MonitorBankRates
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Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
New Jersey Rate Trends

Mortgage Rates Union, New Jersey (NJ) for March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Union, New Jersey. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Mortgage Rates Last Updated and Verified: March 22, 2026

Current 30-year fixed mortgage rates in Union, New Jersey as of March 23, 2026 are as follows, according to verified data from MonitorBankRates: Northfield BankNorthfield Bank1305 Morris Ave, Union, NJ, 07083A+5.0 ★Texas Ratio: 1.88% at 5.25%, Spencer Savings BankSpencer Savings Bank1350 Galloping Hill Rd Spc 2, Union, NJ, 07083A+5.0 ★Texas Ratio: 2.42% at 5.75%, ConnectOne BankConnectOne Bank2455 Morris Ave, Union, NJ, 07083A+5.0 ★Texas Ratio: 4.57% at 6.12%, Unity BankUnity Bank945 Stuyvesant Ave, Union, NJ, 07083A5.0 ★Texas Ratio: 7.29% at 6.25%, and Union County Savings Bank Elizabeth, NJUnion County Savings Bank Elizabeth, NJ642 Chestnut St, Union, NJ, 07083A+5.0 ★ at 6.25%.

Mortgage rates in Union, New Jersey (NJ) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.

Mortgage Rates reflect actual verified offers from lenders actively lending to New Jersey borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 22, 2026

Union, NJ Mortgage Rate Trends

Compare local Union, NJ mortgage rate quotes against the statewide average

Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full New Jersey Trends →
30-Year Fixed — NJ Avg
6.340%
▲ 0.744 from last week

For buyers in Union, NJ, the broader New Jersey 30-year fixed average mortgage rate rose 0.744 points this week to 6.340%, according to MonitorBankRates trend data.

15-Year Fixed — NJ Avg
6.038%
▲ 0.606 from last week

For buyers in Union, NJ, the broader New Jersey 15-year fixed average mortgage rate rose 0.606 points this week to 6.038%, according to MonitorBankRates trend data.

As of Mar 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Mortgage Rates Today in Union, New Jersey & the Surrounding Area

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1305 Morris Ave, Union, NJ, 07083
30 Year Fixed Rate Affordable Mortgage
5.25%
5.25%
View
▼
Rate5.25%
APR5.25%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1305 Morris Ave, Union, NJ, 07083
30 Year Fixed Rate Affordable Mortgage
5.25%
5.30%
View
▼
Rate5.25%
APR5.30%
Points0.000
UpdatedMar 13, 2026
Details

Quoted rates include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. Affordable Mortgage Program available for Residential First Mortgage loans for owner-occupied primary 1 to 2-family residences for those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York and either: (a.) are purchasing or refinancing a home in a low or moderate-income (LMI) census tract OR (b.) whose income is less than 80% of the county median income.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
30 Year Fixed Rate
5.75%
5.78%
View
▼
Rate5.75%
APR5.78%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1305 Morris Ave, Union, NJ, 07083
30 Year Fixed Rate
5.88%
5.93%
View
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
30 Year Fixed Rate
6.00%
6.03%
View
▼
Rate6.00%
APR6.03%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
2455 Morris Ave, Union, NJ, 07083
30 Year Fixed
6.12%
6.19%
View
▼
Rate6.12%
APR6.19%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
945 Stuyvesant Ave, Union, NJ, 07083
Conforming 30 Year Fixed
6.25%
6.28%
View
▼
Rate6.25%
APR6.28%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
30 Year Fixed Rate
6.25%
6.28%
View
▼
Rate6.25%
APR6.28%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
642 Chestnut St, Union, NJ, 07083
30 Year Fixed
6.25%
6.28%
View
▼
Rate6.25%
APR6.28%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
2441a Route 22 W, Union, NJ, 07083
30-Year Fixed Rate
6.25%
6.35%
View
▼
Rate6.25%
APR6.35%
Points0.500
UpdatedMar 18, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
2441a Route 22 W, Union, NJ, 07083
30-Year Fixed Rate
6.38%
6.46%
View
▼
Rate6.38%
APR6.46%
Points0.375
UpdatedMar 18, 2026
Details

