Mortgage lending in Atlantic County
6,224 mortgages were originated in Atlantic County, New Jersey, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 6,224
- Median rate
- 6.832%
- Median lender fees
- $5,625
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $245,000
- Above the going rate (spread over APOR)
- 0.388
- Paid discount points
- 32%
- Received lender credits
- 20.4%
- Purchases / refinances
- 49.2% / 30.2%
- Conventional / FHA / VA
- 83.4% / 12.1% / 4.4%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 67.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $730,250
- Median home price
- $635,000
- That home, 20% down
- $508,000
A median-priced home with 20% down leaves $324,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Atlantic County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 401 | $5,126 | 6.990% |
| Affordable Mortgage Advisors, LLC. | 381 | $5,350 | 6.625% |
| Advisors Mortgage Group, L.L.C. | 298 | $5,478 | 6.625% |
| Crosscountry Mortgage, Inc. | 242 | $7,527 | 6.950% |
| TD Bank, National Association | 235 | $1,681 | 7.340% |
| OceanFirst Bank, National Association | 214 | $3,808 | 6.625% |
| Guaranteed Rate, Inc. | 157 | $5,828 | 6.750% |
| Citizens Bank, National Association | 154 | — | 7.650% |
| Nation One Mortgage Corporation | 154 | $15,475 | 6.625% |
| Loandepot.Com, LLC | 151 | $5,266 | 6.750% |
What lenders charged here
Lender fees on a $245,000 loan, based on what was actually charged in Atlantic County — not a rule of thumb.
From 4,228 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers