Mortgage lending in Sussex County
4,116 mortgages were originated in Sussex 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
- 4,116
- Median rate
- 6.750%
- Median lender fees
- $6,722
- Median loan amount
- $275,000
- Median spread over APOR
- 0.405
- Paid discount points
- 36%
- Received lender credits
- 23%
- Purchases / refinances
- 44.5% / 32%
- Conventional / FHA / VA
- 80.1% / 14.8% / 4.9%
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 70.7% 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 Sussex County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 393 | $7,528 | 6.750% |
| Rocket Mortgage, LLC | 314 | $5,962 | 6.750% |
| GUARANTEED RATE, INC. | 276 | $6,037 | 6.638% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 145 | $7,757 | 6.625% |
| PNC Bank, National Association | 144 | — | 8.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 142 | $11,792 | 6.281% |
| Provident Bank | 113 | — | 7.000% |
| Citizens Bank, National Association | 93 | — | 7.650% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 85 | $8,485 | 6.875% |
| Loandepot.Com, LLC | 85 | $5,439 | 6.990% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Sussex County — not a rule of thumb.
From 2,908 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