Rates shown include 0.125% autopay and paperless discount.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
30 Year Fixed Rate
6.50%
6.53%
View
▼
Rate6.50%
APR6.53%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
Investment Property 30 Year Fixed
6.62%
6.67%
View
▼
Rate6.62%
APR6.67%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
30 Year Fixed
6.62%
6.69%
View
▼
Rate6.62%
APR6.69%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ, 07052
30 Year Fixed
30
5.25%
5.57%
View
▼
Rate5.25%
APR5.57%
Points3.000
UpdatedMar 17, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
500 Boulevard Of Americas, Lakewood, NJ, 08701
30 Year Fixed - Affordable Housing Program3
5.50%
5.59%
View
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ, 07052
30 Year Fixed
30
5.55%
5.73%
View
▼
Rate5.55%
APR5.73%
Points2.000
UpdatedMar 17, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
30 Year Mortgage
30 Year
5.69%
5.75%
View
▼
Rate5.69%
APR5.75%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ, 07052
30 Year Fixed
30
5.75%
5.89%
View
▼
Rate5.75%
APR5.89%
Points1.000
UpdatedMar 17, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1039 S Orange Ave, Bogota, NJ, 07054
30-Year Fixed
30
5.88%
5.91%
View
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
500 Boulevard Of Americas, Lakewood, NJ, 08701
30 Year Fixed
5.88%
5.97%
View
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
135 N Washington Ave, Bergenfield, NJ, 07035
30 Year Fixed
5.88%
5.99%
View
▼
Rate5.88%
APR5.99%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
30-Year Fixed Mortgage
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details

As Low As; POINTS MAY APPLY

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
30 Year Fixed - Conforming
5.88%
6.03%
View
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ, 07052
30 Year Fixed
30
6.00%
6.05%
View
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
220 Livingston St, Northvale, NJ, 07446
30 Year Mortgages
5.99%
6.05%
View
▼
Rate5.99%
APR6.05%
Points0.000
UpdatedMar 22, 2026
Details

Purchase

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
220 Livingston St, Northvale, NJ, 07446
30 Year Mortgages Purchase
5.99%
6.05%
View
▼
Rate5.99%
APR6.05%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
558 Summit Ave, Jersey City, NJ, 07106
30 Year Fixed
5.99%
6.05%
View
▼
Rate5.99%
APR6.05%
Points0.000
UpdatedMar 21, 2026
Details

As Low As

Schuyler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
201 Frank E Rodgers Blvd N, Harrison, NJ, 07029
30 Year Fixed Rate
5.99%
6.05%
View
▼
Rate5.99%
APR6.05%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
30-Year Fixed
30-Year Term
5.88%
6.06%
View
▼
Rate5.88%
APR6.06%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
108 Marlton Pike E, Cherry Hill, NJ, 08034
30-Year Fixed
6.00%
6.07%
View
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
1360 Route 9, Freehold, NJ, 07728
30 Year Fixed Conforming
30 Year
6.00%
6.08%
View
▼
Rate6.00%
APR6.08%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Blairstown, NJ, 07825
30 Year Fixed Monthly
5.88%
6.09%
View
▼
Rate5.88%
APR6.09%
Points1.000
UpdatedMar 18, 2026
Details

No additional details available.

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
135 N Washington Ave, Bergenfield, NJ, 07605
30 Year Fixed
6.00%
6.10%
View
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1055 Clifton Ave, Basking Ridge, NJ, 07006
30 Year Fixed Rate
360
6.00%
6.11%
View
▼
Rate6.00%
APR6.11%
Points0.000
UpdatedMar 20, 2026
Details

APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
558 Summit Ave, Jersey City, NJ, 07106
30 Year Fixed
5.99%
6.13%
View
▼
Rate5.99%
APR6.13%
Points0.000
UpdatedMar 21, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
30 Year Fixed
30
6.00%
6.16%
View
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details

As Low As

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
477 Jeremiah Ave, Trenton, NJ, 08610
30-Year Fixed
6.12%
6.17%
View
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedMar 21, 2026
Details

