Mortgage lending in Middlesex County
14,147 mortgages were originated in Middlesex 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
- 14,147
- Median rate
- 6.625%
- Median lender fees
- $6,342
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
- $355,000
- Above the going rate (spread over APOR)
- 0.260
- Paid discount points
- 28.3%
- Received lender credits
- 28.2%
- Purchases / refinances
- 43.6% / 34.6%
- Conventional / FHA / VA
- 88.7% / 9.2% / 2%
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% 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 Middlesex County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 1,281 | $4,545 | 6.625% |
| United Shore Financial Services, LLC | 1,057 | $9,233 | 6.374% |
| Citizens Bank, National Association | 652 | — | 7.400% |
| Crosscountry Mortgage, Inc. | 516 | $7,988 | 6.625% |
| PNC Bank, National Association | 509 | — | 8.000% |
| Bank of America, National Association | 461 | $5,306 | 6.240% |
| TD Bank, National Association | 422 | $938 | 7.540% |
| OceanFirst Bank, National Association | 400 | $4,985 | 6.000% |
| Loandepot.Com, LLC | 311 | $5,235 | 7.125% |
| Pennymac Loan Services, LLC | 266 | $8,612 | 6.624% |
What lenders charged here
Lender fees on a $355,000 loan, based on what was actually charged in Middlesex County — not a rule of thumb.
From 9,476 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