Mortgage lending in Warren County
2,736 mortgages were originated in Warren 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
- 2,736
- Median rate
- 6.750%
- Median lender fees
- $6,489
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
- $255,000
- Above the going rate (spread over APOR)
- 0.400
- Paid discount points
- 34.6%
- Received lender credits
- 21%
- Purchases / refinances
- 45.2% / 30.3%
- Conventional / FHA / VA
- 81.2% / 14% / 4.6%
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
- $832,750
- FHA limit
- $541,287
- Median home price
- $395,000
- That home, 20% down
- $316,000
A median-priced home with 20% down leaves $516,750 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. 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 Warren County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 200 | $5,461 | 6.750% |
| PNC Bank, National Association | 185 | — | 8.420% |
| Crosscountry Mortgage, Inc. | 169 | $7,258 | 6.825% |
| Guaranteed Rate, Inc. | 108 | $5,623 | 6.537% |
| United Shore Financial Services, LLC | 99 | $11,161 | 6.250% |
| Absolute Home Mortgage Corporation | 64 | $7,380 | 6.750% |
| Citizens Bank, National Association | 61 | — | 7.650% |
| Loandepot.Com, LLC | 60 | $6,424 | 6.625% |
| TD Bank, National Association | 58 | — | 7.915% |
| NVR Mortgage Finance, Inc. | 50 | $6,000 | 6.058% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Warren County — not a rule of thumb.
From 1,834 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