913-c197f56ada50" xlink:to="loc_ocfc_NVCEStockMember_019e5e12-0b85-7369-8770-a81526eae297" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightAxis_019e5e15-4551-7f3e-b2a9-569f0f97aacb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfWarrantOrRightAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e5daa-d8d6-71f9-b53f-dbf5265f2304" xlink:to="loc_us-gaap_ClassOfWarrantOrRightAxis_019e5e15-4551-7f3e-b2a9-569f0f97aacb" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightDomain_019e5e15-4551-7f3e-b2a9-569f0f97aacb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfWarrantOrRightDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ClassOfWarrantOrRightAxis_019e5e15-4551-7f3e-b2a9-569f0f97aacb" xlink:to="loc_us-gaap_ClassOfWarrantOrRightDomain_019e5e15-4551-7f3e-b2a9-569f0f97aacb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightDomain_019e5e15-4551-7b5f-af2f-67ab05881398" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfWarrantOrRightDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ClassOfWarrantOrRightAxis_019e5e15-4551-7f3e-b2a9-569f0f97aacb" xlink:to="loc_us-gaap_ClassOfWarrantOrRightDomain_019e5e15-4551-7b5f-af2f-67ab05881398" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_WarburgWarrantMember_019e5e15-4551-7550-b0e9-e3e8c9d20ee0" xlink:href="ocfc-20260630.xsd#ocfc_WarburgWarrantMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfWarrantOrRightDomain_019e5e15-4551-7b5f-af2f-67ab05881398" xlink:to="loc_ocfc_WarburgWarrantMember_019e5e15-4551-7550-b0e9-e3e8c9d20ee0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare_019eef80-1d75-795d-91e4-00b6adba9c02" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_CommonStockParOrStatedValuePerShare_019eef80-1d75-795d-91e4-00b6adba9c02" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationAcquireeStockholdersShareConversionRatio_019eef81-9e11-7c22-a805-ffbdd50e8e6c" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationAcquireeStockholdersShareConversionRatio"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_ocfc_BusinessCombinationAcquireeStockholdersShareConversionRatio_019eef81-9e11-7c22-a805-ffbdd50e8e6c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationInvestmentValueByCounterparty_019e5e12-0b85-7fff-adb5-af9db176a188" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationInvestmentValueByCounterparty"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_ocfc_BusinessCombinationInvestmentValueByCounterparty_019e5e12-0b85-7fff-adb5-af9db176a188" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued_019e5e12-0b85-71f4-bebc-bc6d9ae3ae46" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued_019e5e12-0b85-71f4-bebc-bc6d9ae3ae46" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionSharePrice_019e5e12-0b85-7e66-b9df-58affda48302" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionSharePrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_BusinessAcquisitionSharePrice_019e5e12-0b85-7e66-b9df-58affda48302" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationConsiderationTransferredEquityInterestEquivalentShareIssuedNumberOfShares_019e5e12-0b85-732b-a53b-bc1a6537b21f" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationConsiderationTransferredEquityInterestEquivalentShareIssuedNumberOfShares"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_ocfc_BusinessCombinationConsiderationTransferredEquityInterestEquivalentShareIssuedNumberOfShares_019e5e12-0b85-732b-a53b-bc1a6537b21f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight_019e5e15-4551-7bdd-a320-ecb3715eb649" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight_019e5e15-4551-7bdd-a320-ecb3715eb649" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_019e5e1b-f1cd-7b89-9bc3-d9eb6331eb69" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1_019e5e1b-f1cd-7b89-9bc3-d9eb6331eb69" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantsAndRightsOutstandingTerm_019e5e1b-f1cd-76ca-b6e0-d658168d1a28" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WarrantsAndRightsOutstandingTerm"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_WarrantsAndRightsOutstandingTerm_019e5e1b-f1cd-76ca-b6e0-d658168d1a28" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_ClassOfWarrantOrRightVoluntaryExerciseByCounterpartyTriggerStockPricePerShare_019e5e22-d055-76d3-b841-9c0e9c08234b" xlink:href="ocfc-20260630.xsd#ocfc_ClassOfWarrantOrRightVoluntaryExerciseByCounterpartyTriggerStockPricePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_ocfc_ClassOfWarrantOrRightVoluntaryExerciseByCounterpartyTriggerStockPricePerShare_019e5e22-d055-76d3-b841-9c0e9c08234b" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_ClassOfWarrantOrRightMandatoryExerciseByCounterpartyTriggerStockPricePerShare_019e5e22-d055-72dd-a4a2-59ee8b06cdeb" xlink:href="ocfc-20260630.xsd#ocfc_ClassOfWarrantOrRightMandatoryExerciseByCounterpartyTriggerStockPricePerShare"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_ocfc_ClassOfWarrantOrRightMandatoryExerciseByCounterpartyTriggerStockPricePerShare_019e5e22-d055-72dd-a4a2-59ee8b06cdeb" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019e5daa-d8d6-7fec-8470-96a8e1597d0e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019e5daa-d8d6-7fec-8470-96a8e1597d0e" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationRecognizedLiabilityAssumedLoansAndLoansHeldForSale_019fa3f2-431e-7f56-aa3e-71dfbcb16d64" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationRecognizedLiabilityAssumedLoansAndLoansHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_ocfc_BusinessCombinationRecognizedLiabilityAssumedLoansAndLoansHeldForSale_019fa3f2-431e-7f56-aa3e-71dfbcb16d64" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationRecognizedLiabilityAssumedDeposits_019fa3f2-7365-782d-91ea-a48b7b0e7bdd" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationRecognizedLiabilityAssumedDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_ocfc_BusinessCombinationRecognizedLiabilityAssumedDeposits_019fa3f2-7365-782d-91ea-a48b7b0e7bdd" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019e5daa-d8d6-739c-9557-75b9f0bbe310" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019e5daa-d8d6-739c-9557-75b9f0bbe310" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireBusinessesGross_019e5daa-d8d6-79b6-867a-02f466114d7b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireBusinessesGross"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_PaymentsToAcquireBusinessesGross_019e5daa-d8d6-79b6-867a-02f466114d7b" xlink:type="arc" order="15"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019eefa1-2cd0-7729-b5ab-91345eb31ff6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_Goodwill_019eefa1-2cd0-7729-b5ab-91345eb31ff6" xlink:type="arc" order="16"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_NumberOfAnalysesUsedForLoanEstimationOfFairValueAdjustmentByMarketParticipant_019fc78a-4c66-7a8d-804b-564f41257289" xlink:href="ocfc-20260630.xsd#ocfc_NumberOfAnalysesUsedForLoanEstimationOfFairValueAdjustmentByMarketParticipant"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_ocfc_NumberOfAnalysesUsedForLoanEstimationOfFairValueAdjustmentByMarketParticipant_019fc78a-4c66-7a8d-804b-564f41257289" xlink:type="arc" order="17"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FinancingReceivableHeldForSaleSold_019fc61c-1ff8-7bfd-a3d5-9e348cff7765" xlink:href="ocfc-20260630.xsd#ocfc_FinancingReceivableHeldForSaleSold"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_ocfc_FinancingReceivableHeldForSaleSold_019fc61c-1ff8-7bfd-a3d5-9e348cff7765" xlink:type="arc" order="18"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationNumberOfPropertiesOperatedByAcquiree_019ea57c-cd27-7025-882f-f9045d69c963" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationNumberOfPropertiesOperatedByAcquiree"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_ocfc_BusinessCombinationNumberOfPropertiesOperatedByAcquiree_019ea57c-cd27-7025-882f-f9045d69c963" xlink:type="arc" order="19"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles_019ea587-0cfc-75ed-b098-da044668a3ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles_019ea587-0cfc-75ed-b098-da044668a3ec" xlink:type="arc" order="20"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_IntangibleAssetFiniteLivedAcquiredUsefulLife_019ea57f-41d5-7267-9cbf-639a86943ad1" xlink:href="ocfc-20260630.xsd#ocfc_IntangibleAssetFiniteLivedAcquiredUsefulLife"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5daa-d8d6-71b8-98fb-fc5f97a82875" xlink:to="loc_ocfc_IntangibleAssetFiniteLivedAcquiredUsefulLife_019ea57f-41d5-7267-9cbf-639a86943ad1" xlink:type="arc" order="21"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/BusinessCombinationsScheduleofEstimatedFairValuesofAssetsAcquiredandLiabilitiesDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#BusinessCombinationsScheduleofEstimatedFairValuesofAssetsAcquiredandLiabilitiesDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/BusinessCombinationsScheduleofEstimatedFairValuesofAssetsAcquiredandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_019e5e4d-f880-74af-85b5-9efd8059ea05" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e5e4d-f880-7637-98d9-dca10171ff00" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5e4d-f880-74af-85b5-9efd8059ea05" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e5e4d-f880-7637-98d9-dca10171ff00" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_019e5e4d-f880-739d-92fb-3971fc1e7b94" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e5e4d-f880-7637-98d9-dca10171ff00" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_019e5e4d-f880-739d-92fb-3971fc1e7b94" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e5e4d-f880-739d-92fb-3971fc1e7b94_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019e5e4d-f880-739d-92fb-3971fc1e7b94" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e5e4d-f880-739d-92fb-3971fc1e7b94_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e5e4d-f880-7d38-9a15-801b75303d29" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019e5e4d-f880-739d-92fb-3971fc1e7b94" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e5e4d-f880-7d38-9a15-801b75303d29" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FlushingFinancialCorporationMember_019e5e4d-f880-7b0e-be2c-353d961bff81" xlink:href="ocfc-20260630.xsd#ocfc_FlushingFinancialCorporationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e5e4d-f880-7d38-9a15-801b75303d29" xlink:to="loc_ocfc_FlushingFinancialCorporationMember_019e5e4d-f880-7b0e-be2c-353d961bff81" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationCarryingValueAxis_019fd7f8-d617-75ce-84a8-bbbc89aeec74" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationCarryingValueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e5e4d-f880-7637-98d9-dca10171ff00" xlink:to="loc_ocfc_BusinessCombinationCarryingValueAxis_019fd7f8-d617-75ce-84a8-bbbc89aeec74" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationCarryingValueDomain_019fd7f8-d617-75ce-84a8-bbbc89aeec74_default" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationCarryingValueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_ocfc_BusinessCombinationCarryingValueAxis_019fd7f8-d617-75ce-84a8-bbbc89aeec74" xlink:to="loc_ocfc_BusinessCombinationCarryingValueDomain_019fd7f8-d617-75ce-84a8-bbbc89aeec74_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationCarryingValueDomain_019fd7f8-d617-7169-b95d-7ab848a15f3b" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationCarryingValueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_ocfc_BusinessCombinationCarryingValueAxis_019fd7f8-d617-75ce-84a8-bbbc89aeec74" xlink:to="loc_ocfc_BusinessCombinationCarryingValueDomain_019fd7f8-d617-7169-b95d-7ab848a15f3b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationInitialBookValueMember_019fd800-0dd1-74e1-8962-a17e04ca1a7a" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationInitialBookValueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_BusinessCombinationCarryingValueDomain_019fd7f8-d617-7169-b95d-7ab848a15f3b" xlink:to="loc_ocfc_BusinessCombinationInitialBookValueMember_019fd800-0dd1-74e1-8962-a17e04ca1a7a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNetAbstract_019e5e80-c588-783c-bca3-473fa5244c52" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNetAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5e4d-f880-74af-85b5-9efd8059ea05" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNetAbstract_019e5e80-c588-783c-bca3-473fa5244c52" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019e5e54-3a26-7208-a1a3-5a1b74e211d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredGoodwillAndLiabilitiesAssumedNetAbstract_019e5e80-c588-783c-bca3-473fa5244c52" xlink:to="loc_us-gaap_BusinessCombinationConsiderationTransferred1_019e5e54-3a26-7208-a1a3-5a1b74e211d2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5e4d-f880-74af-85b5-9efd8059ea05" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_019e5e5b-326d-7116-b1f4-d4fe431737c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_019e5e5b-326d-7116-b1f4-d4fe431737c8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents_019e5e4d-f880-7e0c-93c1-0032054f47b2" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentCashAndCashEquivalents_019e5e4d-f880-7e0c-93c1-0032054f47b2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationRecognizedAssetAcquiredSecurities_019e5e4d-f880-7779-bd71-c73376c5dea5" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationRecognizedAssetAcquiredSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_ocfc_BusinessCombinationRecognizedAssetAcquiredSecurities_019e5e4d-f880-7779-bd71-c73376c5dea5" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentSecurities_019e5e4d-f880-78f8-bc9c-73938b966dd6" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentSecurities_019e5e4d-f880-78f8-bc9c-73938b966dd6" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationRecognizedAssetAcquiredLoansReceivableNetOfAllowanceForCreditLoss_019e5e4d-f880-7870-b76a-05575302a5d7" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationRecognizedAssetAcquiredLoansReceivableNetOfAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_ocfc_BusinessCombinationRecognizedAssetAcquiredLoansReceivableNetOfAllowanceForCreditLoss_019e5e4d-f880-7870-b76a-05575302a5d7" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReceivableNetOfAllowanceForCreditLoss_019fa3cd-d5f7-779e-a958-f02ec96922d6" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReceivableNetOfAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansReceivableNetOfAllowanceForCreditLoss_019fa3cd-d5f7-779e-a958-f02ec96922d6" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationRecognizedAssetAcquiredLoansHeldForSale_019fa3d5-2f50-72c5-a685-876958dbc2c6" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationRecognizedAssetAcquiredLoansHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_ocfc_BusinessCombinationRecognizedAssetAcquiredLoansHeldForSale_019fa3d5-2f50-72c5-a685-876958dbc2c6" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansHeldForSale_019fa3d5-5045-7c53-9977-1789e60bca95" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansHeldForSale"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansHeldForSale_019fa3d5-5045-7c53-9977-1789e60bca95" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles_019ea5dc-3f90-71c2-846c-73e5277e7cf6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibles_019ea5dc-3f90-71c2-846c-73e5277e7cf6" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_019e5e4d-f880-7e26-b899-a56e6b671e32" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentIntangibles_019e5e4d-f880-7e26-b899-a56e6b671e32" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationRecognizedAssetAcquiredOtherAsset_019e5e4d-f880-7754-9cea-eff5c318e1ab" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationRecognizedAssetAcquiredOtherAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_ocfc_BusinessCombinationRecognizedAssetAcquiredOtherAsset_019e5e4d-f880-7754-9cea-eff5c318e1ab" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAsset_019e5e82-df8c-7089-8685-ea5855e67ecf" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAsset"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherAsset_019e5e82-df8c-7089-8685-ea5855e67ecf" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019e5e4d-f880-79fe-b97b-dd229caa9826" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019e5e4d-f880-79fe-b97b-dd229caa9826" xlink:type="arc" order="13"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_019e5e4d-f880-72a6-be4d-1d98d1543a2b" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_019e5e4d-f880-760d-9a26-fc954afa2b79" xlink:to="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssets_019e5e4d-f880-72a6-be4d-1d98d1543a2b" xlink:type="arc" order="14"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019e5e84-d212-7b69-8447-d32817fdcc97" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5e4d-f880-74af-85b5-9efd8059ea05" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019e5e84-d212-7b69-8447-d32817fdcc97" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationRecognizedLiabilityAssumedDeposits_019e5e85-0f45-7395-b9a4-393f23280bb1" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationRecognizedLiabilityAssumedDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019e5e84-d212-7b69-8447-d32817fdcc97" xlink:to="loc_ocfc_BusinessCombinationRecognizedLiabilityAssumedDeposits_019e5e85-0f45-7395-b9a4-393f23280bb1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeposits_019e5e85-0f45-7823-ae31-dcb574c9802a" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019e5e84-d212-7b69-8447-d32817fdcc97" xlink:to="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentDeposits_019e5e85-0f45-7823-ae31-dcb574c9802a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationRecognizedLiabilityAssumedFederalHomeLoanBankAdvancesAndOtherBorrowings_019eefa6-913d-7cb6-b9c7-00e5ab1720eb" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationRecognizedLiabilityAssumedFederalHomeLoanBankAdvancesAndOtherBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019e5e84-d212-7b69-8447-d32817fdcc97" xlink:to="loc_ocfc_BusinessCombinationRecognizedLiabilityAssumedFederalHomeLoanBankAdvancesAndOtherBorrowings_019eefa6-913d-7cb6-b9c7-00e5ab1720eb" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFederalHomeLoanBankAdvancesAndOtherBorrowings_019fa3d1-39a0-7851-8840-5f6476fd61be" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFederalHomeLoanBankAdvancesAndOtherBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019e5e84-d212-7b69-8447-d32817fdcc97" xlink:to="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentFederalHomeLoanBankAdvancesAndOtherBorrowings_019fa3d1-39a0-7851-8840-5f6476fd61be" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationRecognizedLiabilityAssumedOtherLiability_019e5e85-0f45-793f-8afe-2ad6ef156b2b" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationRecognizedLiabilityAssumedOtherLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019e5e84-d212-7b69-8447-d32817fdcc97" xlink:to="loc_ocfc_BusinessCombinationRecognizedLiabilityAssumedOtherLiability_019e5e85-0f45-793f-8afe-2ad6ef156b2b" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiability_019e5e85-0f45-7fda-807c-d6f5cad5433a" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiability"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019e5e84-d212-7b69-8447-d32817fdcc97" xlink:to="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentOtherLiability_019e5e85-0f45-7fda-807c-d6f5cad5433a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019e5e85-0f45-77e7-8683-9f4e28b9be86" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019e5e84-d212-7b69-8447-d32817fdcc97" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019e5e85-0f45-77e7-8683-9f4e28b9be86" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_019e5e85-0f45-783b-9075-cfcc5e46c02e" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_019e5e84-d212-7b69-8447-d32817fdcc97" xlink:to="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_019e5e85-0f45-783b-9075-cfcc5e46c02e" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_019e5e85-0f45-72fb-8a98-dcb72b2a6110" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5e4d-f880-74af-85b5-9efd8059ea05" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_019e5e85-0f45-72fb-8a98-dcb72b2a6110" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssetsAcquired_019e5e85-0f45-776b-bfac-2b18929af311" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssetsAcquired"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5e4d-f880-74af-85b5-9efd8059ea05" xlink:to="loc_ocfc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentNetAssetsAcquired_019e5e85-0f45-776b-bfac-2b18929af311" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019e5e85-0