Mortgage lending in Bergen County
15,503 mortgages were originated in Bergen County, New Jersey, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 15,503
- Median rate
- 6.750%
- Median lender fees
- $7,132
- Median loan amount
- $435,000
- Median spread over APOR
- 0.206
- Paid discount points
- 25.9%
- Received lender credits
- 24.8%
- Purchases / refinances
- 44% / 32.3%
- Conventional / FHA / VA
- 92.4% / 6.1% / 1.5%
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 62.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,209,750
- FHA limit
- $1,249,125
This is a high-cost area: loans above $832,750 are still agency-backed here, as high-balance, where a plain conforming loan would stop. How limits work
Who lent here
Lenders with at least 50 loans in Bergen County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 979 | $5,619 | 6.750% |
| TD Bank, National Association | 854 | $3,957 | 7.340% |
| Bank of America, National Association | 730 | $7,287 | 5.990% |
| Citizens Bank, National Association | 728 | $8,827 | 7.400% |
| CROSSCOUNTRY MORTGAGE, INC. | 660 | $8,987 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 619 | $11,081 | 6.556% |
| JPMorgan Chase Bank, National Association | 515 | $5,779 | 6.375% |
| PNC Bank, National Association | 406 | — | 8.000% |
| GUARANTEED RATE, INC. | 395 | $6,867 | 6.625% |
| Loandepot.Com, LLC | 382 | $5,831 | 6.625% |
What lenders charged here
Lender fees on a $435,000 loan, based on what was actually charged in Bergen County — not a rule of thumb.
From 9,675 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers