Mortgage lending in Union County
8,654 mortgages were originated in Union 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
- 8,654
- Median rate
- 6.750%
- Median lender fees
- $8,117
- Median loan amount
- $415,000
- Median spread over APOR
- 0.259
- Paid discount points
- 29.8%
- Received lender credits
- 26.2%
- Purchases / refinances
- 44.8% / 34.1%
- Conventional / FHA / VA
- 85.6% / 12.3% / 2.1%
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 62.7% 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 Union County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 527 | $4,861 | 6.875% |
| Citizens Bank, National Association | 453 | — | 7.400% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 406 | $14,400 | 6.375% |
| Bank of America, National Association | 375 | $6,829 | 5.990% |
| CROSSCOUNTRY MORTGAGE, INC. | 316 | $9,790 | 6.625% |
| TD Bank, National Association | 302 | $4,139 | 7.340% |
| PNC Bank, National Association | 242 | — | 8.000% |
| GUARANTEED RATE, INC. | 236 | $6,706 | 6.500% |
| JPMorgan Chase Bank, National Association | 217 | $6,162 | 6.375% |
| Loandepot.Com, LLC | 192 | $5,958 | 6.750% |
What lenders charged here
Lender fees on a $415,000 loan, based on what was actually charged in Union County — not a rule of thumb.
From 5,427 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