Mortgage lending in Morris County
10,494 mortgages were originated in Morris 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
- 10,494
- Median rate
- 6.625%
- Median lender fees
- $6,506
- Median loan amount
- $395,000
- Median spread over APOR
- 0.163
- Paid discount points
- 26.5%
- Received lender credits
- 26%
- Purchases / refinances
- 43.5% / 32.5%
- Conventional / FHA / VA
- 92.2% / 6.1% / 1.7%
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 66.8% 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 Morris County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 788 | $4,518 | 6.625% |
| GUARANTEED RATE, INC. | 492 | $6,424 | 6.500% |
| CROSSCOUNTRY MORTGAGE, INC. | 485 | $7,986 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 456 | $9,668 | 6.234% |
| Citizens Bank, National Association | 450 | $7,535 | 7.400% |
| Bank of America, National Association | 446 | $7,615 | 5.990% |
| TD Bank, National Association | 415 | $2,864 | 7.340% |
| PNC Bank, National Association | 327 | — | 8.000% |
| JPMorgan Chase Bank, National Association | 280 | $5,094 | 6.250% |
| Loandepot.Com, LLC | 240 | $5,638 | 6.750% |
What lenders charged here
Lender fees on a $395,000 loan, based on what was actually charged in Morris County — not a rule of thumb.
From 7,013 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