As Low As

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1010 Bayshore Rd, Cape May, NJ, 08204
30 Year Fixed Rate Mortgage Purchase
6.12%
6.18%
View
▼
Rate6.12%
APR6.18%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1010 Bayshore Rd, Cape May, NJ, 08204
30 Year Fixed Rate Mortgage Refinance
6.12%
6.18%
View
▼
Rate6.12%
APR6.18%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
561 Route 1, Edison, NJ, 08817
30-year fixed mortgage
6.22%
6.22%
View
▼
Rate6.22%
APR6.22%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Blairstown, NJ, 07825
30 Year Fixed Monthly
6.12%
6.25%
View
▼
Rate6.12%
APR6.25%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1039 S Orange Ave, Bogota, NJ, 07054
30-Year Fixed
30
6.25%
6.25%
View
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1615 Route 9 N, Cape May Court House, NJ, 08210
30 Year Fixed Rate
30 Year
6.25%
6.29%
View
▼
Rate6.25%
APR6.29%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1039 S Orange Ave, Bogota, NJ, 07054
Super Conforming Loans 30-Year Fixed
30
6.12%
6.29%
View
▼
Rate6.12%
APR6.29%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
1 Market St Ste 2b, Atco, NJ, 08004
30-Year Fixed
360
6.12%
6.33%
View
▼
Rate6.12%
APR6.33%
Points0.991
UpdatedMar 22, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
30 Year Fixed
6.38%
6.41%
View
▼
Rate6.38%
APR6.41%
Points0.000
UpdatedMar 22, 2026
Details

As Low As

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
30 Year Fixed (HomeReady®)*
6.38%
6.41%
View
▼
Rate6.38%
APR6.41%
Points0.000
UpdatedMar 22, 2026
Details

As Low As

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
444 Hoes Ln, Piscataway, NJ, 08854
30 Year Fixed Rate
6.38%
6.41%
View
▼
Rate6.38%
APR6.41%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ, 07928
30 Year Fixed Rate
6.38%
6.44%
View
▼
Rate6.38%
APR6.44%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1305 Morris Ave, Union, NJ, 07083
15 Year Fixed Rate
5.38%
5.47%
View
▼
Rate5.38%
APR5.47%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
15 Year Fixed Rate
5.50%
5.55%
View
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
2455 Morris Ave, Union, NJ, 07083
15 Year Fixed
5.49%
5.59%
View
▼
Rate5.49%
APR5.59%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
2441a Route 22 W, Union, NJ, 07083
15-Year Fixed Rate
5.62%
5.76%
View
▼
Rate5.62%
APR5.76%
Points0.375
UpdatedMar 18, 2026
Details

Rates shown include 0.125% autopay and paperless discount.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
2441a Route 22 W, Union, NJ, 07083
15-Year Fixed Rate
5.62%
5.77%
View
▼
Rate5.62%
APR5.77%
Points0.375
UpdatedMar 18, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
15 Year Fixed Rate
5.75%
5.80%
View
▼
Rate5.75%
APR5.80%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
945 Stuyvesant Ave, Union, NJ, 07083
Conforming 15 Year Fixed
5.88%
5.92%
View
▼
Rate5.88%
APR5.92%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
642 Chestnut St, Union, NJ, 07083
15 Year Fixed
5.88%
5.93%
View
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
15 Year Fixed Rate
6.00%
6.05%
View
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
15 Year Fixed Rate
6.25%
6.30%
View
▼
Rate6.25%
APR6.30%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
Investment Property 15 Year Fixed
7.00%
7.01%
View
▼
Rate7.00%
APR7.01%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
15 Year Fixed
7.00%
7.14%
View
▼
Rate7.00%
APR7.14%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed
15
4.88%
5.16%
View
▼
Rate4.88%
APR5.16%
Points1.500
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Rate
4.88%
5.18%
View
▼
Rate4.88%
APR5.18%
Points1.500
UpdatedMar 21, 2026
Details

No additional details available.

