Mortgage lending in Trenton-Princeton, NJ
7,366 mortgages were originated in the Trenton-Princeton, NJ area in 2025, and here is what they cost.
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
- 7,366
- Median rate
- 6.750%
- Median lender fees
- $6,349
- Median loan amount
- $275,000
- Median spread over APOR
- 0.266
- Paid discount points
- 30.1%
- Received lender credits
- 22.1%
- Purchases / refinances
- 47.2% / 34.3%
- Conventional / FHA / VA
- 88.9% / 8.7% / 2.3%
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 61.5% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Trenton-Princeton, NJ area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 577 | $5,208 | 6.625% |
| Citizens Bank, National Association | 389 | — | 7.400% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 319 | $9,605 | 6.250% |
| PNC Bank, National Association | 319 | — | 8.000% |
| Bank of America, National Association | 220 | $5,450 | 6.125% |
| LENNAR MORTGAGE, LLC | 194 | $5,718 | 5.250% |
| TD Bank, National Association | 191 | $4,318 | 7.340% |
| CROSSCOUNTRY MORTGAGE, INC. | 189 | $6,939 | 6.750% |
| Loan Funder LLC | 165 | — | 7.700% |
| JPMorgan Chase Bank, National Association | 146 | $5,298 | 6.490% |