f45-7ab0-b131-a13c9178e14f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e5e4d-f880-74af-85b5-9efd8059ea05" xlink:to="loc_us-gaap_Goodwill_019e5e85-0f45-7ab0-b131-a13c9178e14f" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/BusinessCombinationsScheduleofActivityofPurchasedCreditDeterioratedandPurchasedSeasonedLoansDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#BusinessCombinationsScheduleofActivityofPurchasedCreditDeterioratedandPurchasedSeasonedLoansDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/BusinessCombinationsScheduleofActivityofPurchasedCreditDeterioratedandPurchasedSeasonedLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_019fc3f6-3052-7b19-91db-119b837dbaab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fc3f6-3052-71d2-b88a-1675855e9177" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019fc3f6-3052-7b19-91db-119b837dbaab" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fc3f6-3052-71d2-b88a-1675855e9177" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_019fc3f6-3052-7923-a825-1c17abded6ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019fc3f6-3052-71d2-b88a-1675855e9177" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_019fc3f6-3052-7923-a825-1c17abded6ea" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019fc3f6-3052-7923-a825-1c17abded6ea_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019fc3f6-3052-7923-a825-1c17abded6ea" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019fc3f6-3052-7923-a825-1c17abded6ea_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019fc3f6-3052-72c3-8215-534d08c10e20" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019fc3f6-3052-7923-a825-1c17abded6ea" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019fc3f6-3052-72c3-8215-534d08c10e20" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FlushingFinancialCorporationMember_019fc3f6-3052-738e-8bb6-c4ad3a0e78e8" xlink:href="ocfc-20260630.xsd#ocfc_FlushingFinancialCorporationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019fc3f6-3052-72c3-8215-534d08c10e20" xlink:to="loc_ocfc_FlushingFinancialCorporationMember_019fc3f6-3052-738e-8bb6-c4ad3a0e78e8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FinancingReceivablePurchasedExcludingCreditDeteriorationAmountAtPurchasePriceAbstract_019fc416-8708-7fef-b9fc-d8c54aa39bff" xlink:href="ocfc-20260630.xsd#ocfc_FinancingReceivablePurchasedExcludingCreditDeteriorationAmountAtPurchasePriceAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019fc3f6-3052-7b19-91db-119b837dbaab" xlink:to="loc_ocfc_FinancingReceivablePurchasedExcludingCreditDeteriorationAmountAtPurchasePriceAbstract_019fc416-8708-7fef-b9fc-d8c54aa39bff" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FinancingReceivablePurchasedSeasonsedLoansAmountAtParValue_019fc3f6-3052-7a72-a8c7-5ea41410bc44" xlink:href="ocfc-20260630.xsd#ocfc_FinancingReceivablePurchasedSeasonsedLoansAmountAtParValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_FinancingReceivablePurchasedExcludingCreditDeteriorationAmountAtPurchasePriceAbstract_019fc416-8708-7fef-b9fc-d8c54aa39bff" xlink:to="loc_ocfc_FinancingReceivablePurchasedSeasonsedLoansAmountAtParValue_019fc3f6-3052-7a72-a8c7-5ea41410bc44" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FinancingReceivablePurchasedSeasonsedLoansAllowanceForCreditLossAtAcquisitionDate_019fc415-71a7-7ce1-ac50-4572eef10cf5" xlink:href="ocfc-20260630.xsd#ocfc_FinancingReceivablePurchasedSeasonsedLoansAllowanceForCreditLossAtAcquisitionDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_FinancingReceivablePurchasedExcludingCreditDeteriorationAmountAtPurchasePriceAbstract_019fc416-8708-7fef-b9fc-d8c54aa39bff" xlink:to="loc_ocfc_FinancingReceivablePurchasedSeasonsedLoansAllowanceForCreditLossAtAcquisitionDate_019fc415-71a7-7ce1-ac50-4572eef10cf5" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FinancingReceivablePurchasedSeasonsedLoansDiscountPremium_019fc417-e2b0-7973-b086-bf603e422aae" xlink:href="ocfc-20260630.xsd#ocfc_FinancingReceivablePurchasedSeasonsedLoansDiscountPremium"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_FinancingReceivablePurchasedExcludingCreditDeteriorationAmountAtPurchasePriceAbstract_019fc416-8708-7fef-b9fc-d8c54aa39bff" xlink:to="loc_ocfc_FinancingReceivablePurchasedSeasonsedLoansDiscountPremium_019fc417-e2b0-7973-b086-bf603e422aae" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FinancingReceivablePurchasedSeasonsedLoansAmountAtPurchasePrice_019fc419-2903-767e-9db3-410188d35172" xlink:href="ocfc-20260630.xsd#ocfc_FinancingReceivablePurchasedSeasonsedLoansAmountAtPurchasePrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_FinancingReceivablePurchasedExcludingCreditDeteriorationAmountAtPurchasePriceAbstract_019fc416-8708-7fef-b9fc-d8c54aa39bff" xlink:to="loc_ocfc_FinancingReceivablePurchasedSeasonsedLoansAmountAtPurchasePrice_019fc419-2903-767e-9db3-410188d35172" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePriceAbstract_019fc3fb-7e71-7d58-bf94-0a190643a6e0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePriceAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019fc3f6-3052-7b19-91db-119b837dbaab" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePriceAbstract_019fc3fb-7e71-7d58-bf94-0a190643a6e0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_019fc412-9093-72f4-b379-a88960cd45c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePriceAbstract_019fc3fb-7e71-7d58-bf94-0a190643a6e0" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_019fc412-9093-72f4-b379-a88960cd45c2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_019fc3f6-3052-7c20-9686-2c9e9cb17866" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePriceAbstract_019fc3fb-7e71-7d58-bf94-0a190643a6e0" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_019fc3f6-3052-7c20-9686-2c9e9cb17866" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_019fc3f6-3052-7c53-a313-27e519bbd5cc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePriceAbstract_019fc3fb-7e71-7d58-bf94-0a190643a6e0" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_019fc3f6-3052-7c53-a313-27e519bbd5cc" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_019fc3f6-3052-740c-b851-27d4fb631911" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePriceAbstract_019fc3fb-7e71-7d58-bf94-0a190643a6e0" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_019fc3f6-3052-740c-b851-27d4fb631911" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/BusinessCombinationsScheduleofSupplementalProFormaFinancialInformationDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#BusinessCombinationsScheduleofSupplementalProFormaFinancialInformationDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/BusinessCombinationsScheduleofSupplementalProFormaFinancialInformationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems_019e29b7-6a3e-717d-b6a5-245f72b5536b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e29b7-6a3e-77f7-8d66-2968bb4f66f6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e29b7-6a3e-717d-b6a5-245f72b5536b" xlink:to="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e29b7-6a3e-77f7-8d66-2968bb4f66f6" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis_019e29b7-6a3e-7de1-b03b-25ffdc945b8e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_019e29b7-6a3e-77f7-8d66-2968bb4f66f6" xlink:to="loc_us-gaap_BusinessAcquisitionAxis_019e29b7-6a3e-7de1-b03b-25ffdc945b8e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e29b7-6a3e-7de1-b03b-25ffdc945b8e_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019e29b7-6a3e-7de1-b03b-25ffdc945b8e" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e29b7-6a3e-7de1-b03b-25ffdc945b8e_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e29b7-6a3e-7421-8a31-396560454136" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_BusinessAcquisitionAxis_019e29b7-6a3e-7de1-b03b-25ffdc945b8e" xlink:to="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e29b7-6a3e-7421-8a31-396560454136" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FlushingFinancialCorporationMember_019e5de8-aca7-7c05-b304-d791fe4b3177" xlink:href="ocfc-20260630.xsd#ocfc_FlushingFinancialCorporationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain_019e29b7-6a3e-7421-8a31-396560454136" xlink:to="loc_ocfc_FlushingFinancialCorporationMember_019e5de8-aca7-7c05-b304-d791fe4b3177" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_019fdcc3-5c63-7428-a22d-48648dced1cc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationAcquisitionRelatedCosts"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e29b7-6a3e-717d-b6a5-245f72b5536b" xlink:to="loc_us-gaap_BusinessCombinationAcquisitionRelatedCosts_019fdcc3-5c63-7428-a22d-48648dced1cc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationAfterTaxPerBasicShareAdjustment_019fdcc8-c7b6-7110-ad27-1c15e6be11cc" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationAfterTaxPerBasicShareAdjustment"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e29b7-6a3e-717d-b6a5-245f72b5536b" xlink:to="loc_ocfc_BusinessCombinationAfterTaxPerBasicShareAdjustment_019fdcc8-c7b6-7110-ad27-1c15e6be11cc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationAcquireesActualInformationAbstract_019e29b7-6a3e-780b-b35b-2e1d1c7f2e8d" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationAcquireesActualInformationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e29b7-6a3e-717d-b6a5-245f72b5536b" xlink:to="loc_ocfc_BusinessCombinationAcquireesActualInformationAbstract_019e29b7-6a3e-780b-b35b-2e1d1c7f2e8d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationAcquireesNetInterestIncomeSinceAcquisitionDateActual_019ea5a8-ec4d-749a-a923-60894dea7685" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationAcquireesNetInterestIncomeSinceAcquisitionDateActual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_BusinessCombinationAcquireesActualInformationAbstract_019e29b7-6a3e-780b-b35b-2e1d1c7f2e8d" xlink:to="loc_ocfc_BusinessCombinationAcquireesNetInterestIncomeSinceAcquisitionDateActual_019ea5a8-ec4d-749a-a923-60894dea7685" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationAcquireesCreditLossExpenseSinceAcquisitionDateActual_019ea5a8-ec4d-73b8-bb22-20ef372f8535" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationAcquireesCreditLossExpenseSinceAcquisitionDateActual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_BusinessCombinationAcquireesActualInformationAbstract_019e29b7-6a3e-780b-b35b-2e1d1c7f2e8d" xlink:to="loc_ocfc_BusinessCombinationAcquireesCreditLossExpenseSinceAcquisitionDateActual_019ea5a8-ec4d-73b8-bb22-20ef372f8535" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationAcquireesNoninterestIncomeSinceAcquisitionDateActual_019ea5a8-ec4d-705a-b1a0-cec4cfa133e7" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationAcquireesNoninterestIncomeSinceAcquisitionDateActual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_BusinessCombinationAcquireesActualInformationAbstract_019e29b7-6a3e-780b-b35b-2e1d1c7f2e8d" xlink:to="loc_ocfc_BusinessCombinationAcquireesNoninterestIncomeSinceAcquisitionDateActual_019ea5a8-ec4d-705a-b1a0-cec4cfa133e7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationAcquireesNoninterestExpenseSinceAcquisitionDateActual_019ea5a8-ec4d-7a43-945d-eb450fae2915" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationAcquireesNoninterestExpenseSinceAcquisitionDateActual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_BusinessCombinationAcquireesActualInformationAbstract_019e29b7-6a3e-780b-b35b-2e1d1c7f2e8d" xlink:to="loc_ocfc_BusinessCombinationAcquireesNoninterestExpenseSinceAcquisitionDateActual_019ea5a8-ec4d-7a43-945d-eb450fae2915" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationAcquireesIncomeLossFromContinuingOperationsBeforeIncomeTaxesNoncontrollingInterestSinceAcquisitionDateActual_019fda95-1ed5-7047-a1a1-9612799cc22c" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationAcquireesIncomeLossFromContinuingOperationsBeforeIncomeTaxesNoncontrollingInterestSinceAcquisitionDateActual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_BusinessCombinationAcquireesActualInformationAbstract_019e29b7-6a3e-780b-b35b-2e1d1c7f2e8d" xlink:to="loc_ocfc_BusinessCombinationAcquireesIncomeLossFromContinuingOperationsBeforeIncomeTaxesNoncontrollingInterestSinceAcquisitionDateActual_019fda95-1ed5-7047-a1a1-9612799cc22c" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationAcquireesIncomeTaxExpenseBenefitSinceAcquisitionDateActual_019ea5a8-ec4d-76e4-a6fe-bb089914f4b2" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationAcquireesIncomeTaxExpenseBenefitSinceAcquisitionDateActual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_BusinessCombinationAcquireesActualInformationAbstract_019e29b7-6a3e-780b-b35b-2e1d1c7f2e8d" xlink:to="loc_ocfc_BusinessCombinationAcquireesIncomeTaxExpenseBenefitSinceAcquisitionDateActual_019ea5a8-ec4d-76e4-a6fe-bb089914f4b2" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual_019ea5a8-ec4d-7be8-856d-3d22654f9eab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_BusinessCombinationAcquireesActualInformationAbstract_019e29b7-6a3e-780b-b35b-2e1d1c7f2e8d" xlink:to="loc_us-gaap_BusinessCombinationProFormaInformationEarningsOrLossOfAcquireeSinceAcquisitionDateActual_019ea5a8-ec4d-7be8-856d-3d22654f9eab" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationAcquireesNetIncomeLossAvailableToCommonStockholdersBasicSinceAcquisitionDateActual_019fda98-4ce6-7fb2-bd86-04e15f09a881" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationAcquireesNetIncomeLossAvailableToCommonStockholdersBasicSinceAcquisitionDateActual"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_BusinessCombinationAcquireesActualInformationAbstract_019e29b7-6a3e-780b-b35b-2e1d1c7f2e8d" xlink:to="loc_ocfc_BusinessCombinationAcquireesNetIncomeLossAvailableToCommonStockholdersBasicSinceAcquisitionDateActual_019fda98-4ce6-7fb2-bd86-04e15f09a881" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionProFormaInformationAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems_019e29b7-6a3e-717d-b6a5-245f72b5536b" xlink:to="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProFormaInformationProFormaNetInterestIncome_019ea5a9-b31c-7e64-bf5a-a45dbedba0b5" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProFormaInformationProFormaNetInterestIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:to="loc_ocfc_BusinessCombinationProFormaInformationProFormaNetInterestIncome_019ea5a9-b31c-7e64-bf5a-a45dbedba0b5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProFormaInformationProFormaProvisionForCreditLossExpense_019ea5af-ea87-735d-88f2-6c4df411e844" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProFormaInformationProFormaProvisionForCreditLossExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:to="loc_ocfc_BusinessCombinationProFormaInformationProFormaProvisionForCreditLossExpense_019ea5af-ea87-735d-88f2-6c4df411e844" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProFormaInformationProFormaNoninterestIncome_019ea5a9-b31c-70ab-a4ae-55461b4a8519" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProFormaInformationProFormaNoninterestIncome"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:to="loc_ocfc_BusinessCombinationProFormaInformationProFormaNoninterestIncome_019ea5a9-b31c-70ab-a4ae-55461b4a8519" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProFormaInformationProFormaNoninterestExpense_019ea5a9-b31c-7a02-a34e-3a81a5647aed" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProFormaInformationProFormaNoninterestExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:to="loc_ocfc_BusinessCombinationProFormaInformationProFormaNoninterestExpense_019ea5a9-b31c-7a02-a34e-3a81a5647aed" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProFormaInformationProFormaIncomeLossFromContinuingOperationsBeforeIncomeTaxesNoncontrollingInterest_019fda95-78c3-7ed0-b8f5-0df0b6130eb5" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProFormaInformationProFormaIncomeLossFromContinuingOperationsBeforeIncomeTaxesNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:to="loc_ocfc_BusinessCombinationProFormaInformationProFormaIncomeLossFromContinuingOperationsBeforeIncomeTaxesNoncontrollingInterest_019fda95-78c3-7ed0-b8f5-0df0b6130eb5" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProFormaInformationProFormaIncomeTaxExpenseBenefit_019ea5a9-b31c-7f5c-bbbb-47afde1d273a" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProFormaInformationProFormaIncomeTaxExpenseBenefit"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:to="loc_ocfc_BusinessCombinationProFormaInformationProFormaIncomeTaxExpenseBenefit_019ea5a9-b31c-7f5c-bbbb-47afde1d273a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss_019ea5a9-b31c-7215-8226-00262aca8a9c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:to="loc_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss_019ea5a9-b31c-7215-8226-00262aca8a9c" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProFormaInformationProFormaNetIncomeLossAvailableToCommonStockholdersBasic_019fda98-8743-797e-9c89-d942423db441" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProFormaInformationProFormaNetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:to="loc_ocfc_BusinessCombinationProFormaInformationProFormaNetIncomeLossAvailableToCommonStockholdersBasic_019fda98-8743-797e-9c89-d942423db441" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_BusinessCombinationProFormaInformationProFormaWeightedAverageNumberOfSharesOutstandingDiluted_019fda9c-56b3-7b3c-8ecc-50cd272515d9" xlink:href="ocfc-20260630.xsd#ocfc_BusinessCombinationProFormaInformationProFormaWeightedAverageNumberOfSharesOutstandingDiluted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:to="loc_ocfc_BusinessCombinationProFormaInformationProFormaWeightedAverageNumberOfSharesOutstandingDiluted_019fda9c-56b3-7b3c-8ecc-50cd272515d9" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionProFormaEarningsPerShareDiluted_019ea5a9-b31c-7a61-9017-359ce63f8625" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessAcquisitionProFormaEarningsPerShareDiluted"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_BusinessAcquisitionProFormaInformationAbstract_019e29b7-6af4-75c4-b569-c9b10fea38a9" xlink:to="loc_us-gaap_BusinessAcquisitionProFormaEarningsPerShareDiluted_019ea5a9-b31c-7a61-9017-359ce63f8625" xlink:type="arc" order="10"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/EarningsLossperShareScheduleofAntidilutiveSecuritiesExcludedfromComputationofEarningsPerShareDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#EarningsLossperShareScheduleofAntidilutiveSecuritiesExcludedfromComputationofEarningsPerShareDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/EarningsLossperShareScheduleofAntidilutiveSecuritiesExcludedfromComputationofEarningsPerShareDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019eef2d-24e5-71db-b188-9ed04ceb2162" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_019eef2d-24e5-74e2-a822-277e34a5fcb6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019eef2d-24e5-71db-b188-9ed04ceb2162" xlink:to="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_019eef2d-24e5-74e2-a822-277e34a5fcb6" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_019eef2d-24e5-772d-9b9b-9425b0bca7b4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_019eef2d-24e5-74e2-a822-277e34a5fcb6" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_019eef2d-24e5-772d-9b9b-9425b0bca7b4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesNameDomain_019eef2d-24e5-772d-9b9b-9425b0bca7b4_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AntidilutiveSecuritiesNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_019eef2d-24e5-772d-9b9b-9425b0bca7b4" xlink:to="loc_us-gaap_AntidilutiveSecuritiesNameDomain_019eef2d-24e5-772d-9b9b-9425b0bca7b4_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesNameDomain_019eef2d-24e5-75d1-ae79-1f557b95d4bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AntidilutiveSecuritiesNameDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis_019eef2d-24e5-772d-9b9b-9425b0bca7b4" xlink:to="loc_us-gaap_AntidilutiveSecuritiesNameDomain_019eef2d-24e5-75d1-ae79-1f557b95d4bf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember_019fb78a-9a39-7b0c-ae42-b1bf9ead8f26" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_019eef2d-24e5-75d1-ae79-1f557b95d4bf" xlink:to="loc_us-gaap_EmployeeStockOptionMember_019fb78a-9a39-7b0c-ae42-b1bf9ead8f26" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_WarburgWarrantMember_019fd7a2-1458-7735-a1e6-0434fe780c54" xlink:href="ocfc-20260630.xsd#ocfc_WarburgWarrantMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_019eef2d-24e5-75d1-ae79-1f557b95d4bf" xlink:to="loc_ocfc_WarburgWarrantMember_019fd7a2-1458-7735-a1e6-0434fe780c54" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockCompensationPlanMember_019fb7b3-1172-714e-8461-9d1adb64634c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockCompensationPlanMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesNameDomain_019eef2d-24e5-75d1-ae79-1f557b95d4bf" xlink:to="loc_us-gaap_StockCompensationPlanMember_019fb7b3-1172-714e-8461-9d1adb64634c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_019eef2d-24e5-70da-b559-26300bc22bbc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems_019eef2d-24e5-71db-b188-9ed04ceb2162" xlink:to="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_019eef2d-24e5-70da-b559-26300bc22bbc" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/SecuritiesScheduleofDebtSecuritiesAFSandHTMDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#SecuritiesScheduleofDebtSecuritiesAFSandHTMDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/SecuritiesScheduleofDebtSecuritiesAFSandHTMDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019e29b7-698b-7333-99af-218750ebe81d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesFinancingTransactionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTable_019e29b7-698b-7797-879e-b6cae36b1eff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesFinancingTransactionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019e29b7-698b-7333-99af-218750ebe81d" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTable_019e29b7-698b-7797-879e-b6cae36b1eff" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019e29b7-698b-7e0a-ada0-bd8bd341b658" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTable_019e29b7-698b-7797-879e-b6cae36b1eff" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019e29b7-698b-7e0a-ada0-bd8bd341b658" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-698b-7e0a-ada0-bd8bd341b658_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e29b7-698b-7e0a-ada0-bd8bd341b658" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-698b-7e0a-ada0-bd8bd341b658_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-698b-7c45-bac7-74166ec08860" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e29b7-698b-7e0a-ada0-bd8bd341b658" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-698b-7c45-bac7-74166ec08860" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-698b-7c6f-99fd-2383ac7efeac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-698b-7c45-bac7-74166ec08860" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-698b-7c6f-99fd-2383ac7efeac" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_019e29b7-698b-7779-ad77-e705042528cf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-698b-7c6f-99fd-2383ac7efeac" xlink:to="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_019e29b7-698b-7779-ad77-e705042528cf" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e29b7-698b-7286-926a-6f597e3523fe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-698b-7c6f-99fd-2383ac7efeac" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e29b7-698b-7286-926a-6f597e3523fe" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019e29b7-698b-7378-8d03-684fb858eb5c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-698b-7c6f-99fd-2383ac7efeac" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019e29b7-698b-7378-8d03-684fb858eb5c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019e29b7-698b-73c4-9862-980f75133342" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-698b-7c6f-99fd-2383ac7efeac" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019e29b7-698b-73c4-9862-980f75133342" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019e29b7-698b-76f6-acc9-75efb18e6ef6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-698b-7c6f-99fd-2383ac7efeac" xlink:to="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019e29b7-698b-76f6-acc9-75efb18e6ef6" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019e29b7-698b-72a1-8810-915d020e090a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-698b-7c6f-99fd-2383ac7efeac" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019e29b7-698b-72a1-8810-915d020e090a" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesOtherMember_019e29b7-698b-7311-8c23-fd12b7c8c1a5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-698b-7c6f-99fd-2383ac7efeac" xlink:to="loc_us-gaap_MortgageBackedSecuritiesOtherMember_019e29b7-698b-7311-8c23-fd12b7c8c1a5" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019e29b7-698b-7333-99af-218750ebe81d" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e29b7-6a3d-7632-beb4-9647e028a954" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e29b7-6a3d-7632-beb4-9647e028a954" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019e29b7-6a3d-7188-9816-8347cd93e517" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax_019e29b7-6a3d-7188-9816-8347cd93e517" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019e29b7-6a3d-7774-952c-9e42a5a8bb9c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax_019e29b7-6a3d-7774-952c-9e42a5a8bb9c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e29b7-6a3d-798d-b184-7f00b143881e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e29b7-6a3d-798d-b184-7f00b143881e" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_019e29b7-6a3d-7100-ba7f-51f259578851" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAmortizedCostAllowanceForCreditLossExcludingAccruedInterest_019e29b7-6a3d-7100-ba7f-51f259578851" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossAndFairValueHedgeCumulativeIncreaseDecrease_019e29b7-6a3d-7ac4-ae8e-98d397d04a17" xlink:href="ocfc-20260630.xsd#ocfc_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossAndFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_ocfc_DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLossAndFairValueHedgeCumulativeIncreaseDecrease_019e29b7-6a3d-7ac4-ae8e-98d397d04a17" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainBeforeTaxAndFairValueHedgeCumulativeIncreaseDecrease_019e29b7-6a3d-7774-be5c-991657befab7" xlink:href="ocfc-20260630.xsd#ocfc_DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainBeforeTaxAndFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_ocfc_DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedGainBeforeTaxAndFairValueHedgeCumulativeIncreaseDecrease_019e29b7-6a3d-7774-be5c-991657befab7" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedLossBeforeTaxAndFairValueHedgeCumulativeIncreaseDecrease_019e29b7-6a3d-7da3-8f25-0716f6bb2261" xlink:href="ocfc-20260630.xsd#ocfc_DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedLossBeforeTaxAndFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_ocfc_DebtSecuritiesAvailableForSaleAccumulatedGrossUnrealizedLossBeforeTaxAndFairValueHedgeCumulativeIncreaseDecrease_019e29b7-6a3d-7da3-8f25-0716f6bb2261" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_DebtSecuritiesAvailableForSaleExcludingAccruedInterestBeforeFairValueHedgeCumulativeIncreaseDecrease_019e29b7-6a3d-7737-a946-b24b3d2b0865" xlink:href="ocfc-20260630.xsd#ocfc_DebtSecuritiesAvailableForSaleExcludingAccruedInterestBeforeFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_ocfc_DebtSecuritiesAvailableForSaleExcludingAccruedInterestBeforeFairValueHedgeCumulativeIncreaseDecrease_019e29b7-6a3d-7737-a946-b24b3d2b0865" xlink:type="arc" order="9"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_DebtSecuritiesAvailableForSaleAllowanceForCreditLossExcludingAccruedInterestBeforeFairValueHedgeCumulativeIncreaseDecrease_019e29b7-6a3d-743e-94e4-64df49ad7e91" xlink:href="ocfc-20260630.xsd#ocfc_DebtSecuritiesAvailableForSaleAllowanceForCreditLossExcludingAccruedInterestBeforeFairValueHedgeCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_ocfc_DebtSecuritiesAvailableForSaleAllowanceForCreditLossExcludingAccruedInterestBeforeFairValueHedgeCumulativeIncreaseDecrease_019e29b7-6a3d-743e-94e4-64df49ad7e91" xlink:type="arc" order="10"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019e29b7-6a3d-7bf0-825c-39d429c067c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019e29b7-6a3d-7bf0-825c-39d429c067c2" xlink:type="arc" order="11"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedLossBeforeTaxCumulativeIncreaseDecrease_019e29b7-6a3d-7a19-8fdc-b3281dda6899" xlink:href="ocfc-20260630.xsd#ocfc_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedLossBeforeTaxCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7c7c-a6d8-5cef3aa0ff97" xlink:to="loc_ocfc_HedgedAssetFairValueHedgePortfolioLayerMethodHedgedLayerAccumulatedGrossUnrealizedLossBeforeTaxCumulativeIncreaseDecrease_019e29b7-6a3d-7a19-8fdc-b3281dda6899" xlink:type="arc" order="12"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7997-9c6d-c1a71276eb99" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019e29b7-698b-7333-99af-218750ebe81d" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7997-9c6d-c1a71276eb99" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e29b7-6a3d-74aa-a6ee-9ccc4abf6139" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7997-9c6d-c1a71276eb99" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e29b7-6a3d-74aa-a6ee-9ccc4abf6139" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019e29b7-6a3d-7f91-b4ba-b77dafb190f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7997-9c6d-c1a71276eb99" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain_019e29b7-6a3d-7f91-b4ba-b77dafb190f8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019e29b7-6a3d-7dba-8c1e-a71836232a81" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7997-9c6d-c1a71276eb99" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019e29b7-6a3d-7dba-8c1e-a71836232a81" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e29b7-6a3d-7399-b5c2-e8dbdde96d1d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7997-9c6d-c1a71276eb99" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e29b7-6a3d-7399-b5c2-e8dbdde96d1d" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_019e29b7-6a3d-77a4-84cc-78b9308d8d77" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7997-9c6d-c1a71276eb99" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityAllowanceForCreditLossExcludingAccruedInterest_019e29b7-6a3d-77a4-84cc-78b9308d8d77" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_AvailableForSaleSecuritiesAndHeldToMaturityAmortizedCost_019e29b7-6a3d-76bf-8b2c-5c89789c0130" xlink:href="ocfc-20260630.xsd#ocfc_AvailableForSaleSecuritiesAndHeldToMaturityAmortizedCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019e29b7-698b-7333-99af-218750ebe81d" xlink:to="loc_ocfc_AvailableForSaleSecuritiesAndHeldToMaturityAmortizedCost_019e29b7-6a3d-76bf-8b2c-5c89789c0130" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedGain_019e29b7-6a3d-791b-b56d-bf7a448f60a7" xlink:href="ocfc-20260630.xsd#ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedGain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019e29b7-698b-7333-99af-218750ebe81d" xlink:to="loc_ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedGain_019e29b7-6a3d-791b-b56d-bf7a448f60a7" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedLoss_019e29b7-6a3d-7d4c-b56d-e660347e8c5f" xlink:href="ocfc-20260630.xsd#ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019e29b7-698b-7333-99af-218750ebe81d" xlink:to="loc_ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesGrossUnrealizedLoss_019e29b7-6a3d-7d4c-b56d-e660347e8c5f" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesEstimatedFairValue_019e29b7-6a3d-74bd-98c5-516fc96a4fbf" xlink:href="ocfc-20260630.xsd#ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesEstimatedFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019e29b7-698b-7333-99af-218750ebe81d" xlink:to="loc_ocfc_AvailableForSaleSecuritiesAndHeldToMaturitySecuritiesEstimatedFairValue_019e29b7-6a3d-74bd-98c5-516fc96a4fbf" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/SecuritiesScheduleofAmortizedCostofDebtSecuritiesHTMAggregatedbyCreditQualityIndicatorDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#SecuritiesScheduleofAmortizedCostofDebtSecuritiesHTMAggregatedbyCreditQualityIndicatorDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/SecuritiesScheduleofAmortizedCostofDebtSecuritiesHTMAggregatedbyCreditQualityIndicatorDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019e29b7-6a3d-7ad2-902b-4e35026af07d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesFinancingTransactionLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesFinancingTransactionTable_019e29b7-6a3d-7b34-85d3-2268bca0b741" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesFinancingTransactionTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019e29b7-6a3d-7ad2-902b-4e35026af07d" xlink:to="loc_us-gaap_SecuritiesFinancingTransactionTable_019e29b7-6a3d-7b34-85d3-2268bca0b741" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-76d4-8b29-e6eb9ebd0055" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTable_019e29b7-6a3d-7b34-85d3-2268bca0b741" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-76d4-8b29-e6eb9ebd0055" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-76d4-8b29-e6eb9ebd0055_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-76d4-8b29-e6eb9ebd0055" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-76d4-8b29-e6eb9ebd0055_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7019-a7aa-d1bc36f453ad" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-76d4-8b29-e6eb9ebd0055" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7019-a7aa-d1bc36f453ad" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e29b7-6a3d-7a26-8671-e4bde288e4c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7019-a7aa-d1bc36f453ad" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e29b7-6a3d-7a26-8671-e4bde288e4c5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019e29b7-6a3d-7c5b-9478-9788bc96c6b8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7019-a7aa-d1bc36f453ad" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019e29b7-6a3d-7c5b-9478-9788bc96c6b8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-6a3d-7a21-8924-166290418a71" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7019-a7aa-d1bc36f453ad" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-6a3d-7a21-8924-166290418a71" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_019e29b7-6a3d-7ddd-a086-c0aee1162658" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionTable_019e29b7-6a3d-7b34-85d3-2268bca0b741" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_019e29b7-6a3d-7ddd-a086-c0aee1162658" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7ddd-a086-c0aee1162658_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_019e29b7-6a3d-7ddd-a086-c0aee1162658" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7ddd-a086-c0aee1162658_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7abb-820d-d47bccf28627" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_019e29b7-6a3d-7ddd-a086-c0aee1162658" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7abb-820d-d47bccf28627" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalInvestmentGradeMember_019e29b7-6a3d-77b5-a846-d94df431161b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalInvestmentGradeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7abb-820d-d47bccf28627" xlink:to="loc_us-gaap_InternalInvestmentGradeMember_019e29b7-6a3d-77b5-a846-d94df431161b" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalNoninvestmentGradeMember_019e29b7-6a3d-7bc8-a090-70bba5bfd1c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalNoninvestmentGradeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7abb-820d-d47bccf28627" xlink:to="loc_us-gaap_InternalNoninvestmentGradeMember_019e29b7-6a3d-7bc8-a090-70bba5bfd1c5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019e29b7-6a3d-725d-aeab-fa0787719e1f" xlink:href="ocfc-20260630.xsd#ocfc_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_SecuritiesFinancingTransactionLineItems_019e29b7-6a3d-7ad2-902b-4e35026af07d" xlink:to="loc_ocfc_DebtSecuritiesHeldToMaturityAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss_019e29b7-6a3d-725d-aeab-fa0787719e1f" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/SecuritiesNarrativeDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#SecuritiesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/SecuritiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019e29b7-6a3d-737b-81f5-f46b6c58ff41" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019e29b7-6a3d-7bbc-a1a5-e1a24aa45620" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019e29b7-6a3d-737b-81f5-f46b6c58ff41" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019e29b7-6a3d-7bbc-a1a5-e1a24aa45620" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-71cf-bc10-465c02deb014" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtSecuritiesAvailableForSaleTable_019e29b7-6a3d-7bbc-a1a5-e1a24aa45620" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-71cf-bc10-465c02deb014" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-71cf-bc10-465c02deb014_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-71cf-bc10-465c02deb014" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-71cf-bc10-465c02deb014_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-72db-b6a3-08e5f85fb440" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-71cf-bc10-465c02deb014" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-72db-b6a3-08e5f85fb440" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019e29b7-6a3d-7f47-b929-f20e452c7d49" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-72db-b6a3-08e5f85fb440" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019e29b7-6a3d-7f47-b929-f20e452c7d49" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e29b7-6a3d-79a5-9a69-2c240539fcb7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-72db-b6a3-08e5f85fb440" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e29b7-6a3d-79a5-9a69-2c240539fcb7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019e29b7-6a3d-7351-b2b9-c169e8cc1516" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-72db-b6a3-08e5f85fb440" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019e29b7-6a3d-7351-b2b9-c169e8cc1516" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019e29b7-6a3d-76d4-bef1-57db293ca1ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019e29b7-6a3d-737b-81f5-f46b6c58ff41" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleRealizedGainLoss_019e29b7-6a3d-76d4-bef1-57db293ca1ca" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_019e29b7-6a3d-7329-b984-37c8b5d11ed0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019e29b7-6a3d-737b-81f5-f46b6c58ff41" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityAmortizedCostBeforeAllowanceForCreditLoss_019e29b7-6a3d-7329-b984-37c8b5d11ed0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_019e29b7-6a3d-7578-8d65-95f9130a9478" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019e29b7-6a3d-737b-81f5-f46b6c58ff41" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleAndHeldToMaturityFairValue_019e29b7-6a3d-7578-8d65-95f9130a9478" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_NumberOfAcquiredNonperformingInvestmentsWhichFullRecoveryIsExpected_019fd2e4-e1c2-728e-94f3-a37c2ecffe0c" xlink:href="ocfc-20260630.xsd#ocfc_NumberOfAcquiredNonperformingInvestmentsWhichFullRecoveryIsExpected"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019e29b7-6a3d-737b-81f5-f46b6c58ff41" xlink:to="loc_ocfc_NumberOfAcquiredNonperformingInvestmentsWhichFullRecoveryIsExpected_019fd2e4-e1c2-728e-94f3-a37c2ecffe0c" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_AcquiredNonperformingInvestmentWhichFullRecoveryIsExpected_019fd2e2-d0fb-70c2-b008-7babd57301dd" xlink:href="ocfc-20260630.xsd#ocfc_AcquiredNonperformingInvestmentWhichFullRecoveryIsExpected"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019e29b7-6a3d-737b-81f5-f46b6c58ff41" xlink:to="loc_ocfc_AcquiredNonperformingInvestmentWhichFullRecoveryIsExpected_019fd2e2-d0fb-70c2-b008-7babd57301dd" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_EquityInvestments_019e29b7-6a3d-7c09-be04-c4392724db76" xlink:href="ocfc-20260630.xsd#ocfc_EquityInvestments"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_019e29b7-6a3d-737b-81f5-f46b6c58ff41" xlink:to="loc_ocfc_EquityInvestments_019e29b7-6a3d-7c09-be04-c4392724db76" xlink:type="arc" order="5"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/SecuritiesScheduleofEstimatedFairValueandUnrealizedLossesforDebtSecuritiesAFSandHTMDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#SecuritiesScheduleofEstimatedFairValueandUnrealizedLossesforDebtSecuritiesAFSandHTMDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/SecuritiesScheduleofEstimatedFairValueandUnrealizedLossesforDebtSecuritiesAFSandHTMDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems_019e29b7-6a3d-797c-bb27-d64c1777a732" xlink:href="ocfc-20260630.xsd#ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTable_019e29b7-6a3d-7635-a4b2-261bacc009ee" xlink:href="ocfc-20260630.xsd#ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems_019e29b7-6a3d-797c-bb27-d64c1777a732" xlink:to="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTable_019e29b7-6a3d-7635-a4b2-261bacc009ee" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-739f-bbe7-f0df2708fa0a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTable_019e29b7-6a3d-7635-a4b2-261bacc009ee" xlink:to="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-739f-bbe7-f0df2708fa0a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-739f-bbe7-f0df2708fa0a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-739f-bbe7-f0df2708fa0a" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-739f-bbe7-f0df2708fa0a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7d6f-a753-8ebbab860859" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancialInstrumentAxis_019e29b7-6a3d-739f-bbe7-f0df2708fa0a" xlink:to="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7d6f-a753-8ebbab860859" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_019e29b7-6a3d-798c-92bd-fba8130a71b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USGovernmentAgenciesDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7d6f-a753-8ebbab860859" xlink:to="loc_us-gaap_USGovernmentAgenciesDebtSecuritiesMember_019e29b7-6a3d-798c-92bd-fba8130a71b9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e29b7-6a3d-7803-987c-4261912e64af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7d6f-a753-8ebbab860859" xlink:to="loc_us-gaap_USStatesAndPoliticalSubdivisionsMember_019e29b7-6a3d-7803-987c-4261912e64af" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateDebtSecuritiesMember_019e29b7-6a3d-7f86-b46c-8cd82dba8e55" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CorporateDebtSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7d6f-a753-8ebbab860859" xlink:to="loc_us-gaap_CorporateDebtSecuritiesMember_019e29b7-6a3d-7f86-b46c-8cd82dba8e55" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetBackedSecuritiesMember_019e29b7-6a3d-7066-a5ce-64332f9ac708" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7d6f-a753-8ebbab860859" xlink:to="loc_us-gaap_AssetBackedSecuritiesMember_019e29b7-6a3d-7066-a5ce-64332f9ac708" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-6a3d-7837-9fef-5077037e78ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_019e29b7-6a3d-7d6f-a753-8ebbab860859" xlink:to="loc_us-gaap_MortgageBackedSecuritiesMember_019e29b7-6a3d-7837-9fef-5077037e78ac" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis_019e29b7-6a3d-752d-af52-405e29c7af75" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTable_019e29b7-6a3d-7635-a4b2-261bacc009ee" xlink:to="loc_us-gaap_InvestmentTypeAxis_019e29b7-6a3d-752d-af52-405e29c7af75" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019e29b7-6a3d-752d-af52-405e29c7af75_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InvestmentTypeAxis_019e29b7-6a3d-752d-af52-405e29c7af75" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019e29b7-6a3d-752d-af52-405e29c7af75_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember_019e29b7-6a3d-7d8e-a7e0-0657bba51b6a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InvestmentTypeAxis_019e29b7-6a3d-752d-af52-405e29c7af75" xlink:to="loc_us-gaap_InvestmentTypeCategorizationMember_019e29b7-6a3d-7d8e-a7e0-0657bba51b6a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesInvestmentMember_019e29b7-6a3d-7406-b7de-d89775576825" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesInvestmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019e29b7-6a3d-7d8e-a7e0-0657bba51b6a" xlink:to="loc_us-gaap_SecuritiesInvestmentMember_019e29b7-6a3d-7406-b7de-d89775576825" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019e29b7-6a3d-7399-b459-f4bf2e92c398" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019e29b7-6a3d-7d8e-a7e0-0657bba51b6a" xlink:to="loc_us-gaap_ResidentialMortgageBackedSecuritiesMember_019e29b7-6a3d-7399-b459-f4bf2e92c398" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019e29b7-6a3d-7487-ac77-35e1327bc425" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019e29b7-6a3d-7d8e-a7e0-0657bba51b6a" xlink:to="loc_us-gaap_CommercialMortgageBackedSecuritiesMember_019e29b7-6a3d-7487-ac77-35e1327bc425" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesOtherMember_019e29b7-6a3d-7409-964c-6863b05ec822" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember_019e29b7-6a3d-7d8e-a7e0-0657bba51b6a" xlink:to="loc_us-gaap_MortgageBackedSecuritiesOtherMember_019e29b7-6a3d-7409-964c-6863b05ec822" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7021-b85c-28bdea3b5761" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems_019e29b7-6a3d-797c-bb27-d64c1777a732" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7021-b85c-28bdea3b5761" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019e29b7-6a3d-7867-9650-5c4611e29e9d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7021-b85c-28bdea3b5761" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months_019e29b7-6a3d-7867-9650-5c4611e29e9d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e29b7-6a3d-73cf-908e-b68b424ed935" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7021-b85c-28bdea3b5761" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e29b7-6a3d-73cf-908e-b68b424ed935" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019e29b7-6a3d-7be7-99b7-31a198d5bc4b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7021-b85c-28bdea3b5761" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger_019e29b7-6a3d-7be7-99b7-31a198d5bc4b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e29b7-6a3d-7019-95db-fa98e909159b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7021-b85c-28bdea3b5761" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e29b7-6a3d-7019-95db-fa98e909159b" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019e29b7-6a3d-7c94-926a-0f04010d806e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7021-b85c-28bdea3b5761" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPosition_019e29b7-6a3d-7c94-926a-0f04010d806e" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019e29b7-6a3d-74bf-a3a1-ba2fad037b1e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesAbstract_019e29b7-6a3d-7021-b85c-28bdea3b5761" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss_019e29b7-6a3d-74bf-a3a1-ba2fad037b1e" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7612-a4dc-8bb03e5623b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems_019e29b7-6a3d-797c-bb27-d64c1777a732" xlink:to="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7612-a4dc-8bb03e5623b9" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_019e29b7-6a3d-7b46-8253-be7860aecfd0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7612-a4dc-8bb03e5623b9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_019e29b7-6a3d-7b46-8253-be7860aecfd0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e29b7-6a3d-754a-8ed0-e675e0d97023" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7612-a4dc-8bb03e5623b9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss_019e29b7-6a3d-754a-8ed0-e675e0d97023" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_019e29b7-6a3d-751e-9839-0429389da50e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7612-a4dc-8bb03e5623b9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_019e29b7-6a3d-751e-9839-0429389da50e" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e29b7-6a3d-7126-9a53-f09ec83be111" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7612-a4dc-8bb03e5623b9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss_019e29b7-6a3d-7126-9a53-f09ec83be111" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_019e29b7-6a3d-7eeb-bfd3-a877ff6f84a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7612-a4dc-8bb03e5623b9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_019e29b7-6a3d-7eeb-bfd3-a877ff6f84a7" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019e29b7-6a3d-7f05-844d-d508aa821294" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtSecuritiesHeldToMaturityFairValueAbstract_019e29b7-6a3d-7612-a4dc-8bb03e5623b9" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss_019e29b7-6a3d-7f05-844d-d508aa821294" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_019e29b7-6a3d-75c7-95ce-a2cc008406c1" xlink:href="ocfc-20260630.xsd#ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems_019e29b7-6a3d-797c-bb27-d64c1777a732" xlink:to="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue_019e29b7-6a3d-75c7-95ce-a2cc008406c1" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLosses_019e29b7-6a3d-7586-947d-acd7f475f272" xlink:href="ocfc-20260630.xsd#ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLosses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems_019e29b7-6a3d-797c-bb27-d64c1777a732" xlink:to="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsAggregateLosses_019e29b7-6a3d-7586-947d-acd7f475f272" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_019e29b7-6a3d-7778-98c9-6f4d1daf731a" xlink:href="ocfc-20260630.xsd#ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems_019e29b7-6a3d-797c-bb27-d64c1777a732" xlink:to="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue_019e29b7-6a3d-7778-98c9-6f4d1daf731a" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLosses_019e29b7-6a3d-7900-82a9-13edcb4d2425" xlink:href="ocfc-20260630.xsd#ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLosses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems_019e29b7-6a3d-797c-bb27-d64c1777a732" xlink:to="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerAggregateLosses_019e29b7-6a3d-7900-82a9-13edcb4d2425" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_019e29b7-6a3d-7fab-8160-fe4ce84aad99" xlink:href="ocfc-20260630.xsd#ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems_019e29b7-6a3d-797c-bb27-d64c1777a732" xlink:to="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionFairValue_019e29b7-6a3d-7fab-8160-fe4ce84aad99" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses_019e29b7-6a3d-79f4-b4eb-84c8298b484e" xlink:href="ocfc-20260630.xsd#ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems_019e29b7-6a3d-797c-bb27-d64c1777a732" xlink:to="loc_ocfc_AvailableForSaleAndHeldToMaturitySecuritiesContinuousUnrealizedLossPositionAggregateLosses_019e29b7-6a3d-79f4-b4eb-84c8298b484e" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019e29b7-6a3d-7902-989b-51feebd32b69" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_ScheduleOfAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesLineItems_019e29b7-6a3d-797c-bb27-d64c1777a732" xlink:to="loc_us-gaap_HedgedAssetFairValueHedgeLastOfLayerCumulativeIncreaseDecrease_019e29b7-6a3d-7902-989b-51feebd32b69" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofLoansReceivableNetDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#LoansReceivableNetScheduleofLoansReceivableNetDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofLoansReceivableNetDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-79da-aa7a-7a71230efe3d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019e29b7-6a3d-7bcc-bf8d-85b9dbb8db98" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-79da-aa7a-7a71230efe3d" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019e29b7-6a3d-7bcc-bf8d-85b9dbb8db98" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-72ca-bbae-975d05b2c946" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019e29b7-6a3d-7bcc-bf8d-85b9dbb8db98" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-72ca-bbae-975d05b2c946" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-72ca-bbae-975d05b2c946_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-72ca-bbae-975d05b2c946" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-72ca-bbae-975d05b2c946_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7187-8818-65db2d864e76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-72ca-bbae-975d05b2c946" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7187-8818-65db2d864e76" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019e29b7-6a3d-7743-80c9-bed9cf9a7866" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7187-8818-65db2d864e76" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019e29b7-6a3d-7743-80c9-bed9cf9a7866" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019e29b7-6a3d-7e0f-b7da-19cc002e8201" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7187-8818-65db2d864e76" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019e29b7-6a3d-7e0f-b7da-19cc002e8201" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-7bd8-8c81-5aacba065454" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019e29b7-6a3d-7bcc-bf8d-85b9dbb8db98" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-7bd8-8c81-5aacba065454" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7bd8-8c81-5aacba065454_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-7bd8-8c81-5aacba065454" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7bd8-8c81-5aacba065454_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7374-961f-6c863b855a2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-7bd8-8c81-5aacba065454" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7374-961f-6c863b855a2f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-748d-aaad-cdcf3f9f50c0" xlink:href="ocfc-20260630.xsd#ocfc_CommercialRealEstateInvestorMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7374-961f-6c863b855a2f" xlink:to="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-748d-aaad-cdcf3f9f50c0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-79b7-941d-ee0f367827f2" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7374-961f-6c863b855a2f" xlink:to="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-79b7-941d-ee0f367827f2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e29b7-6a3d-76d9-922d-177b83f1e39d" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-79b7-941d-ee0f367827f2" xlink:to="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e29b7-6a3d-76d9-922d-177b83f1e39d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e29b7-6a3d-7d4d-9ddf-6c2d8991b8f9" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialNonRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-79b7-941d-ee0f367827f2" xlink:to="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e29b7-6a3d-7d4d-9ddf-6c2d8991b8f9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_019e29b7-6a3d-7633-b25b-04ff7b953e13" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7374-961f-6c863b855a2f" xlink:to="loc_us-gaap_ResidentialMortgageMember_019e29b7-6a3d-7633-b25b-04ff7b953e13" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerOtherMember_019e29b7-6a3d-7c56-94e1-e2b193dd43ee" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7374-961f-6c863b855a2f" xlink:to="loc_us-gaap_ConsumerOtherMember_019e29b7-6a3d-7c56-94e1-e2b193dd43ee" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableBeforeAllowanceForCreditLossAndFee_019e29b7-6a3d-7417-924f-5b726de18aa1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableBeforeAllowanceForCreditLossAndFee"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-79da-aa7a-7a71230efe3d" xlink:to="loc_us-gaap_FinancingReceivableBeforeAllowanceForCreditLossAndFee_019e29b7-6a3d-7417-924f-5b726de18aa1" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableUnamortizedLoanFeeCost_019e29b7-6a3d-7712-be72-ed1bae5487b0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableUnamortizedLoanFeeCost"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-79da-aa7a-7a71230efe3d" xlink:to="loc_us-gaap_FinancingReceivableUnamortizedLoanFeeCost_019e29b7-6a3d-7712-be72-ed1bae5487b0" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019e29b7-6a3d-7a1f-b51e-68e3ddb5a3cf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-79da-aa7a-7a71230efe3d" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019e29b7-6a3d-7a1f-b51e-68e3ddb5a3cf" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019e29b7-6a3d-74f9-8848-cae462a26972" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-79da-aa7a-7a71230efe3d" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019e29b7-6a3d-74f9-8848-cae462a26972" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofTotalLoansbyYearofOriginationInternallyAssignedCreditGradesRiskCharacteristicsandGrossChargeOffsDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#LoansReceivableNetScheduleofTotalLoansbyYearofOriginationInternallyAssignedCreditGradesRiskCharacteristicsandGrossChargeOffsDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofTotalLoansbyYearofOriginationInternallyAssignedCreditGradesRiskCharacteristicsandGrossChargeOffsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019e29b7-6a3d-7d66-9020-991dcf686a90" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019e29b7-6a3d-74e3-a76b-5cd4afa70b49" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019e29b7-6a3d-7d66-9020-991dcf686a90" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019e29b7-6a3d-74e3-a76b-5cd4afa70b49" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-74ec-82bb-ef349677c3f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019e29b7-6a3d-74e3-a76b-5cd4afa70b49" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-74ec-82bb-ef349677c3f7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-74ec-82bb-ef349677c3f7_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-74ec-82bb-ef349677c3f7" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-74ec-82bb-ef349677c3f7_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-79ae-8d9c-222b49faa193" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-74ec-82bb-ef349677c3f7" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-79ae-8d9c-222b49faa193" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-7cb2-b6e8-88d6dfb896c4" xlink:href="ocfc-20260630.xsd#ocfc_CommercialRealEstateInvestorMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-79ae-8d9c-222b49faa193" xlink:to="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-7cb2-b6e8-88d6dfb896c4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019e29b7-6a3d-74c4-9786-45dc5a5ea00d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-79ae-8d9c-222b49faa193" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019e29b7-6a3d-74c4-9786-45dc5a5ea00d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019e29b7-6a3d-7ef9-9f41-1e0905528919" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-79ae-8d9c-222b49faa193" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019e29b7-6a3d-7ef9-9f41-1e0905528919" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentAxis_019e29b7-6a3d-7e49-a79e-e7c98b2fc731" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalCreditAssessmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019e29b7-6a3d-74e3-a76b-5cd4afa70b49" xlink:to="loc_us-gaap_InternalCreditAssessmentAxis_019e29b7-6a3d-7e49-a79e-e7c98b2fc731" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7e49-a79e-e7c98b2fc731_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_019e29b7-6a3d-7e49-a79e-e7c98b2fc731" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7e49-a79e-e7c98b2fc731_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7ef3-b868-67f2664c0d66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InternalCreditAssessmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_InternalCreditAssessmentAxis_019e29b7-6a3d-7e49-a79e-e7c98b2fc731" xlink:to="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7ef3-b868-67f2664c0d66" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PassMember_019e29b7-6a3d-7b7e-bc48-462f88ce5f30" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PassMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7ef3-b868-67f2664c0d66" xlink:to="loc_us-gaap_PassMember_019e29b7-6a3d-7b7e-bc48-462f88ce5f30" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SpecialMentionMember_019e29b7-6a3d-7e25-a892-d94f58a15643" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SpecialMentionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7ef3-b868-67f2664c0d66" xlink:to="loc_us-gaap_SpecialMentionMember_019e29b7-6a3d-7e25-a892-d94f58a15643" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubstandardMember_019e29b7-6a3d-7997-aed0-74af24f43a45" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SubstandardMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_InternalCreditAssessmentDomain_019e29b7-6a3d-7ef3-b868-67f2664c0d66" xlink:to="loc_us-gaap_SubstandardMember_019e29b7-6a3d-7997-aed0-74af24f43a45" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-785e-af5c-ad88a97f37a3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_019e29b7-6a3d-74e3-a76b-5cd4afa70b49" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-785e-af5c-ad88a97f37a3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-785e-af5c-ad88a97f37a3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-785e-af5c-ad88a97f37a3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-785e-af5c-ad