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1010 Bayshore Rd, Cape May, NJ, 08204
15 Year Fixed Rate Mortgage Purchase
5.12%
5.21%
View
▼
Rate5.12%
APR5.21%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
1010 Bayshore Rd, Cape May, NJ, 08204
15 Year Fixed Rate Mortgage Refinance
5.12%
5.21%
View
▼
Rate5.12%
APR5.21%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed
15
5.00%
5.23%
View
▼
Rate5.00%
APR5.23%
Points1.125
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Rate
5.00%
5.25%
View
▼
Rate5.00%
APR5.25%
Points1.125
UpdatedMar 21, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ, 07052
15 Year Fixed
15
4.75%
5.29%
View
▼
Rate4.75%
APR5.29%
Points3.000
UpdatedMar 17, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed
15
5.12%
5.30%
View
▼
Rate5.12%
APR5.30%
Points0.750
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Rate
5.12%
5.32%
View
▼
Rate5.12%
APR5.32%
Points0.750
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed
15
5.25%
5.37%
View
▼
Rate5.25%
APR5.37%
Points0.375
UpdatedMar 21, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
15-Year Fixed Mortgage
5.38%
5.38%
View
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details

As Low As; POINTS MAY APPLY

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Rate
5.25%
5.38%
View
▼
Rate5.25%
APR5.38%
Points0.375
UpdatedMar 21, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ, 07052
15 Year Fixed
15
5.00%
5.39%
View
▼
Rate5.00%
APR5.39%
Points2.000
UpdatedMar 17, 2026
Details

No additional details available.

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
135 N Washington Ave, Bergenfield, NJ, 07605
15 Year Fixed
5.25%
5.41%
View
▼
Rate5.25%
APR5.41%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed
15
5.38%
5.43%
View
▼
Rate5.38%
APR5.43%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Rate
5.38%
5.45%
View
▼
Rate5.38%
APR5.45%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
558 Summit Ave, Jersey City, NJ, 07106
15 Year Fixed
5.38%
5.47%
View
▼
Rate5.38%
APR5.47%
Points0.000
UpdatedMar 21, 2026
Details

As Low As

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ, 07052
15 Year Fixed
15
5.25%
5.48%
View
▼
Rate5.25%
APR5.48%
Points1.000
UpdatedMar 17, 2026
Details

No additional details available.

1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
1615 Route 9 N, Cape May Court House, NJ, 08210
15 Year Fixed Rate
15 Year
5.50%
5.55%
View
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
135 N Washington Ave, Bergenfield, NJ, 07035
15 Year Fixed
5.38%
5.56%
View
▼
Rate5.38%
APR5.56%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
175 Rock Rd, Glen Rock, NJ, 07052
15 Year Fixed
15
5.50%
5.58%
View
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
108 Marlton Pike E, Cherry Hill, NJ, 08034
15-Year Fixed
5.50%
5.60%
View
▼
Rate5.50%
APR5.60%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Selfreliance Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
558 Summit Ave, Jersey City, NJ, 07106
15 Year Fixed
5.38%
5.60%
View
▼
Rate5.38%
APR5.60%
Points0.000
UpdatedMar 21, 2026
Details

As Low As

Schuyler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
201 Frank E Rodgers Blvd N, Harrison, NJ, 07029
15 Year Fixed Rate
5.50%
5.61%
View
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
15 Year Fixed - Conforming
5.38%
5.63%
View
▼
Rate5.38%
APR5.63%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
15 Year Fixed
15
5.38%
5.65%
View
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details

As Low As

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
200 S LAUREL AVE, HAZLET, NJ, 07724
15-Year Fixed Mortgage
15-Year
5.62%
5.66%
View
▼
Rate5.62%
APR5.66%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
15-Year Fixed
15-Year Term
5.38%
5.67%
View
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
1055 Clifton Ave, Basking Ridge, NJ, 07006
15 Year Fixed Rate
180
5.50%
5.68%
View
▼
Rate5.50%
APR5.68%
Points0.000
UpdatedMar 20, 2026
Details

APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Blairstown, NJ, 07825
15 Year Fixed Monthly
5.50%
5.70%
View
▼
Rate5.50%
APR5.70%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ, 07928
15 Year Fixed Rate
5.62%
5.72%
View
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
1301 Hope Bridgeville Rd, Blairstown, NJ, 07825
15 Year Fixed Monthly
5.38%
5.72%
View
▼
Rate5.38%
APR5.72%
Points1.000
UpdatedMar 18, 2026
Details

No additional details available.

