Mortgage lending in Hudson County
7,032 mortgages were originated in Hudson 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
- 7,032
- Median rate
- 6.625%
- Median lender fees
- $7,029
- Median loan amount
- $495,000
- Median spread over APOR
- 0.134
- Paid discount points
- 25.7%
- Received lender credits
- 28.8%
- Purchases / refinances
- 57.2% / 29.1%
- Conventional / FHA / VA
- 92.9% / 5.9% / 1.1%
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 65.9% 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 Hudson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 641 | $7,993 | 6.625% |
| Loandepot.Com, LLC | 632 | $6,065 | 6.375% |
| Rocket Mortgage, LLC | 338 | $5,812 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 335 | $11,841 | 6.500% |
| JPMorgan Chase Bank, National Association | 281 | $5,438 | 6.240% |
| TD Bank, National Association | 257 | $4,156 | 6.500% |
| Citizens Bank, National Association | 207 | $8,656 | 7.150% |
| Bank of America, National Association | 157 | $6,899 | 5.990% |
| GUARANTEED RATE, INC. | 130 | $6,513 | 6.750% |
| PNC Bank, National Association | 116 | — | 8.000% |
What lenders charged here
Lender fees on a $495,000 loan, based on what was actually charged in Hudson County — not a rule of thumb.
From 4,635 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