New Jersey

Today's New Jersey (NJ) Mortgage Rates


eRates Mortgage
NMLS # 1071
State Lic # 9601232
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

E-Click Lending
NMLS # 1256692
State Lic # 9601232
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Citibank, N. A.
NMLS # 412915
State Lic # 9601232
4.085% APR
4.000% RATE
0 Points
60 day lock
Fees: $2,540
Monthly Payment
$1,193.54

NEXT  
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Get A Rate LLC
State Lic # 9601232
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Philadelphia Mortgage Advisors, Inc.
NMLS # 128570
State Lic # 0748692
3.875% APR
3.875% RATE
0 Points
45 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

First Mortgage Direct
NMLS # 244476
State Lic # 244476
3.875% APR
3.875% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,175.59

NEXT  

Sebonic Financial
NMLS # 66247
State Lic # 8701663
3.687% APR
3.625% RATE
0 Points
30 day lock
Fees: $1,912
Monthly Payment
$1,140.13

NEXT  

Garden State Home Loans
State Lic # 8701663
3.750% APR
3.750% RATE
0 Points
31 day lock
Fees: $0
Monthly Payment
$1,157.79

NEXT  

Flagstar Bank
NMLS # 417490
State Lic # 8701663
3.990% APR
3.990% RATE
0 Points
30 day lock
Fees: $0
Monthly Payment
$1,192.10

NEXT  

Better Mortgage Inc
NMLS # 330511
State Lic # 8701663
3.797% APR
3.750% RATE
0 Points
45 day lock
Fees: $1,440
Monthly Payment
$1,157.79

NEXT  

Columbia Bank
NMLS # 504284
State Lic # 8701663
3.902% APR
3.875% RATE
0 Points
60 day lock
Fees: $833
Monthly Payment
$1,175.59

NEXT  

Ally Bank
NMLS # 181005
State Lic # 8701663
4.029% APR
4.000% RATE
0 Points
45 day lock
Fees: $865
Monthly Payment
$1,193.54

NEXT  

JG Wentworth Home Lending
NMLS # 2925
State Lic # 2925
4.135% APR
4.125% RATE
0 Points
45 day lock
Fees: $299
Monthly Payment
$1,211.62

NEXT  

Northpointe Bank
State Lic # 2925
3.751% APR
3.750% RATE
0 Points
30 day lock
Fees: $25
Monthly Payment
$1,157.79

NEXT  

Rates were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. APR and Payment examples shown do not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included.


New Jersey (NJ) Mortgage Rates & Mortgage Loan Data – Prior Year

  • Loan originated: 2,046,353
  • Loan purchased by the institution: 831,264
  • Application denied by financial institution: 823,393
  • Application withdrawn by applicant: 441,829
  • Application approved but not accepted: 229,700
  • File closed for incompleteness: 160,060
  • Preapproval request denied by financial institution: 273
  • Preapproval request approved but not accepted: 12

  • Refinancing: 2,863,211
  • Home purchase: 1,370,332
  • Home improvement: 299,341

  • Conventional: 3,654,341
  • FHA-insured: 786,803
  • VA-guaranteed: 75,250
  • FSA/RHS-guaranteed: 16,490

  • White: 2,853,385
  • Information not provided by applicant in mail, Internet, or telephone application: 613,653
  • Not applicable: 408,943
  • Asian: 324,718
  • Black or African American: 299,256
  • American Indian or Alaska Native: 17,391
  • Native Hawaiian or Other Pacific Islander: 15,538

  • Not Hispanic or Latino: 3,190,403
  • Information not provided by applicant in mail, Internet, or telephone application: 581,084
  • Not applicable: 410,938
  • Hispanic or Latino: 350,459

  • Male: 2,638,635
  • Female: 1,155,035
  • Not applicable: 409,484
  • Information not provided by applicant in mail, Internet, or telephone application: 329,730

  • Department of Housing and Urban Development: 1,365,109
  • Office of the Comptroller of the Currency: 1,102,586
  • Consumer Financial Protection Bureau: 1,090,529
  • Office of Thrift Supervision: 418,446
  • Federal Deposit Insurance Corporation: 253,029
  • Federal Reserve System: 203,502
  • National Credit Union Administration: 99,683

  • Bergen County: 426,045
  • Middlesex County: 395,079
  • Monmouth County: 379,191
  • Ocean County: 359,109
  • Essex County: 311,181
  • Burlington County: 278,406
  • Morris County: 275,707
  • Camden County: 274,413
  • Union County: 241,586
  • Hudson County: 230,569
  • Passaic County: 194,722
  • Somerset County: 194,584
  • Gloucester County: 185,600
  • Mercer County: 175,538
  • Atlantic County: 162,845
  • Cape May County: 113,503
  • Sussex County: 93,628
  • Hunterdon County: 79,023
  • Cumberland County: 63,367
  • Warren County: 59,047
  • Salem County: 33,027
  • Unknown: 6,714

  • Edison, New Brunswick – NJ: 916,948
  • Newark, Union – NJ, PA: 859,429
  • Camden – NJ: 738,111
  • New York, White Plains, Wayne – NY, NJ: 727,015
  • New York, Jersey City, White Plains – NY, NJ: 289,038
  • Edison – NJ: 215,971
  • Newark – NJ, PA: 167,479
  • Trenton, Ewing – NJ: 152,488
  • Atlantic City, Hammonton – NJ: 128,189
  • Ocean City – NJ: 113,453
  • Allentown, Bethlehem, Easton – PA, NJ: 58,985
  • Vineland, Millville, Bridgeton – NJ: 54,962
  • Atlantic City – NJ: 34,596
  • Wilmington – DE, MD, NJ: 33,014
  • Trenton – NJ: 22,913
  • Unknown: 11,903
  • Vineland, Bridgeton – NJ: 8,390

  • Unknown: 3,880,739
  • Debt-to-income ratio: 159,726
  • Collateral: 150,047
  • Credit history: 134,452
  • Credit application incomplete: 88,224
  • Other: 71,409
  • Unverifiable information: 24,108
  • Insufficient cash (downpayment, closing costs): 15,959
  • Employment history: 6,817
  • Mortgage insurance denied: 1,403

  • Not a HOEPA loan: 4,532,730
  • HOEPA loan: 154

  • Secured by a first lien: 3,357,861
  • Not applicable: 831,264
  • Secured by a subordinate lien: 281,614
  • Not secured by a lien: 62,145

  • Owner-occupied as a principal dwelling: 4,154,273
  • Not owner-occupied as a principal dwelling: 362,673
  • Not applicable: 15,938

  • One-to-four family dwelling (other than manufactured housing): 4,509,315
  • Multifamily dwelling: 14,757
  • Manufactured housing: 8,812

  • Loan was not originated or was not sold in calendar year covered by register: 2,446,564
  • Fannie Mae (FNMA): 664,096
  • Freddie Mac (FHLMC): 357,698
  • Ginnie Mae (GNMA): 272,875
  • Affiliate institution: 238,697
  • Commercial bank, savings bank or savings association: 186,684
  • Other type of purchaser: 166,635
  • Life insurance company, credit union, mortgage bank, or finance company: 160,977
  • Private securitization: 38,571
  • Farmer Mac (FAMC): 87