First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
1360 Route 9, Freehold, NJ, 07728
15 Year Fixed Conforming
15 Year
5.62%
5.75%
View
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1039 S Orange Ave, Bogota, NJ, 07054
15-Year Fixed
15
5.50%
5.76%
View
▼
Rate5.50%
APR5.76%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
500 Boulevard Of Americas, Lakewood, NJ, 08701
15 Year Fixed
5.62%
5.78%
View
▼
Rate5.62%
APR5.78%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
1 Market St Ste 2b, Atco, NJ, 08004
15-Year Fixed
180
5.49%
5.80%
View
▼
Rate5.49%
APR5.80%
Points0.901
UpdatedMar 22, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1039 S Orange Ave, Bogota, NJ, 07054
15-Year Fixed
15
5.88%
5.88%
View
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
407 Main St, Chatham, NJ, 07928
15 Year Fixed Rate
5.75%
5.88%
View
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
2455 Morris Ave, Union, NJ, 07083
5/6 ARM
5.25%
5.61%
View
▼
Rate5.25%
APR5.61%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
2455 Morris Ave, Union, NJ, 07083
7/6 ARM
5.38%
5.70%
View
▼
Rate5.38%
APR5.70%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
945 Stuyvesant Ave, Union, NJ, 07083
15 Year Fixed Super/Conforming
6.50%
5.77%
View
▼
Rate6.50%
APR5.77%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
642 Chestnut St, Union, NJ, 07083
7/1/30 ARM
5.50%
5.78%
View
▼
Rate5.50%
APR5.78%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
642 Chestnut St, Union, NJ, 07083
5/1/30 ARM
5.38%
5.79%
View
▼
Rate5.38%
APR5.79%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
5/1/30 Year ARM HomeHelper
4.88%
5.82%
View
▼
Rate4.88%
APR5.82%
Points0.000
UpdatedMar 21, 2026
Details

Up To $832,750

Union County Savings Bank Elizabeth, NJ
Institution Rating:
A+5.0 ★
642 Chestnut St, Union, NJ, 07083
3/1/30 ARM
5.38%
5.88%
View
▼
Rate5.38%
APR5.88%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
5/5/30 Year Adjustable Rate
5.38%
5.94%
View
▼
Rate5.38%
APR5.94%
Points0.000
UpdatedMar 21, 2026
Details

Up To $832,750

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
5/1/30 Year Adjustable Rate
5.12%
6.00%
View
▼
Rate5.12%
APR6.00%
Points0.000
UpdatedMar 21, 2026
Details

Up To $832,750

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
5/5/30 Year Adjustable Rate
5.62%
6.04%
View
▼
Rate5.62%
APR6.04%
Points0.000
UpdatedMar 21, 2026
Details

Between $832,751-$1,000,000

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
1-4 Units, Adjustable Rate
5 years
5.38%
6.04%
View
▼
Rate5.38%
APR6.04%
Points0.000
UpdatedMar 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
5/1/30 Year Adjustable Rate
5.38%
6.09%
View
▼
Rate5.38%
APR6.09%
Points0.000
UpdatedMar 21, 2026
Details

Between $832,751 - $1,000,000

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
5/5/30 Year Adjustable Rate
5.88%
6.13%
View
▼
Rate5.88%
APR6.13%
Points0.000
UpdatedMar 21, 2026
Details

Between $1,000,001-$1,500,000

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1305 Morris Ave, Union, NJ, 07083
7/6/30 ARM
5.38%
6.15%
View
▼
Rate5.38%
APR6.15%
Points0.000
UpdatedMar 13, 2026
Details

Example based on $400,000 loan amount with 84 payments of $2,271.16, 275 payments of $2,538.08 and 1 final payment of $2,522.83.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
7/1/30 Year ARM HomeHelper
5.88%
6.15%
View
▼
Rate5.88%
APR6.15%
Points0.000
UpdatedMar 21, 2026
Details

Up To 832,750

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
1-4 Family Properties, Adjustable Rate
1 year
7.00%
6.15%
View
▼
Rate7.00%
APR6.15%
Points0.000
UpdatedMar 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
1-4 Units, Adjustable Rate
3 years
5.38%
6.17%
View
▼
Rate5.38%
APR6.17%
Points0.000
UpdatedMar 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
5/1/30 Year Adjustable Rate
5.62%
6.18%
View
▼
Rate5.62%
APR6.18%
Points0.000
UpdatedMar 21, 2026
Details

