Mortgage lending in Hunterdon County
2,982 mortgages were originated in Hunterdon 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
- 2,982
- Median rate
- 6.750%
- Median lender fees
- $6,030
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
- $305,000
- Above the going rate (spread over APOR)
- 0.270
- Paid discount points
- 26.5%
- Received lender credits
- 22.7%
- Purchases / refinances
- 40.8% / 32.4%
- Conventional / FHA / VA
- 92.6% / 4.8% / 2.5%
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 62.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $1,209,750
- FHA limit
- $1,249,125
- Median home price
- $996,000
- That home, 20% down
- $796,800
A median-priced home with 20% down leaves $412,950 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
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
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 Hunterdon County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 225 | $3,862 | 6.875% |
| PNC Bank, National Association | 190 | — | 8.000% |
| Affinity | 134 | — | 4.900% |
| Bank of America, National Association | 133 | — | 6.125% |
| United Shore Financial Services, LLC | 124 | $9,003 | 6.250% |
| TD Bank, National Association | 120 | — | 7.540% |
| Citizens Bank, National Association | 113 | — | 7.650% |
| Crosscountry Mortgage, Inc. | 108 | $7,423 | 6.750% |
| Guaranteed Rate, Inc. | 87 | $6,031 | 6.650% |
| Guaranteed Rate Affinity, LLC | 68 | $5,570 | 6.500% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Hunterdon County — not a rule of thumb.
From 1,877 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