HomeLoans.fyi
← Back to heatmap

Mortgage Rates in New Jersey

81 real rates from borrowers and public HMDA records

+ Submit Your Rate
30-Yr Fixed Avg
6.467%
50 submissions
15-Yr Fixed Avg
4.830%
5 submissions
Total Submissions
81
Jan 2025 – Dec 2025
Lenders Reporting
8

Top Lenders in New Jersey

LenderAvg RateSubmissions
U.S. BankU.S. Bank6.413%3
Navy Federal Credit UnionNavy Federal Credit Union6.250%3
Bank of AmericaBank of America6.083%3
KeyBankKeyBank6.292%3
PennymacPennymac5.288%3
Guild MortgageGuild Mortgage6.458%3
CrossCountry MortgageCrossCountry Mortgage6.830%3
Planet Home LendingPlanet Home Lending5.750%3

Rate Trend by Month

MonthAvg RateSubmissions
Dec 20256.448%5
Nov 20255.591%4
Oct 20256.208%3
Sep 20256.438%7
Aug 20256.310%11
Jul 20256.375%6
Jun 20255.907%7
May 20256.438%6
Apr 20256.152%9
Mar 20256.252%10
Feb 20256.417%6
Jan 20256.284%7

Frequently Asked Questions

What is the average mortgage rate in New Jersey?
Based on 50 real 30-year fixed submissions, the average rate locked in New Jersey is 6.467%. This reflects what borrowers actually locked, not lender-advertised teaser rates.
How many mortgage rate submissions does HomeLoans.fyi have for New Jersey?
81 real rates from New Jersey, sourced from anonymous borrower submissions and public HMDA loan records.
What is the average VA loan rate in New Jersey?
The average VA 30-year rate locked in New Jersey is 6.249%, based on 9 submissions.
Which lenders have the most submissions in New Jersey?
U.S. Bank, Navy Federal Credit Union, Bank of America have the most submitted rates in New Jersey on HomeLoans.fyi.
Browse all New Jersey submissions →