Between $1,000,001-$1,500,000

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
1-4 Family Properties, Adjustable Rate
5 years
5.38%
6.21%
View
▼
Rate5.38%
APR6.21%
Points0.000
UpdatedMar 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
5/5/30 Year Adjustable Rate
6.12%
6.23%
View
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 21, 2026
Details

Between $1,500,001 -$2,000,000

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
1305 Morris Ave, Union, NJ, 07083
5/6/30 ARM
5.25%
6.26%
View
▼
Rate5.25%
APR6.26%
Points0.000
UpdatedMar 13, 2026
Details

Example based on $400,000 loan amount with 60 payments of $2,239.88, 299 payments of $2,551.02 and 1 final payment of $2,537.03.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
1-4 Family Properties, Adjustable Rate
3 years
5.38%
6.28%
View
▼
Rate5.38%
APR6.28%
Points0.000
UpdatedMar 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
1-4 Family Properties, Adjustable Rate
7 years
5.88%
6.28%
View
▼
Rate5.88%
APR6.28%
Points0.000
UpdatedMar 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
5/1/30 Year Adjustable Rate
5.88%
6.28%
View
▼
Rate5.88%
APR6.28%
Points0.000
UpdatedMar 21, 2026
Details

Between $1,500,001 - $2,000,000

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
5-8 Units, Adjustable Rate
5 years
5.75%
6.29%
View
▼
Rate5.75%
APR6.29%
Points0.000
UpdatedMar 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
7/1/30 Year Adjustable Rate
6.12%
6.34%
View
▼
Rate6.12%
APR6.34%
Points0.000
UpdatedMar 21, 2026
Details

Up To $832,750

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
5-8 Units, Adjustable Rate
3 years
5.75%
6.42%
View
▼
Rate5.75%
APR6.42%
Points0.000
UpdatedMar 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
7/1/30 Year Adjustable Rate
6.38%
6.47%
View
▼
Rate6.38%
APR6.47%
Points0.000
UpdatedMar 21, 2026
Details

Between $832,751-$1,000,000

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
1-4 Family Properties, Adjustable Rate
10 years
6.50%
6.50%
View
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedMar 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
10/1/30 Year Adjustable Rate
6.50%
6.54%
View
▼
Rate6.50%
APR6.54%
Points0.000
UpdatedMar 21, 2026
Details

Up To $832,750

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
7/1/30 Year Adjustable Rate
6.62%
6.60%
View
▼
Rate6.62%
APR6.60%
Points0.000
UpdatedMar 21, 2026
Details

$1,000,001-$1,500,000

Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
945 Stuyvesant Ave, Union, NJ, 07083
30 Year Fixed Super/Conforming
6.62%
6.64%
View
▼
Rate6.62%
APR6.64%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
10/1/30 Year Adjustable Rate
6.75%
6.70%
View
▼
Rate6.75%
APR6.70%
Points0.000
UpdatedMar 21, 2026
Details

Between $832,751-$1,000,000

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
7/1/30 Year Adjustable Rate
6.88%
6.73%
View
▼
Rate6.88%
APR6.73%
Points0.000
UpdatedMar 21, 2026
Details

Between $1,500,001-$2,000,000

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
Investment Property 5/1/30 Year ARM
6.00%
6.86%
View
▼
Rate6.00%
APR6.86%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
10/1/30 Year Adjustable Rate
7.00%
6.87%
View
▼
Rate7.00%
APR6.87%
Points0.000
UpdatedMar 21, 2026
Details

Between $1,000,001-$1,500,000

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
5/1/30 Year ARM
6.00%
6.88%
View
▼
Rate6.00%
APR6.88%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
1-4 Units, Adjustable Rate
1 year
7.00%
7.00%
View
▼
Rate7.00%
APR7.00%
Points0.000
UpdatedMar 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
10/1/30 Year Adjustable Rate
7.25%
7.04%
View
▼
Rate7.25%
APR7.04%
Points0.000
UpdatedMar 21, 2026
Details