88a97f37a3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7657-9a5a-09105b94612c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-785e-af5c-ad88a97f37a3" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7657-9a5a-09105b94612c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-7f9d-8f2b-8bac3e355fbe" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7657-9a5a-09105b94612c" xlink:to="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-7f9d-8f2b-8bac3e355fbe" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e29b7-6a3d-7560-b136-81b71ca06661" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-7f9d-8f2b-8bac3e355fbe" xlink:to="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e29b7-6a3d-7560-b136-81b71ca06661" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e29b7-6a3d-7c4d-8ea1-b30a24326ab7" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialNonRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-7f9d-8f2b-8bac3e355fbe" xlink:to="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e29b7-6a3d-7c4d-8ea1-b30a24326ab7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialMortgageMember_019e29b7-6a3d-781b-86eb-8d077e5ce813" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialMortgageMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7657-9a5a-09105b94612c" xlink:to="loc_us-gaap_ResidentialMortgageMember_019e29b7-6a3d-781b-86eb-8d077e5ce813" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerOtherMember_019e29b7-6a3d-7dd6-a76b-354427de3bd8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerOtherMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7657-9a5a-09105b94612c" xlink:to="loc_us-gaap_ConsumerOtherMember_019e29b7-6a3d-7dd6-a76b-354427de3bd8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_019e29b7-6a3d-7302-9d95-4c779ebab2cf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019e29b7-6a3d-7d66-9020-991dcf686a90" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_019e29b7-6a3d-7302-9d95-4c779ebab2cf" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019e29b7-6a3d-77df-b0b5-e18e79bf9338" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_019e29b7-6a3d-7302-9d95-4c779ebab2cf" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYear_019e29b7-6a3d-77df-b0b5-e18e79bf9338" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019e29b7-6a3d-7d1f-86dd-ba8e54888d67" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_019e29b7-6a3d-7302-9d95-4c779ebab2cf" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYear_019e29b7-6a3d-7d1f-86dd-ba8e54888d67" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019e29b7-6a3d-784f-b913-f81b7dc86bb6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_019e29b7-6a3d-7302-9d95-4c779ebab2cf" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYear_019e29b7-6a3d-784f-b913-f81b7dc86bb6" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019e29b7-6a3d-75d9-aaf5-73a2e41efcae" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_019e29b7-6a3d-7302-9d95-4c779ebab2cf" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYear_019e29b7-6a3d-75d9-aaf5-73a2e41efcae" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019e29b7-6a3d-7cbc-ba7b-3ef8ed15afc1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_019e29b7-6a3d-7302-9d95-4c779ebab2cf" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYear_019e29b7-6a3d-7cbc-ba7b-3ef8ed15afc1" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019e29b7-6a3d-7420-887f-479a0b189c4e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_019e29b7-6a3d-7302-9d95-4c779ebab2cf" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYear_019e29b7-6a3d-7420-887f-479a0b189c4e" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_019e29b7-6a3d-7b42-9f32-350b994a227d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolving"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_019e29b7-6a3d-7302-9d95-4c779ebab2cf" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolving_019e29b7-6a3d-7b42-9f32-350b994a227d" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e29b7-6a3d-75f1-afd8-c59b997b9e27" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLossByOriginationYearAbstract_019e29b7-6a3d-7302-9d95-4c779ebab2cf" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e29b7-6a3d-75f1-afd8-c59b997b9e27" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019e29b7-6a3d-707f-a929-4aec467163b1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems_019e29b7-6a3d-7d66-9020-991dcf686a90" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019e29b7-6a3d-707f-a929-4aec467163b1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019e29b7-6a3d-77ef-baf2-6a55a6190ff5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019e29b7-6a3d-707f-a929-4aec467163b1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearOneOriginatedCurrentFiscalYearWriteoff_019e29b7-6a3d-77ef-baf2-6a55a6190ff5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019e29b7-6a3d-7ed9-9c8d-f5cb1360eb76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019e29b7-6a3d-707f-a929-4aec467163b1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019e29b7-6a3d-7ed9-9c8d-f5cb1360eb76" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019e29b7-6a3d-73f2-9213-e62b2d36ed91" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019e29b7-6a3d-707f-a929-4aec467163b1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019e29b7-6a3d-73f2-9213-e62b2d36ed91" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019e29b7-6a3d-7b6c-af83-867778c9ab13" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019e29b7-6a3d-707f-a929-4aec467163b1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019e29b7-6a3d-7b6c-af83-867778c9ab13" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019e29b7-6a3d-770d-88a1-b74cc02a8cbc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019e29b7-6a3d-707f-a929-4aec467163b1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019e29b7-6a3d-770d-88a1-b74cc02a8cbc" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019e29b7-6a3d-7245-99ee-554283480184" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019e29b7-6a3d-707f-a929-4aec467163b1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019e29b7-6a3d-7245-99ee-554283480184" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_019e29b7-6a3d-7b02-8f90-3c8a192b9bf7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019e29b7-6a3d-707f-a929-4aec467163b1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestRevolvingWriteoff_019e29b7-6a3d-7b02-8f90-3c8a192b9bf7" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019e29b7-6a3d-77b1-828a-23bc23c4ba6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_019e29b7-6a3d-707f-a929-4aec467163b1" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019e29b7-6a3d-77b1-828a-23bc23c4ba6f" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofAnalysisofAllowanceforCreditLossesonLoansDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#LoansReceivableNetScheduleofAnalysisofAllowanceforCreditLossesonLoansDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofAnalysisofAllowanceforCreditLossesonLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-7068-9f88-6ec3f1d623e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019e29b7-6a3d-7cc9-a826-8ef93d189f54" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-7068-9f88-6ec3f1d623e6" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019e29b7-6a3d-7cc9-a826-8ef93d189f54" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7cb0-9215-a4571c31d9ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019e29b7-6a3d-7cc9-a826-8ef93d189f54" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7cb0-9215-a4571c31d9ab" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7cb0-9215-a4571c31d9ab_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7cb0-9215-a4571c31d9ab" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7cb0-9215-a4571c31d9ab_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-71cf-ac3b-50b325c18a60" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7cb0-9215-a4571c31d9ab" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-71cf-ac3b-50b325c18a60" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-78bf-9f03-fcc53a5a65a3" xlink:href="ocfc-20260630.xsd#ocfc_CommercialRealEstateInvestorMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-71cf-ac3b-50b325c18a60" xlink:to="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-78bf-9f03-fcc53a5a65a3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019e29b7-6a3d-7c6b-b269-88a513ccfe43" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-71cf-ac3b-50b325c18a60" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019e29b7-6a3d-7c6b-b269-88a513ccfe43" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019e29b7-6a3d-73c1-a162-e03bc9c4e6c7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-71cf-ac3b-50b325c18a60" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019e29b7-6a3d-73c1-a162-e03bc9c4e6c7" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019e29b7-6a3d-7639-9eff-78035d626fa9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-71cf-ac3b-50b325c18a60" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019e29b7-6a3d-7639-9eff-78035d626fa9" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-7191-9515-932795883064" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_019e29b7-6a3d-7cc9-a826-8ef93d189f54" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-7191-9515-932795883064" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7191-9515-932795883064_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-7191-9515-932795883064" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7191-9515-932795883064_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-74de-af72-7b64d306cc21" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-7191-9515-932795883064" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-74de-af72-7b64d306cc21" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e29b7-6a3d-771d-9768-54020a6460cc" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-74de-af72-7b64d306cc21" xlink:to="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e29b7-6a3d-771d-9768-54020a6460cc" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e29b7-6a3d-73f9-a608-eba5e5146ca2" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialNonRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-74de-af72-7b64d306cc21" xlink:to="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e29b7-6a3d-73f9-a608-eba5e5146ca2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_019e29b7-6a3d-7f6d-b969-e389766fd591" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-7068-9f88-6ec3f1d623e6" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_019e29b7-6a3d-7f6d-b969-e389766fd591" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019e29b7-6a3d-71df-b7ae-202806fa1eb4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_019e29b7-6a3d-7f6d-b969-e389766fd591" xlink:to="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019e29b7-6a3d-71df-b7ae-202806fa1eb4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_019e29b7-6a3d-78a5-ac4b-4fa2d6e6c48f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_019e29b7-6a3d-7f6d-b969-e389766fd591" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal_019e29b7-6a3d-78a5-ac4b-4fa2d6e6c48f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FinancingReceivableExcludingAccruedInterestPurchasedAllowanceForCreditLossAtAcquisitionDate_019e4d44-d62a-76fa-b501-a977ee21bc07" xlink:href="ocfc-20260630.xsd#ocfc_FinancingReceivableExcludingAccruedInterestPurchasedAllowanceForCreditLossAtAcquisitionDate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_019e29b7-6a3d-7f6d-b969-e389766fd591" xlink:to="loc_ocfc_FinancingReceivableExcludingAccruedInterestPurchasedAllowanceForCreditLossAtAcquisitionDate_019e4d44-d62a-76fa-b501-a977ee21bc07" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019e29b7-6a3d-7619-b237-a796086ffd98" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_019e29b7-6a3d-7f6d-b969-e389766fd591" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff_019e29b7-6a3d-7619-b237-a796086ffd98" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019e29b7-6a3d-72b3-8c4f-0e322b530b2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_019e29b7-6a3d-7f6d-b969-e389766fd591" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery_019e29b7-6a3d-72b3-8c4f-0e322b530b2f" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest_019e29b7-6a3d-739b-9736-1c113bcef257" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/LoansReceivableNetNarrativeDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#LoansReceivableNetNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/LoansReceivableNetNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleLineItems_019e4dfa-0c2d-7647-9fcf-d8e6d6b1e426" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_019e4dfa-0c2d-7981-a164-c337964fd9be" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleLineItems_019e4dfa-0c2d-7647-9fcf-d8e6d6b1e426" xlink:to="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_019e4dfa-0c2d-7981-a164-c337964fd9be" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e4dfa-0c2d-7c26-9207-4054474c66eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_019e4dfa-0c2d-7981-a164-c337964fd9be" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e4dfa-0c2d-7c26-9207-4054474c66eb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e4dfa-0c2d-7c26-9207-4054474c66eb_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e4dfa-0c2d-7c26-9207-4054474c66eb" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e4dfa-0c2d-7c26-9207-4054474c66eb_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e4dfa-0c2d-7037-b6e1-1a0cc0b5f1a1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e4dfa-0c2d-7c26-9207-4054474c66eb" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e4dfa-0c2d-7037-b6e1-1a0cc0b5f1a1" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialRealEstateInvestorMember_019e4dfa-0c2d-7fca-833e-62d170bec864" xlink:href="ocfc-20260630.xsd#ocfc_CommercialRealEstateInvestorMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e4dfa-0c2d-7037-b6e1-1a0cc0b5f1a1" xlink:to="loc_ocfc_CommercialRealEstateInvestorMember_019e4dfa-0c2d-7fca-833e-62d170bec864" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019e4dfa-0c2d-7be7-9646-82118e888740" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e4dfa-0c2d-7037-b6e1-1a0cc0b5f1a1" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019e4dfa-0c2d-7be7-9646-82118e888740" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019e4dfa-0c2d-7338-b04a-f09d4c965fc2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e4dfa-0c2d-7037-b6e1-1a0cc0b5f1a1" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019e4dfa-0c2d-7338-b04a-f09d4c965fc2" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e4dfa-0c2d-7f80-a53e-a8bdba1ecd5c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_019e4dfa-0c2d-7981-a164-c337964fd9be" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e4dfa-0c2d-7f80-a53e-a8bdba1ecd5c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e4dfa-0c2d-7f80-a53e-a8bdba1ecd5c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e4dfa-0c2d-7f80-a53e-a8bdba1ecd5c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e4dfa-0c2d-7f80-a53e-a8bdba1ecd5c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e4dfa-0c2d-7ba5-8e71-043325656162" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e4dfa-0c2d-7f80-a53e-a8bdba1ecd5c" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e4dfa-0c2d-7ba5-8e71-043325656162" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e4dfa-0c2d-79db-b87a-e316a3d66371" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e4dfa-0c2d-7ba5-8e71-043325656162" xlink:to="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e4dfa-0c2d-79db-b87a-e316a3d66371" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e4dfa-0c2d-7513-9f83-223bdc3e9ec8" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialNonRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e4dfa-0c2d-7ba5-8e71-043325656162" xlink:to="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e4dfa-0c2d-7513-9f83-223bdc3e9ec8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_019e4dfa-7df2-712c-aa93-8f8565e4d7f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfImpairedFinancingReceivableTable_019e4dfa-0c2d-7981-a164-c337964fd9be" xlink:to="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_019e4dfa-7df2-712c-aa93-8f8565e4d7f3" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_019e4dfa-7df2-712c-aa93-8f8565e4d7f3_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_019e4dfa-7df2-712c-aa93-8f8565e4d7f3" xlink:to="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_019e4dfa-7df2-712c-aa93-8f8565e4d7f3_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_019e4dfa-7df2-7389-9674-1bfcdea0ea30" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesAxis_019e4dfa-7df2-712c-aa93-8f8565e4d7f3" xlink:to="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_019e4dfa-7df2-7389-9674-1bfcdea0ea30" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_PaycheckProtectionProgramMember_019e4dfa-7df2-75a8-a5a8-5a0670554b23" xlink:href="ocfc-20260630.xsd#ocfc_PaycheckProtectionProgramMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoansInsuredOrGuaranteedByGovernmentAuthoritiesDomain_019e4dfa-7df2-7389-9674-1bfcdea0ea30" xlink:to="loc_ocfc_PaycheckProtectionProgramMember_019e4dfa-7df2-75a8-a5a8-5a0670554b23" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount_019e4dfa-0c2d-7cb0-b4b7-a1343956dc11" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageLoansInProcessOfForeclosureAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleLineItems_019e4dfa-0c2d-7647-9fcf-d8e6d6b1e426" xlink:to="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount_019e4dfa-0c2d-7cb0-b4b7-a1343956dc11" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FinancingReceivableCommitmentsToLendAdditionalFundsOnNonAccrualLoans_019e4dfa-7df2-77b3-a72f-2e2eb97dbdca" xlink:href="ocfc-20260630.xsd#ocfc_FinancingReceivableCommitmentsToLendAdditionalFundsOnNonAccrualLoans"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleLineItems_019e4dfa-0c2d-7647-9fcf-d8e6d6b1e426" xlink:to="loc_ocfc_FinancingReceivableCommitmentsToLendAdditionalFundsOnNonAccrualLoans_019e4dfa-7df2-77b3-a72f-2e2eb97dbdca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated_019e4dfa-f1f9-78fd-bac0-157502bca4b3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleLineItems_019e4dfa-0c2d-7647-9fcf-d8e6d6b1e426" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedAccumulated_019e4dfa-f1f9-78fd-bac0-157502bca4b3" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend_019e4dfa-f1f9-7b37-b97f-03127c3ca58d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_CertainLoansAcquiredInTransferAccountedForAsDebtSecuritiesAccretableYieldMovementScheduleLineItems_019e4dfa-0c2d-7647-9fcf-d8e6d6b1e426" xlink:to="loc_us-gaap_LoansAndLeasesReceivableImpairedCommitmentToLend_019e4dfa-f1f9-7b37-b97f-03127c3ca58d" xlink:type="arc" order="3"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofRecordedInvestmentinNonAccrualLoansbyLoanPortfolioSegmentDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#LoansReceivableNetScheduleofRecordedInvestmentinNonAccrualLoansbyLoanPortfolioSegmentDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofRecordedInvestmentinNonAccrualLoansbyLoanPortfolioSegmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019e29b7-6a3d-70a5-9983-51657dc45ef6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019e29b7-6a3d-7141-bc9f-e21aed3967e2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019e29b7-6a3d-70a5-9983-51657dc45ef6" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019e29b7-6a3d-7141-bc9f-e21aed3967e2" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7b2f-afca-b47267699233" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019e29b7-6a3d-7141-bc9f-e21aed3967e2" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7b2f-afca-b47267699233" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7b2f-afca-b47267699233_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7b2f-afca-b47267699233" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7b2f-afca-b47267699233_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-788d-9968-7da6e844bd8a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7b2f-afca-b47267699233" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-788d-9968-7da6e844bd8a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019e29b7-6a3d-7088-822b-4e6ab8fef75c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-788d-9968-7da6e844bd8a" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019e29b7-6a3d-7088-822b-4e6ab8fef75c" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019e29b7-6a3d-754e-b98f-43abfca7e278" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-788d-9968-7da6e844bd8a" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019e29b7-6a3d-754e-b98f-43abfca7e278" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019e29b7-6a3d-74ff-89ba-fccf221acb84" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-788d-9968-7da6e844bd8a" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019e29b7-6a3d-74ff-89ba-fccf221acb84" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-75d7-81de-3ef72a5d896b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019e29b7-6a3d-7141-bc9f-e21aed3967e2" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-75d7-81de-3ef72a5d896b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-75d7-81de-3ef72a5d896b_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-75d7-81de-3ef72a5d896b" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-75d7-81de-3ef72a5d896b_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-71be-9b36-222de8fb88a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-75d7-81de-3ef72a5d896b" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-71be-9b36-222de8fb88a7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialRealEstateInvestorMember_019e8ea9-b9d2-73bb-ad35-137a40e34eb9" xlink:href="ocfc-20260630.xsd#ocfc_CommercialRealEstateInvestorMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-71be-9b36-222de8fb88a7" xlink:to="loc_ocfc_CommercialRealEstateInvestorMember_019e8ea9-b9d2-73bb-ad35-137a40e34eb9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-758c-b58d-0886cdfbd3fd" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-71be-9b36-222de8fb88a7" xlink:to="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-758c-b58d-0886cdfbd3fd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e29b7-6a3d-7174-a3f7-d6ef5be42f5f" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-758c-b58d-0886cdfbd3fd" xlink:to="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e29b7-6a3d-7174-a3f7-d6ef5be42f5f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e29b7-6a3d-7b6d-b8e7-b2a5c03c1cd4" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialNonRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-758c-b58d-0886cdfbd3fd" xlink:to="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e29b7-6a3d-7b6d-b8e7-b2a5c03c1cd4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableNonaccrualNoAllowance_019e29b7-6a3d-7c3a-9dfc-14e3f3df64bb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableNonaccrualNoAllowance"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019e29b7-6a3d-70a5-9983-51657dc45ef6" xlink:to="loc_us-gaap_FinancingReceivableNonaccrualNoAllowance_019e29b7-6a3d-7c3a-9dfc-14e3f3df64bb" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofAgingofRecordedInvestmentinPastDueLoansbyLoanPortfolioSegmentDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#LoansReceivableNetScheduleofAgingofRecordedInvestmentinPastDueLoansbyLoanPortfolioSegmentDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofAgingofRecordedInvestmentinPastDueLoansbyLoanPortfolioSegmentDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019e29b7-6a3d-780c-891c-43b078cd9d19" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019e29b7-6a3d-7dde-a803-0c5758d05aec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFinancingReceivablesPastDueTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019e29b7-6a3d-780c-891c-43b078cd9d19" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019e29b7-6a3d-7dde-a803-0c5758d05aec" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7f2d-913b-bc4cb26a3444" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019e29b7-6a3d-7dde-a803-0c5758d05aec" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7f2d-913b-bc4cb26a3444" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7f2d-913b-bc4cb26a3444_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7f2d-913b-bc4cb26a3444" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7f2d-913b-bc4cb26a3444_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-77a7-a2bc-cd6e43cf2758" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7f2d-913b-bc4cb26a3444" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-77a7-a2bc-cd6e43cf2758" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-7faf-a892-2fc9684b1d69" xlink:href="ocfc-20260630.xsd#ocfc_CommercialRealEstateInvestorMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-77a7-a2bc-cd6e43cf2758" xlink:to="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-7faf-a892-2fc9684b1d69" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommercialPortfolioSegmentMember_019e29b7-6a3d-7872-b0d7-71ddab73fe36" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommercialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-77a7-a2bc-cd6e43cf2758" xlink:to="loc_us-gaap_CommercialPortfolioSegmentMember_019e29b7-6a3d-7872-b0d7-71ddab73fe36" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019e29b7-6a3d-7ac0-bf11-37fde79d8013" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-77a7-a2bc-cd6e43cf2758" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019e29b7-6a3d-7ac0-bf11-37fde79d8013" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsumerPortfolioSegmentMember_019e29b7-6a3d-7d43-afa3-d12d1124c0af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ConsumerPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-77a7-a2bc-cd6e43cf2758" xlink:to="loc_us-gaap_ConsumerPortfolioSegmentMember_019e29b7-6a3d-7d43-afa3-d12d1124c0af" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019e29b7-6a3d-7015-a00f-5ca9eb40d9fd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019e29b7-6a3d-7dde-a803-0c5758d05aec" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019e29b7-6a3d-7015-a00f-5ca9eb40d9fd" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-7015-a00f-5ca9eb40d9fd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019e29b7-6a3d-7015-a00f-5ca9eb40d9fd" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-7015-a00f-5ca9eb40d9fd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-7119-ab04-5faf5443f290" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019e29b7-6a3d-7015-a00f-5ca9eb40d9fd" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-7119-ab04-5faf5443f290" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetPastDueMember_019e29b7-6a3d-78e2-b518-2d00b54ac054" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-7119-ab04-5faf5443f290" xlink:to="loc_us-gaap_FinancialAssetPastDueMember_019e29b7-6a3d-78e2-b518-2d00b54ac054" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019e29b7-6a3d-70fd-ac82-0dfc27df5175" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019e29b7-6a3d-78e2-b518-2d00b54ac054" xlink:to="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember_019e29b7-6a3d-70fd-ac82-0dfc27df5175" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019e29b7-6a3d-792a-b74b-851cc70d23e4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019e29b7-6a3d-78e2-b518-2d00b54ac054" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019e29b7-6a3d-792a-b74b-851cc70d23e4" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019e29b7-6a3d-7040-932f-adc7000de052" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancialAssetPastDueMember_019e29b7-6a3d-78e2-b518-2d00b54ac054" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019e29b7-6a3d-7040-932f-adc7000de052" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_019e29b7-6a3d-76f0-be74-b480180d66dc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-7119-ab04-5faf5443f290" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_019e29b7-6a3d-76f0-be74-b480180d66dc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-752f-bdb9-cb12d5709370" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesPastDueTable_019e29b7-6a3d-7dde-a803-0c5758d05aec" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-752f-bdb9-cb12d5709370" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-752f-bdb9-cb12d5709370_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-752f-bdb9-cb12d5709370" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-752f-bdb9-cb12d5709370_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7ed1-90aa-4850c1eaf78b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_019e29b7-6a3d-752f-bdb9-cb12d5709370" xlink:to="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7ed1-90aa-4850c1eaf78b" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-79db-8be6-0a94c0f45ec0" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_019e29b7-6a3d-7ed1-90aa-4850c1eaf78b" xlink:to="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-79db-8be6-0a94c0f45ec0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e29b7-6a3d-7895-82e7-0b000187f001" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-79db-8be6-0a94c0f45ec0" xlink:to="loc_ocfc_CommercialAndIndustrialRealEstateMember_019e29b7-6a3d-7895-82e7-0b000187f001" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e29b7-6a3d-7d0c-b0aa-162b04ad53ba" xlink:href="ocfc-20260630.xsd#ocfc_CommercialAndIndustrialNonRealEstateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_ocfc_CommercialAndIndustrialMember_019e29b7-6a3d-79db-8be6-0a94c0f45ec0" xlink:to="loc_ocfc_CommercialAndIndustrialNonRealEstateMember_019e29b7-6a3d-7d0c-b0aa-162b04ad53ba" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e29b7-6a3d-7b5b-b6b9-7c4418992433" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems_019e29b7-6a3d-780c-891c-43b078cd9d19" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss_019e29b7-6a3d-7b5b-b6b9-7c4418992433" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofLoansModificationsmadetoBorrowersDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#LoansReceivableNetScheduleofLoansModificationsmadetoBorrowersDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofLoansModificationsmadetoBorrowersDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-77fa-8258-39c4e41f3bd9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019e29b7-6a3d-7f80-a954-76222fafee1d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-77fa-8258-39c4e41f3bd9" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019e29b7-6a3d-7f80-a954-76222fafee1d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7559-bd97-a0ddd618e2ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019e29b7-6a3d-7f80-a954-76222fafee1d" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7559-bd97-a0ddd618e2ea" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7559-bd97-a0ddd618e2ea_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7559-bd97-a0ddd618e2ea" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7559-bd97-a0ddd618e2ea_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7f95-9fb3-91760f107887" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-7559-bd97-a0ddd618e2ea" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7f95-9fb3-91760f107887" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-7263-8598-e934d8f6f804" xlink:href="ocfc-20260630.xsd#ocfc_CommercialRealEstateInvestorMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7f95-9fb3-91760f107887" xlink:to="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-7263-8598-e934d8f6f804" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019e29b7-6a3d-7a3d-895d-9c47b8354591" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7f95-9fb3-91760f107887" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019e29b7-6a3d-7a3d-895d-9c47b8354591" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationAxis_019e29b7-6a3d-7e34-a03a-7b761ec8901c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoanRestructuringModificationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019e29b7-6a3d-7f80-a954-76222fafee1d" xlink:to="loc_us-gaap_LoanRestructuringModificationAxis_019e29b7-6a3d-7e34-a03a-7b761ec8901c" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_019e29b7-6a3d-7e34-a03a-7b761ec8901c_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_019e29b7-6a3d-7e34-a03a-7b761ec8901c" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_019e29b7-6a3d-7e34-a03a-7b761ec8901c_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain_019e29b7-6a3d-77d2-b42f-f7fadd6d17de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LoanRestructuringModificationAxis_019e29b7-6a3d-7e34-a03a-7b761ec8901c" xlink:to="loc_us-gaap_LoanRestructuringModificationDomain_019e29b7-6a3d-77d2-b42f-f7fadd6d17de" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualInterestRateReductionMember_019fb2f0-7042-75fa-a2d2-6f44f1734ad9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractualInterestRateReductionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019e29b7-6a3d-77d2-b42f-f7fadd6d17de" xlink:to="loc_us-gaap_ContractualInterestRateReductionMember_019fb2f0-7042-75fa-a2d2-6f44f1734ad9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_019ea55a-1d7e-7c03-9430-53a713747cd2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ExtendedMaturityAndInterestRateReductionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019e29b7-6a3d-77d2-b42f-f7fadd6d17de" xlink:to="loc_us-gaap_ExtendedMaturityAndInterestRateReductionMember_019ea55a-1d7e-7c03-9430-53a713747cd2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember_019e29b7-6a3d-7da7-ac84-369c1ac24c9f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019e29b7-6a3d-77d2-b42f-f7fadd6d17de" xlink:to="loc_us-gaap_ExtendedMaturityMember_019e29b7-6a3d-7da7-ac84-369c1ac24c9f" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_ExtendedMaturityAndPaymentDeferralMember_019ea521-7b66-7eb9-844a-1288b1f99165" xlink:href="ocfc-20260630.xsd#ocfc_ExtendedMaturityAndPaymentDeferralMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain_019e29b7-6a3d-77d2-b42f-f7fadd6d17de" xlink:to="loc_ocfc_ExtendedMaturityAndPaymentDeferralMember_019ea521-7b66-7eb9-844a-1288b1f99165" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_019e29b7-6a3d-7009-b8a7-446613482eca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-77fa-8258-39c4e41f3bd9" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestModifiedPeriod_019e29b7-6a3d-7009-b8a7-446613482eca" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_019e29b7-6a3d-788a-8d91-74f82fd9109a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_019e29b7-6a3d-77fa-8258-39c4e41f3bd9" xlink:to="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesExcludingAccruedInterestPercent_019e29b7-6a3d-788a-8d91-74f82fd9109a" xlink:type="arc" order="1"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofTroubledDebtRestructuringLoansDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#LoansReceivableNetScheduleofTroubledDebtRestructuringLoansDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/LoansReceivableNetScheduleofTroubledDebtRestructuringLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsLineItems_019e29b7-6a3d-7634-adf1-bbb09a6e20d4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableModificationsLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019e29b7-6a3d-7702-977f-40ba394714f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_019e29b7-6a3d-7634-adf1-bbb09a6e20d4" xlink:to="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019e29b7-6a3d-7702-977f-40ba394714f8" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-738d-b0b3-17320f800515" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019e29b7-6a3d-7702-977f-40ba394714f8" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-738d-b0b3-17320f800515" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-738d-b0b3-17320f800515_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-738d-b0b3-17320f800515" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-738d-b0b3-17320f800515_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7b92-ba1b-9778de3af0b4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePortfolioSegmentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentAxis_019e29b7-6a3d-738d-b0b3-17320f800515" xlink:to="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7b92-ba1b-9778de3af0b4" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-7ddb-b87a-e7c027a1917e" xlink:href="ocfc-20260630.xsd#ocfc_CommercialRealEstateInvestorMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7b92-ba1b-9778de3af0b4" xlink:to="loc_ocfc_CommercialRealEstateInvestorMember_019e29b7-6a3d-7ddb-b87a-e7c027a1917e" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialPortfolioSegmentMember_019e29b7-6a3d-7c29-bdf5-1f06a34d1fc8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ResidentialPortfolioSegmentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablePortfolioSegmentDomain_019e29b7-6a3d-7b92-ba1b-9778de3af0b4" xlink:to="loc_us-gaap_ResidentialPortfolioSegmentMember_019e29b7-6a3d-7c29-bdf5-1f06a34d1fc8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019e29b7-6a3d-7702-9ce4-1856e3ebd53a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableTroubledDebtRestructuringsTable_019e29b7-6a3d-7702-977f-40ba394714f8" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019e29b7-6a3d-7702-9ce4-1856e3ebd53a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-7702-9ce4-1856e3ebd53a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019e29b7-6a3d-7702-9ce4-1856e3ebd53a" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-7702-9ce4-1856e3ebd53a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-750c-b8df-0e98e54be6cd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis_019e29b7-6a3d-7702-9ce4-1856e3ebd53a" xlink:to="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-750c-b8df-0e98e54be6cd" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember_019e29b7-6a3d-798b-9dbe-8c19d5f8c29a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-750c-b8df-0e98e54be6cd" xlink:to="loc_us-gaap_FinancialAssetNotPastDueMember_019e29b7-6a3d-798b-9dbe-8c19d5f8c29a" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019e29b7-6a3d-7f17-b373-854e84d3cabe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivables60To89DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-750c-b8df-0e98e54be6cd" xlink:to="loc_us-gaap_FinancingReceivables60To89DaysPastDueMember_019e29b7-6a3d-7f17-b373-854e84d3cabe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019e29b7-6a3d-7b1e-8e33-cef55538e464" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain_019e29b7-6a3d-750c-b8df-0e98e54be6cd" xlink:to="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_019e29b7-6a3d-7b1e-8e33-cef55538e464" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodIncludingPaydownsAmount_019e29b7-6a3d-70c0-a340-332e12108685" xlink:href="ocfc-20260630.xsd#ocfc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodIncludingPaydownsAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FinancingReceivableModificationsLineItems_019e29b7-6a3d-7634-adf1-bbb09a6e20d4" xlink:to="loc_ocfc_FinancingReceivableExcludingAccruedInterestModifiedInPeriodIncludingPaydownsAmount_019e29b7-6a3d-70c0-a340-332e12108685" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/BorrowedFundsNarrativeDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#BorrowedFundsNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/BorrowedFundsNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019e29b7-6a3d-7c3b-9aea-842382961c9f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019e29b7-6a3d-7e36-b941-8d10b996a395" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e29b7-6a3d-7c3b-9aea-842382961c9f" xlink:to="loc_us-gaap_DebtInstrumentTable_019e29b7-6a3d-7e36-b941-8d10b996a395" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeAxis_019e29b7-6a3d-7158-806e-07a67893f906" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019e29b7-6a3d-7e36-b941-8d10b996a395" xlink:to="loc_us-gaap_LongtermDebtTypeAxis_019e29b7-6a3d-7158-806e-07a67893f906" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019e29b7-6a3d-7158-806e-07a67893f906_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019e29b7-6a3d-7158-806e-07a67893f906" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019e29b7-6a3d-7158-806e-07a67893f906_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongtermDebtTypeDomain_019e29b7-6a3d-7767-ad2f-ffa8459b0935" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongtermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_LongtermDebtTypeAxis_019e29b7-6a3d-7158-806e-07a67893f906" xlink:to="loc_us-gaap_LongtermDebtTypeDomain_019e29b7-6a3d-7767-ad2f-ffa8459b0935" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019e29b7-6a3d-76ed-aa79-792008c0cba8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LongtermDebtTypeDomain_019e29b7-6a3d-7767-ad2f-ffa8459b0935" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019e29b7-6a3d-76ed-aa79-792008c0cba8" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeAxis_019e29b7-6a3d-7f75-b37a-06c36c18d6bc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermDebtTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019e29b7-6a3d-7e36-b941-8d10b996a395" xlink:to="loc_us-gaap_ShortTermDebtTypeAxis_019e29b7-6a3d-7f75-b37a-06c36c18d6bc" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_019e29b7-6a3d-7f75-b37a-06c36c18d6bc_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_019e29b7-6a3d-7f75-b37a-06c36c18d6bc" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_019e29b7-6a3d-7f75-b37a-06c36c18d6bc_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShortTermDebtTypeDomain_019e29b7-6a3d-7fc4-86c1-c21881336045" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShortTermDebtTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_ShortTermDebtTypeAxis_019e29b7-6a3d-7f75-b37a-06c36c18d6bc" xlink:to="loc_us-gaap_ShortTermDebtTypeDomain_019e29b7-6a3d-7fc4-86c1-c21881336045" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019e29b7-6a3d-73e5-a529-cf65bd6629cd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankAdvancesMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ShortTermDebtTypeDomain_019e29b7-6a3d-7fc4-86c1-c21881336045" xlink:to="loc_us-gaap_FederalHomeLoanBankAdvancesMember_019e29b7-6a3d-73e5-a529-cf65bd6629cd" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019e29b7-6a3d-7eb4-adee-70aab46b5cd1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e29b7-6a3d-7c3b-9aea-842382961c9f" xlink:to="loc_us-gaap_AdvancesFromFederalHomeLoanBanks_019e29b7-6a3d-7eb4-adee-70aab46b5cd1" xlink:type="arc" order="0"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/BorrowedFundsScheduleofPledgedAssetsDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#BorrowedFundsScheduleofPledgedAssetsDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/BorrowedFundsScheduleofPledgedAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems_019e29b7-6a3d-7398-9282-7f7a89c670dc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable_019e29b7-6a3d-7718-afb7-15217cecccaa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e29b7-6a3d-7398-9282-7f7a89c670dc" xlink:to="loc_us-gaap_DebtInstrumentTable_019e29b7-6a3d-7718-afb7-15217cecccaa" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis_019e29b7-6a3d-7bac-9756-bbf43b83ee5a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PledgedStatusAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DebtInstrumentTable_019e29b7-6a3d-7718-afb7-15217cecccaa" xlink:to="loc_us-gaap_PledgedStatusAxis_019e29b7-6a3d-7bac-9756-bbf43b83ee5a" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019e29b7-6a3d-7bac-9756-bbf43b83ee5a_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PledgedStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_PledgedStatusAxis_019e29b7-6a3d-7bac-9756-bbf43b83ee5a" xlink:to="loc_us-gaap_PledgedStatusDomain_019e29b7-6a3d-7bac-9756-bbf43b83ee5a_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain_019e29b7-6a3d-7ad6-a3db-be4f0e39cbbb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PledgedStatusDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_PledgedStatusAxis_019e29b7-6a3d-7bac-9756-bbf43b83ee5a" xlink:to="loc_us-gaap_PledgedStatusDomain_019e29b7-6a3d-7ad6-a3db-be4f0e39cbbb" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FHLBAndFRBForBorrowingCapacityMember_019e29b7-6a3d-70fc-b9e5-5c104a40b9b3" xlink:href="ocfc-20260630.xsd#ocfc_FHLBAndFRBForBorrowingCapacityMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PledgedStatusDomain_019e29b7-6a3d-7ad6-a3db-be4f0e39cbbb" xlink:to="loc_ocfc_FHLBAndFRBForBorrowingCapacityMember_019e29b7-6a3d-70fc-b9e5-5c104a40b9b3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepurchaseAgreementsMember_019e29b7-6a3d-7c40-82c8-313b793af7fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepurchaseAgreementsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PledgedStatusDomain_019e29b7-6a3d-7ad6-a3db-be4f0e39cbbb" xlink:to="loc_us-gaap_RepurchaseAgreementsMember_019e29b7-6a3d-7c40-82c8-313b793af7fc" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralMember_019e29b7-6a3d-7ae0-b17b-265730025c6a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetPledgedAsCollateralMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PledgedStatusDomain_019e29b7-6a3d-7ad6-a3db-be4f0e39cbbb" xlink:to="loc_us-gaap_AssetPledgedAsCollateralMember_019e29b7-6a3d-7ae0-b17b-265730025c6a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019e29b7-6a3d-7aac-a870-123188f67861" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e29b7-6a3d-7398-9282-7f7a89c670dc" xlink:to="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss_019e29b7-6a3d-7aac-a870-123188f67861" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e29b7-6a3d-75ba-8fbd-ff3de7567089" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e29b7-6a3d-7398-9282-7f7a89c670dc" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest_019e29b7-6a3d-75ba-8fbd-ff3de7567089" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019e29b7-6a3d-70f1-9fd4-b5027a750a95" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DebtInstrumentLineItems_019e29b7-6a3d-7398-9282-7f7a89c670dc" xlink:to="loc_us-gaap_Assets_019e29b7-6a3d-70f1-9fd4-b5027a750a95" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/FairValueMeasurementsScheduleofFinancialAssetsandFinancialLiabilitiesMeasuredatFairValueDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#FairValueMeasurementsScheduleofFinancialAssetsandFinancialLiabilitiesMeasuredatFairValueDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/FairValueMeasurementsScheduleofFinancialAssetsandFinancialLiabilitiesMeasuredatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e29b7-6a3d-7f23-9e8b-be3cfd7eb988" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e29b7-6a3d-7f23-9e8b-be3cfd7eb988" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019e29b7-6a3d-71e1-8e10-0826854eff98" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementFrequencyAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e29b7-6a3d-7f23-9e8b-be3cfd7eb988" xlink:to="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019e29b7-6a3d-71e1-8e10-0826854eff98" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e29b7-6a3d-71e1-8e10-0826854eff98_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019e29b7-6a3d-71e1-8e10-0826854eff98" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e29b7-6a3d-71e1-8e10-0826854eff98_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e29b7-6a3d-7b82-8f85-f97bcc9722aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementFrequencyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementFrequencyAxis_019e29b7-6a3d-71e1-8e10-0826854eff98" xlink:to="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e29b7-6a3d-7b82-8f85-f97bcc9722aa" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsRecurringMember_019e29b7-6a3d-7866-950e-fd71d8248e86" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsRecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e29b7-6a3d-7b82-8f85-f97bcc9722aa" xlink:to="loc_us-gaap_FairValueMeasurementsRecurringMember_019e29b7-6a3d-7866-950e-fd71d8248e86" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019e29b7-6a3d-785e-9f7d-8a2648f159de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsNonrecurringMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementFrequencyDomain_019e29b7-6a3d-7b82-8f85-f97bcc9722aa" xlink:to="loc_us-gaap_FairValueMeasurementsNonrecurringMember_019e29b7-6a3d-785e-9f7d-8a2648f159de" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-731b-874a-921367c2aaaf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e29b7-6a3d-7f23-9e8b-be3cfd7eb988" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-731b-874a-921367c2aaaf" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-731b-874a-921367c2aaaf_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-731b-874a-921367c2aaaf" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-731b-874a-921367c2aaaf_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-70d9-9eaa-b009e16e47e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-731b-874a-921367c2aaaf" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-70d9-9eaa-b009e16e47e6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateContractMember_019e29b7-6a3d-78d4-8f8d-9764fd713f13" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestRateContractMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-70d9-9eaa-b009e16e47e6" xlink:to="loc_us-gaap_InterestRateContractMember_019e29b7-6a3d-78d4-8f8d-9764fd713f13" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditDefaultSwapMember_019e29b7-6a3d-7a54-9206-a7b495511678" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditDefaultSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-70d9-9eaa-b009e16e47e6" xlink:to="loc_us-gaap_CreditDefaultSwapMember_019e29b7-6a3d-7a54-9206-a7b495511678" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e29b7-6a3d-7c3e-8b01-5c6eee4410dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e29b7-6a3d-7f23-9e8b-be3cfd7eb988" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e29b7-6a3d-7c3e-8b01-5c6eee4410dd" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7c3e-8b01-5c6eee4410dd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e29b7-6a3d-7c3e-8b01-5c6eee4410dd" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7c3e-8b01-5c6eee4410dd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7f4e-bf11-8d5b526632f8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e29b7-6a3d-7c3e-8b01-5c6eee4410dd" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7f4e-bf11-8d5b526632f8" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019e29b7-6a3d-7d80-8ad0-9689aa969e5d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7f4e-bf11-8d5b526632f8" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019e29b7-6a3d-7d80-8ad0-9689aa969e5d" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019e29b7-6a3d-7e4e-860c-3f70ec6a7eb7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7f4e-bf11-8d5b526632f8" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019e29b7-6a3d-7e4e-860c-3f70ec6a7eb7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019e29b7-6a3d-794e-a5a9-37b40ee96be0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7f4e-bf11-8d5b526632f8" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019e29b7-6a3d-794e-a5a9-37b40ee96be0" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasuredAtNetAssetValuePerShareMember_019e29b7-6a3d-7e65-aef9-969c964d440b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasuredAtNetAssetValuePerShareMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7f4e-bf11-8d5b526632f8" xlink:to="loc_us-gaap_FairValueMeasuredAtNetAssetValuePerShareMember_019e29b7-6a3d-7e65-aef9-969c964d440b" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis_019e29b7-6a3d-7671-b6b7-902bd63bb1dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e29b7-6a3d-7f23-9e8b-be3cfd7eb988" xlink:to="loc_us-gaap_MeasurementInputTypeAxis_019e29b7-6a3d-7671-b6b7-902bd63bb1dd" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_019e29b7-6a3d-7671-b6b7-902bd63bb1dd_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_019e29b7-6a3d-7671-b6b7-902bd63bb1dd" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_019e29b7-6a3d-7671-b6b7-902bd63bb1dd_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain_019e29b7-6a3d-767f-9efc-1d77662f4dbe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_MeasurementInputTypeAxis_019e29b7-6a3d-7671-b6b7-902bd63bb1dd" xlink:to="loc_us-gaap_MeasurementInputTypeDomain_019e29b7-6a3d-767f-9efc-1d77662f4dbe" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember_019e29b7-6a3d-7ae2-a868-376adc470fc4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_019e29b7-6a3d-767f-9efc-1d77662f4dbe" xlink:to="loc_us-gaap_MeasurementInputDiscountRateMember_019e29b7-6a3d-7ae2-a868-376adc470fc4" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_MeasurementInputAppraisalAdjustmentsMember_019e29b7-6a3d-77dd-9f91-559d13e95381" xlink:href="ocfc-20260630.xsd#ocfc_MeasurementInputAppraisalAdjustmentsMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_MeasurementInputTypeDomain_019e29b7-6a3d-767f-9efc-1d77662f4dbe" xlink:to="loc_ocfc_MeasurementInputAppraisalAdjustmentsMember_019e29b7-6a3d-77dd-9f91-559d13e95381" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e29b7-6a3d-74d6-a569-cad1c71fbab9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_019e29b7-6a3d-74d6-a569-cad1c71fbab9" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_019e29b7-6a3d-75cf-9e65-3247ef96aca7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_019e29b7-6a3d-75cf-9e65-3247ef96aca7" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019e29b7-6a3d-750d-abe3-a2dfe3c09f7b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:to="loc_us-gaap_DerivativeAssets_019e29b7-6a3d-750d-abe3-a2dfe3c09f7b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019e29b7-6a3d-7c96-a521-20e997b04b9d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:to="loc_us-gaap_DerivativeLiabilities_019e29b7-6a3d-7c96-a521-20e997b04b9d" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherRealEstate_019e29b7-6a3d-7140-8d43-993acf120473" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherRealEstate"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:to="loc_us-gaap_OtherRealEstate_019e29b7-6a3d-7140-8d43-993acf120473" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_LoansMeasuredForImpairmentFairValeDisclosure_019e29b7-6a3d-7275-8f8f-6ada7640320d" xlink:href="ocfc-20260630.xsd#ocfc_LoansMeasuredForImpairmentFairValeDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:to="loc_ocfc_LoansMeasuredForImpairmentFairValeDisclosure_019e29b7-6a3d-7275-8f8f-6ada7640320d" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiRealizedGainLoss_019e29b7-6a3d-77ab-aea0-aa5102ce2dc1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiRealizedGainLoss"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:to="loc_us-gaap_EquitySecuritiesFvNiRealizedGainLoss_019e29b7-6a3d-77ab-aea0-aa5102ce2dc1" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019e29b7-6a3d-79d0-8e06-0fcbcd488809" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:to="loc_us-gaap_EquitySecuritiesFvNiCurrentAndNoncurrent_019e29b7-6a3d-79d0-8e06-0fcbcd488809" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FairValueMeasurementWithUnobservableInputsReconciliationPercentageMinimum_019e29b7-6a3d-72dd-9531-c985083b51e8" xlink:href="ocfc-20260630.xsd#ocfc_FairValueMeasurementWithUnobservableInputsReconciliationPercentageMinimum"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:to="loc_ocfc_FairValueMeasurementWithUnobservableInputsReconciliationPercentageMinimum_019e29b7-6a3d-72dd-9531-c985083b51e8" xlink:type="arc" order="8"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_FairValueMeasurementWithUnobservableInputsReconciliationPercentageMaximum_019e29b7-6a3d-7c6a-8099-eafd98f85bb1" xlink:href="ocfc-20260630.xsd#ocfc_FairValueMeasurementWithUnobservableInputsReconciliationPercentageMaximum"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-723e-8474-69838f9b1fb9" xlink:to="loc_ocfc_FairValueMeasurementWithUnobservableInputsReconciliationPercentageMaximum_019e29b7-6a3d-7c6a-8099-eafd98f85bb1" xlink:type="arc" order="9"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/FairValueMeasurementsScheduleofBookValueandEstimatedFairValueofSignificantFinancialInstrumentsNotRecordedatFairValueDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#FairValueMeasurementsScheduleofBookValueandEstimatedFairValueofSignificantFinancialInstrumentsNotRecordedatFairValueDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/FairValueMeasurementsScheduleofBookValueandEstimatedFairValueofSignificantFinancialInstrumentsNotRecordedatFairValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-727b-a8d7-39d981e4ff86" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e29b7-6a3d-772d-8f72-8ac820dde749" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-727b-a8d7-39d981e4ff86" xlink:to="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e29b7-6a3d-772d-8f72-8ac820dde749" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis_019e29b7-6a3d-78cf-90d6-e1bc445457ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e29b7-6a3d-772d-8f72-8ac820dde749" xlink:to="loc_us-gaap_FairValueByMeasurementBasisAxis_019e29b7-6a3d-78cf-90d6-e1bc445457ec" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019e29b7-6a3d-78cf-90d6-e1bc445457ec_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_019e29b7-6a3d-78cf-90d6-e1bc445457ec" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019e29b7-6a3d-78cf-90d6-e1bc445457ec_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019e29b7-6a3d-7b48-a3bb-19060ba7685c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis_019e29b7-6a3d-78cf-90d6-e1bc445457ec" xlink:to="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019e29b7-6a3d-7b48-a3bb-19060ba7685c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019e29b7-6a3d-7d8b-a9d6-ecb1427046e0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain_019e29b7-6a3d-7b48-a3bb-19060ba7685c" xlink:to="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019e29b7-6a3d-7d8b-a9d6-ecb1427046e0" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_019e29b7-6a3d-70e1-be32-c1f5f93ea819" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember_019e29b7-6a3d-7d8b-a9d6-ecb1427046e0" xlink:to="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember_019e29b7-6a3d-70e1-be32-c1f5f93ea819" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e29b7-6a3d-7f5e-a443-34ab849ddb06" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_019e29b7-6a3d-772d-8f72-8ac820dde749" xlink:to="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e29b7-6a3d-7f5e-a443-34ab849ddb06" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7f5e-a443-34ab849ddb06_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e29b7-6a3d-7f5e-a443-34ab849ddb06" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7f5e-a443-34ab849ddb06_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7924-9145-2eba2cd60bb6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis_019e29b7-6a3d-7f5e-a443-34ab849ddb06" xlink:to="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7924-9145-2eba2cd60bb6" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member_019e29b7-6a3d-7090-8e52-e18bc28d28df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7924-9145-2eba2cd60bb6" xlink:to="loc_us-gaap_FairValueInputsLevel1Member_019e29b7-6a3d-7090-8e52-e18bc28d28df" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member_019e29b7-6a3d-74c1-8ac0-de0f54f6615d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7924-9145-2eba2cd60bb6" xlink:to="loc_us-gaap_FairValueInputsLevel2Member_019e29b7-6a3d-74c1-8ac0-de0f54f6615d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel3Member_019e29b7-6a3d-73b3-b86b-6c0e16cdf66d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueInputsLevel3Member"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_019e29b7-6a3d-7924-9145-2eba2cd60bb6" xlink:to="loc_us-gaap_FairValueInputsLevel3Member_019e29b7-6a3d-73b3-b86b-6c0e16cdf66d" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract_019e29b7-6a3d-70a8-a61b-2aa7d84d2d6f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-727b-a8d7-39d981e4ff86" xlink:to="loc_us-gaap_AssetsFairValueDisclosureAbstract_019e29b7-6a3d-70a8-a61b-2aa7d84d2d6f" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019e29b7-6a3d-78d5-9fce-adb10b25f43d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019e29b7-6a3d-70a8-a61b-2aa7d84d2d6f" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019e29b7-6a3d-78d5-9fce-adb10b25f43d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e29b7-6a3d-7ef3-aba1-694349ab631a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HeldToMaturitySecuritiesFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019e29b7-6a3d-70a8-a61b-2aa7d84d2d6f" xlink:to="loc_us-gaap_HeldToMaturitySecuritiesFairValue_019e29b7-6a3d-7ef3-aba1-694349ab631a" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankStock_019e29b7-6a3d-77f2-8fae-352d2d51da96" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankStock"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019e29b7-6a3d-70a8-a61b-2aa7d84d2d6f" xlink:to="loc_us-gaap_FederalHomeLoanBankStock_019e29b7-6a3d-77f2-8fae-352d2d51da96" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableFairValueDisclosure_019e29b7-6a3d-759b-9d17-1b7f14f6ad06" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansReceivableFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract_019e29b7-6a3d-70a8-a61b-2aa7d84d2d6f" xlink:to="loc_us-gaap_LoansReceivableFairValueDisclosure_019e29b7-6a3d-759b-9d17-1b7f14f6ad06" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019e29b7-6a3d-7423-9d28-ad899b647e8c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_019e29b7-6a3d-727b-a8d7-39d981e4ff86" xlink:to="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019e29b7-6a3d-7423-9d28-ad899b647e8c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_DepositsOtherThanTimeDepositsFairValueDisclosure_019e29b7-6a3d-74c7-9a2e-c028b516e57c" xlink:href="ocfc-20260630.xsd#ocfc_DepositsOtherThanTimeDepositsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019e29b7-6a3d-7423-9d28-ad899b647e8c" xlink:to="loc_ocfc_DepositsOtherThanTimeDepositsFairValueDisclosure_019e29b7-6a3d-74c7-9a2e-c028b516e57c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TimeDeposits_019e29b7-6a3d-7065-a702-1133727adbe9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TimeDeposits"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019e29b7-6a3d-7423-9d28-ad899b647e8c" xlink:to="loc_us-gaap_TimeDeposits_019e29b7-6a3d-7065-a702-1133727adbe9" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_019e29b7-6a3d-72e2-8ff7-d807c7f18b39" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019e29b7-6a3d-7423-9d28-ad899b647e8c" xlink:to="loc_us-gaap_FederalHomeLoanBankBorrowingsFairValueDisclosure_019e29b7-6a3d-72e2-8ff7-d807c7f18b39" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019e29b7-6a3d-79e6-adf1-c49292e7ab22" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchase"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract_019e29b7-6a3d-7423-9d28-ad899b647e8c" xlink:to="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase_019e29b7-6a3d-79e6-adf1-c49292e7ab22" xlink:type="arc" order="4"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/DerivativesandHedgingActivitiesNarrativeDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#DerivativesandHedgingActivitiesNarrativeDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/DerivativesandHedgingActivitiesNarrativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLineItems_019e29b7-6a3d-75cf-96ef-733ad607ccce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTable_019e29b7-6a3d-766d-b34f-bf343b0e12c1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativeLineItems_019e29b7-6a3d-75cf-96ef-733ad607ccce" xlink:to="loc_us-gaap_DerivativeTable_019e29b7-6a3d-766d-b34f-bf343b0e12c1" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-7efc-b276-dab1dde7e358" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019e29b7-6a3d-766d-b34f-bf343b0e12c1" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-7efc-b276-dab1dde7e358" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-7efc-b276-dab1dde7e358_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-7efc-b276-dab1dde7e358" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-7efc-b276-dab1dde7e358_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-70d7-8cca-d26b09d61229" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-7efc-b276-dab1dde7e358" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-70d7-8cca-d26b09d61229" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019e29b7-6a3d-7b6f-b993-f5e7eda1d899" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-70d7-8cca-d26b09d61229" xlink:to="loc_us-gaap_InterestRateSwapMember_019e29b7-6a3d-7b6f-b993-f5e7eda1d899" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditDefaultSwapMember_019e29b7-6a3d-7c66-b417-ccd552f6e21d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditDefaultSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-70d7-8cca-d26b09d61229" xlink:to="loc_us-gaap_CreditDefaultSwapMember_019e29b7-6a3d-7c66-b417-ccd552f6e21d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_InterestRateOptionMember_019fc45a-4f43-7fbf-9bab-73f783d9294b" xlink:href="ocfc-20260630.xsd#ocfc_InterestRateOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-70d7-8cca-d26b09d61229" xlink:to="loc_ocfc_InterestRateOptionMember_019fc45a-4f43-7fbf-9bab-73f783d9294b" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeAxis_019fb7a0-8126-72d4-83c1-0a47c2d70929" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_DerivativeTable_019e29b7-6a3d-766d-b34f-bf343b0e12c1" xlink:to="loc_srt_RangeAxis_019fb7a0-8126-72d4-83c1-0a47c2d70929" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019fb7a0-8126-72d4-83c1-0a47c2d70929_default" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_srt_RangeAxis_019fb7a0-8126-72d4-83c1-0a47c2d70929" xlink:to="loc_srt_RangeMember_019fb7a0-8126-72d4-83c1-0a47c2d70929_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember_019fb7a0-8126-726e-94f9-fc9662734a80" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_RangeMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_srt_RangeAxis_019fb7a0-8126-72d4-83c1-0a47c2d70929" xlink:to="loc_srt_RangeMember_019fb7a0-8126-726e-94f9-fc9662734a80" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember_019fb7a1-4ac9-7ff9-8c80-7c7bfd9e61f3" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MinimumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_019fb7a0-8126-726e-94f9-fc9662734a80" xlink:to="loc_srt_MinimumMember_019fb7a1-4ac9-7ff9-8c80-7c7bfd9e61f3" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember_019fb7a0-dc33-7091-b0b4-81e19eb8f58c" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-2026.xsd#srt_MaximumMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_srt_RangeMember_019fb7a0-8126-726e-94f9-fc9662734a80" xlink:to="loc_srt_MaximumMember_019fb7a0-dc33-7091-b0b4-81e19eb8f58c" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_DerivativeCreditRiskValuationAdjustmentsDerivativeLiabilities_019e29b7-6a3d-77bb-8d8b-69fdf6e38672" xlink:href="ocfc-20260630.xsd#ocfc_DerivativeCreditRiskValuationAdjustmentsDerivativeLiabilities"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019e29b7-6a3d-75cf-96ef-733ad607ccce" xlink:to="loc_ocfc_DerivativeCreditRiskValuationAdjustmentsDerivativeLiabilities_019e29b7-6a3d-77bb-8d8b-69fdf6e38672" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_DerivativeInstrumentAssetAmountSecuredByDerivative_019e29b7-6a3d-78b8-89da-ac6f2a0c9aee" xlink:href="ocfc-20260630.xsd#ocfc_DerivativeInstrumentAssetAmountSecuredByDerivative"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019e29b7-6a3d-75cf-96ef-733ad607ccce" xlink:to="loc_ocfc_DerivativeInstrumentAssetAmountSecuredByDerivative_019e29b7-6a3d-78b8-89da-ac6f2a0c9aee" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_019e29b7-6a3d-7889-a14f-43823411f242" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019e29b7-6a3d-75cf-96ef-733ad607ccce" xlink:to="loc_us-gaap_DerivativeNotionalAmount_019e29b7-6a3d-7889-a14f-43823411f242" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet_019e29b7-6a3d-773a-97b0-833197fb2989" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019e29b7-6a3d-75cf-96ef-733ad607ccce" xlink:to="loc_us-gaap_DerivativeGainLossOnDerivativeNet_019e29b7-6a3d-773a-97b0-833197fb2989" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_DerivativeInstrumentPremiumExpense_019e29b7-6a3d-7212-bd13-e257ba8fcb71" xlink:href="ocfc-20260630.xsd#ocfc_DerivativeInstrumentPremiumExpense"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019e29b7-6a3d-75cf-96ef-733ad607ccce" xlink:to="loc_ocfc_DerivativeInstrumentPremiumExpense_019e29b7-6a3d-7212-bd13-e257ba8fcb71" xlink:type="arc" order="4"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeTermOfContract_019e29b7-6a3d-78c5-bf03-f23ef497e419" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeTermOfContract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019e29b7-6a3d-75cf-96ef-733ad607ccce" xlink:to="loc_us-gaap_DerivativeTermOfContract_019e29b7-6a3d-78c5-bf03-f23ef497e419" xlink:type="arc" order="5"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAlreadyPostedAggregateFairValue_019e29b7-6a3d-7bf5-9414-c87f8caae4c1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CollateralAlreadyPostedAggregateFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019e29b7-6a3d-75cf-96ef-733ad607ccce" xlink:to="loc_us-gaap_CollateralAlreadyPostedAggregateFairValue_019e29b7-6a3d-7bf5-9414-c87f8caae4c1" xlink:type="arc" order="6"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesReceivedAsCollateral_019e29b7-6a3d-7a19-bf12-56ff096490d4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesReceivedAsCollateral"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019e29b7-6a3d-75cf-96ef-733ad607ccce" xlink:to="loc_us-gaap_SecuritiesReceivedAsCollateral_019e29b7-6a3d-7a19-bf12-56ff096490d4" xlink:type="arc" order="7"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_CreditRiskDerivativeLiabilitiesAtFairValueExcludingHedge_019e29b7-6a3d-7ed4-88f2-36f5eb3e1f63" xlink:href="ocfc-20260630.xsd#ocfc_CreditRiskDerivativeLiabilitiesAtFairValueExcludingHedge"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeLineItems_019e29b7-6a3d-75cf-96ef-733ad607ccce" xlink:to="loc_ocfc_CreditRiskDerivativeLiabilitiesAtFairValueExcludingHedge_019e29b7-6a3d-7ed4-88f2-36f5eb3e1f63" xlink:type="arc" order="8"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/DerivativesandHedgingActivitiesScheduleofAccumulatedOtherComprehensiveIncomeLossAttributabletoCashFlowHedgeDerivativeDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#DerivativesandHedgingActivitiesScheduleofAccumulatedOtherComprehensiveIncomeLossAttributabletoCashFlowHedgeDerivativeDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/DerivativesandHedgingActivitiesScheduleofAccumulatedOtherComprehensiveIncomeLossAttributabletoCashFlowHedgeDerivativeDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e29b7-6a3d-7c1b-8e19-c09e88c6ee30" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019e29b7-6a3d-7d41-b5f4-ad7e77e9517d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e29b7-6a3d-7c1b-8e19-c09e88c6ee30" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019e29b7-6a3d-7d41-b5f4-ad7e77e9517d" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementEquityComponentsAxis_019e29b7-6a3d-7ddb-be1f-9b867057a17f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StatementEquityComponentsAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossTable_019e29b7-6a3d-7d41-b5f4-ad7e77e9517d" xlink:to="loc_us-gaap_StatementEquityComponentsAxis_019e29b7-6a3d-7ddb-be1f-9b867057a17f" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019e29b7-6a3d-7ddb-be1f-9b867057a17f_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019e29b7-6a3d-7ddb-be1f-9b867057a17f" xlink:to="loc_us-gaap_EquityComponentDomain_019e29b7-6a3d-7ddb-be1f-9b867057a17f_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityComponentDomain_019e29b7-6a3d-7fce-80b4-5c85830f5053" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityComponentDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementEquityComponentsAxis_019e29b7-6a3d-7ddb-be1f-9b867057a17f" xlink:to="loc_us-gaap_EquityComponentDomain_019e29b7-6a3d-7fce-80b4-5c85830f5053" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019e29b7-6a3d-746d-8d5e-5d3455189c89" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_EquityComponentDomain_019e29b7-6a3d-7fce-80b4-5c85830f5053" xlink:to="loc_us-gaap_AccumulatedGainLossNetCashFlowHedgeParentMember_019e29b7-6a3d-746d-8d5e-5d3455189c89" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTaxAbstract_019e29b7-6a3d-7e08-84cf-d84abf251639" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTaxAbstract"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossLineItems_019e29b7-6a3d-7c1b-8e19-c09e88c6ee30" xlink:to="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTaxAbstract_019e29b7-6a3d-7e08-84cf-d84abf251639" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e29b7-6a3d-75bc-a748-05845fd89320" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTaxAbstract_019e29b7-6a3d-7e08-84cf-d84abf251639" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e29b7-6a3d-75bc-a748-05845fd89320" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax_019e4e54-30a6-7346-becc-20c71622bf91" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTaxAbstract_019e29b7-6a3d-7e08-84cf-d84abf251639" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsNetOfTax_019e4e54-30a6-7346-becc-20c71622bf91" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax_019e29b7-6a3d-79a3-bd7a-2db8162e6eb1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTaxAbstract_019e29b7-6a3d-7e08-84cf-d84abf251639" xlink:to="loc_us-gaap_ReclassificationFromAccumulatedOtherComprehensiveIncomeCurrentPeriodNetOfTax_019e29b7-6a3d-79a3-bd7a-2db8162e6eb1" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019e29b7-6a3d-792f-9ad5-08b65fd3f711" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://www.oceanfirstonline.com/role/DerivativesandHedgingActivitiesScheduleofNotionalAmountandFairValueofDerivativesDesignatedandNotDesignatedasHedgingInstrumentsDetails" xlink:type="simple" xlink:href="ocfc-20260630.xsd#DerivativesandHedgingActivitiesScheduleofNotionalAmountandFairValueofDerivativesDesignatedandNotDesignatedasHedgingInstrumentsDetails"/>
  <link:definitionLink xlink:role="http://www.oceanfirstonline.com/role/DerivativesandHedgingActivitiesScheduleofNotionalAmountandFairValueofDerivativesDesignatedandNotDesignatedasHedgingInstrumentsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesFairValueLineItems_019e29b7-6a3d-7178-919d-afed60adb0da" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativesFairValueLineItems"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_019e29b7-6a3d-7fad-8e5c-47bf2629ec2c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_019e29b7-6a3d-7178-919d-afed60adb0da" xlink:to="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_019e29b7-6a3d-7fad-8e5c-47bf2629ec2c" xlink:type="arc" order="1" xbrldt:closed="true" xbrldt:contextElement="segment"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis_019e29b7-6a3d-73a7-82c7-39f87101641d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_019e29b7-6a3d-7fad-8e5c-47bf2629ec2c" xlink:to="loc_us-gaap_HedgingDesignationAxis_019e29b7-6a3d-73a7-82c7-39f87101641d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019e29b7-6a3d-73a7-82c7-39f87101641d_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_HedgingDesignationAxis_019e29b7-6a3d-73a7-82c7-39f87101641d" xlink:to="loc_us-gaap_HedgingDesignationDomain_019e29b7-6a3d-73a7-82c7-39f87101641d_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationDomain_019e29b7-6a3d-70b6-b199-77dc080a81d2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingDesignationDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_HedgingDesignationAxis_019e29b7-6a3d-73a7-82c7-39f87101641d" xlink:to="loc_us-gaap_HedgingDesignationDomain_019e29b7-6a3d-70b6-b199-77dc080a81d2" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember_019e29b7-6a3d-7b0d-a70e-40b60eaa67e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NondesignatedMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_019e29b7-6a3d-70b6-b199-77dc080a81d2" xlink:to="loc_us-gaap_NondesignatedMember_019e29b7-6a3d-7b0d-a70e-40b60eaa67e5" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019e29b7-6a3d-76de-8c52-93ef37b35396" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingDesignationDomain_019e29b7-6a3d-70b6-b199-77dc080a81d2" xlink:to="loc_us-gaap_DesignatedAsHedgingInstrumentMember_019e29b7-6a3d-76de-8c52-93ef37b35396" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019e29b7-6a3d-7be0-bba5-9f2ac445caf8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_019e29b7-6a3d-7fad-8e5c-47bf2629ec2c" xlink:to="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019e29b7-6a3d-7be0-bba5-9f2ac445caf8" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_019e29b7-6a3d-7be0-bba5-9f2ac445caf8_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019e29b7-6a3d-7be0-bba5-9f2ac445caf8" xlink:to="loc_us-gaap_HedgingRelationshipDomain_019e29b7-6a3d-7be0-bba5-9f2ac445caf8_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingRelationshipDomain_019e29b7-6a3d-7d71-8d41-b66355935eb5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_HedgingRelationshipDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipAxis_019e29b7-6a3d-7be0-bba5-9f2ac445caf8" xlink:to="loc_us-gaap_HedgingRelationshipDomain_019e29b7-6a3d-7d71-8d41-b66355935eb5" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashFlowHedgingMember_019e29b7-6a3d-79e6-98b7-939e02639e16" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashFlowHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_019e29b7-6a3d-7d71-8d41-b66355935eb5" xlink:to="loc_us-gaap_CashFlowHedgingMember_019e29b7-6a3d-79e6-98b7-939e02639e16" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueHedgingMember_019e29b7-6a3d-7861-8cb9-07d5091f8292" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FairValueHedgingMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_HedgingRelationshipDomain_019e29b7-6a3d-7d71-8d41-b66355935eb5" xlink:to="loc_us-gaap_FairValueHedgingMember_019e29b7-6a3d-7861-8cb9-07d5091f8292" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-7ff2-858e-c1a1e0342ee2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_us-gaap_FairValuesDerivativesBalanceSheetLocationByDerivativeContractTypeByHedgingDesignationTable_019e29b7-6a3d-7fad-8e5c-47bf2629ec2c" xlink:to="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-7ff2-858e-c1a1e0342ee2" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-7ff2-858e-c1a1e0342ee2_default" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-7ff2-858e-c1a1e0342ee2" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-7ff2-858e-c1a1e0342ee2_default" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-7922-b414-c2eceaa8fe6d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis_019e29b7-6a3d-7ff2-858e-c1a1e0342ee2" xlink:to="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-7922-b414-c2eceaa8fe6d" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_InterestRateSwapAndCapMember_019e29b7-6a3d-7cbe-8147-5ea6d52a20bb" xlink:href="ocfc-20260630.xsd#ocfc_InterestRateSwapAndCapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-7922-b414-c2eceaa8fe6d" xlink:to="loc_ocfc_InterestRateSwapAndCapMember_019e29b7-6a3d-7cbe-8147-5ea6d52a20bb" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditDefaultSwapMember_019e29b7-6a3d-7a99-879a-bc682bb3f66e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditDefaultSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-7922-b414-c2eceaa8fe6d" xlink:to="loc_us-gaap_CreditDefaultSwapMember_019e29b7-6a3d-7a99-879a-bc682bb3f66e" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_ocfc_InterestRateOptionMember_019fc788-182c-712a-8c96-f9336052ebeb" xlink:href="ocfc-20260630.xsd#ocfc_InterestRateOptionMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-7922-b414-c2eceaa8fe6d" xlink:to="loc_ocfc_InterestRateOptionMember_019fc788-182c-712a-8c96-f9336052ebeb" xlink:type="arc" order="2"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember_019e29b7-6a3d-75ed-ac28-91b539efff77" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestRateSwapMember"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativeContractTypeDomain_019e29b7-6a3d-7922-b414-c2eceaa8fe6d" xlink:to="loc_us-gaap_InterestRateSwapMember_019e29b7-6a3d-75ed-ac28-91b539efff77" xlink:type="arc" order="3"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount_019e29b7-6a3d-7503-bf2c-1781c52e2909" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_019e29b7-6a3d-7178-919d-afed60adb0da" xlink:to="loc_us-gaap_DerivativeNotionalAmount_019e29b7-6a3d-7503-bf2c-1781c52e2909" xlink:type="arc" order="0"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditRiskDerivativeAssetsAtFairValue_019e29b7-6a3d-7f42-8a82-d5743037edca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditRiskDerivativeAssetsAtFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_019e29b7-6a3d-7178-919d-afed60adb0da" xlink:to="loc_us-gaap_CreditRiskDerivativeAssetsAtFairValue_019e29b7-6a3d-7f42-8a82-d5743037edca" xlink:type="arc" order="1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue_019e29b7-6a3d-72da-813e-4a5b53167568" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_DerivativesFairValueLineItems_019e29b7-6a3d-7178-919d-afed60adb0da" xlink:to="loc_us-gaap_CreditRiskDerivativeLiabilitiesAtFairValue_019e29b7-6a3d-72da-813e-4a5b53167568" xlink:type="arc" order="2"/>
  </link:definitionLink>
  <link:roleRef roleURI="http://fasb.org/srt/role/srt-eedm/ExtensibleEnumerationLists" xlink:type="simple" xlink:href="https://xbrl.fasb.org/srt/2026/elts/srt-roles-2026.xsd#eedm1"/>
  <link:definitionLink xlink:role="http://fasb.org/srt/role/srt-eedm/ExtensibleEnumerationLists" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract" xlink:to="loc_us-gaap_DebtSecuritiesAvailableForSaleExcludingAccruedInterest" xlink:type="arc" order="101"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_AssetsAbstract" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentAndFinanceLeaseRightOfUseAssetAfterAccumulatedDepreciationAndAmortization" xlink:type="arc" order="102"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherBorrowings" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherBorrowings"/>
    <link:definitionArc xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_LiabilitiesAbstract" xlink:to="loc_us-gaap_OtherBorrowings" xlink:type="arc" order="31"/>
  </link:definitionLink>
</link:linkbase>