Between $1,500,001 - $2,000,000

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
Investment Property 7/1/30 Year ARM
6.88%
7.16%
View
▼
Rate6.88%
APR7.16%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
1350 Galloping Hill Rd Spc 2, Union, NJ, 07083
7/1/30 Year ARM
6.88%
7.18%
View
▼
Rate6.88%
APR7.18%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
667 Chestnut St, Union, NJ, 07083
5-8 Units, Adjustable Rate
1 year
7.38%
7.25%
View
▼
Rate7.38%
APR7.25%
Points0.000
UpdatedMar 21, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan characteristics.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
500 Boulevard Of Americas, Lakewood, NJ, 08701
7/1 ARM2 - Affordable Housing Program3
4.88%
5.46%
View
▼
Rate4.88%
APR5.46%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
7 Year Adjustable (ARM)
5.62%
5.70%
View
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedMar 22, 2026
Details

As Low As

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
500 Boulevard Of Americas, Lakewood, NJ, 08701
7/1 ARM2
5.38%
5.71%
View
▼
Rate5.38%
APR5.71%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
500 Boulevard Of Americas, Lakewood, NJ, 08701
5/1 ARM2
5.25%
5.72%
View
▼
Rate5.25%
APR5.72%
Points0.000
UpdatedMar 13, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
5 Year Adjustable (ARM)
5.75%
5.83%
View
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 22, 2026
Details

As Low As

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
7/1
30-Year Term
5.38%
5.86%
View
▼
Rate5.38%
APR5.86%
Points0.000
UpdatedMar 17, 2026
Details

Fixed for 7 years and then adjusts yearly.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
100 Metro Blvd, Nutley, NJ, 07110
7/1 Adjustable Rate
30-Year Term
5.38%
5.86%
View
▼
Rate5.38%
APR5.86%
Points0.000
UpdatedMar 17, 2026
Details

Fixed for 7 years and then adjusts yearly.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
Jumbo Loans 5 Year Adjustable (ARM)
5.88%
5.88%
View
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedMar 22, 2026
Details

As Low As

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Jumbo
15
4.88%
5.12%
View
▼
Rate4.88%
APR5.12%
Points1.500
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Rate Jumbo
4.88%
5.12%
View
▼
Rate4.88%
APR5.12%
Points1.500
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Jumbo
15
5.00%
5.19%
View
▼
Rate5.00%
APR5.19%
Points1.125
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Rate Jumbo
5.00%
5.19%
View
▼
Rate5.00%
APR5.19%
Points1.125
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Jumbo
15
5.12%
5.26%
View
▼
Rate5.12%
APR5.26%
Points0.750
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Rate Jumbo
5.12%
5.26%
View
▼
Rate5.12%
APR5.26%
Points0.750
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Jumbo
15
5.25%
5.32%
View
▼
Rate5.25%
APR5.32%
Points0.375
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Rate Jumbo
5.25%
5.33%
View
▼
Rate5.25%
APR5.33%
Points0.375
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Jumbo
15
5.38%
5.39%
View
▼
Rate5.38%
APR5.39%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
237 Route 73 S, Maple Shade, NJ, 08012 1497
15-Year Fixed Rate Jumbo
5.38%
5.39%
View
▼
Rate5.38%
APR5.39%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
15 Year Jumbo
15 Year Jumbo
5.60%
5.62%
View
▼
Rate5.60%
APR5.62%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
15 Year Jumbo Mortgage
15 Year Jumbo
5.60%
5.62%
View
▼
Rate5.60%
APR5.62%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
Jumbo Loans 10 Year Fixed
5.75%
5.77%
View
▼
Rate5.75%
APR5.77%
Points0.000
UpdatedMar 22, 2026
Details

As Low As

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1000 Route 202 S, Branchburg, NJ, 08807
15 Year Jumbo - Loan Amount
15
5.88%
5.91%
View
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedMar 20, 2026
Details

$832,751-$2,000,000

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1000 Route 202 S, Branchburg, NJ, 08807
10 Year Jumbo - Loan Amount
10
5.88%
5.93%
View
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedMar 20, 2026
Details

$832,751-$2,000,000

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1000 Route 202 S, Branchburg, NJ, 08807
15 Year Jumbo - Loan Amount
15
5.75%
5.95%
View
▼
Rate5.75%
APR5.95%
Points1.000
UpdatedMar 20, 2026
Details

$832,751-$2,000,000

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
Jumbo Loans 20 Year Fixed
6.00%
6.01%
View
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 22, 2026
Details

As Low As

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
Jumbo Loans 15 Year Fixed
6.00%
6.01%
View
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 22, 2026
Details

As Low As

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1000 Route 202 S, Branchburg, NJ, 08807
10 Year Jumbo - Loan Amount
10
5.75%
6.03%
View
▼
Rate5.75%
APR6.03%
Points1.000
UpdatedMar 20, 2026
Details

$832,751-$2,000,000

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
120 Windsor Center Dr, East Windsor, NJ, 08520
Jumbo Loan
5.88%
6.03%
View
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1039 S Orange Ave, Bogota, NJ, 07054
Jumbo Loans 10-Year Fixed
10
5.75%
6.12%
View
▼
Rate5.75%
APR6.12%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1039 S Orange Ave, Bogota, NJ, 07054
Jumbo Loans 15-Year Fixed
15
5.88%
6.14%
View
▼
Rate5.88%
APR6.14%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1039 S Orange Ave, Bogota, NJ, 07054
Jumbo Loans 20-Year Fixed
20
6.00%
6.21%
View
▼
Rate6.00%
APR6.21%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
1 Corporate Dr, Wayne, NJ, 07470 3112
Jumbo Loans 30 Year Fixed
6.25%
6.26%
View
▼
Rate6.25%
APR6.26%
Points0.000
UpdatedMar 22, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1 Becton Dr, Franklin Lakes, NJ, 07417 1815
Jumbo 30 Year Fixed
30
6.12%
6.26%
View
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
220 Livingston St, Northvale, NJ, 07446
First Mortgage, Jumbo (30 Year)
6.25%
6.26%
View
▼
Rate6.25%
APR6.26%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1000 Route 202 S, Branchburg, NJ, 08807
20 Year Jumbo - Loan Amount
20
6.25%
6.28%
View
▼
Rate6.25%
APR6.28%
Points0.000
UpdatedMar 20, 2026
Details

$832,751-$2,000,000

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1000 Route 202 S, Branchburg, NJ, 08807
20 Year Jumbo - Loan Amount
20
6.12%
6.28%
View
▼
Rate6.12%
APR6.28%
Points1.000
UpdatedMar 20, 2026
Details

$832,751-$2,000,000

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1039 S Orange Ave, Bogota, NJ, 07054
Jumbo Loans 25-Year Fixed
25
6.12%
6.31%
View
▼
Rate6.12%
APR6.31%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1000 Route 202 S, Branchburg, NJ, 08807
30 Year Jumbo - Loan Amount
30
6.25%
6.37%
View
▼
Rate6.25%
APR6.37%
Points1.000
UpdatedMar 20, 2026
Details

$832,751-$2,000,000

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
30 Year Jumbo
30 Year Jumbo
6.37%
6.38%
View
▼
Rate6.37%
APR6.38%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
30 Year Jumbo Mortgage
30 Year Jumbo
6.37%
6.38%
View
▼
Rate6.37%
APR6.38%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
1000 Route 202 S, Branchburg, NJ, 08807
30 Year Jumbo - Loan Amount
30
6.38%
6.40%
View
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedMar 20, 2026
Details

$832,751-$2,000,000

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
1039 S Orange Ave, Bogota, NJ, 07054
Jumbo Loans 30-Year Fixed
30
6.25%
6.41%
View
▼
Rate6.25%
APR6.41%
Points0.000
UpdatedMar 18, 2026
Details

No additional details available.

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Jumbo 30 Year Fixed
6.75%
6.85%
View
▼
Rate6.75%
APR6.85%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
1 Market St Ste 2b, Atco, NJ, 08004
30-Year Jumbo
360
7.08%
7.22%
View
▼
Rate7.08%
APR7.22%
Points0.866
UpdatedMar 22, 2026
Details

No additional details available.

XCEL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
1460 Broad St, Bloomfield, NJ, 07003
Jumbo 15 Year Fixed
7.12%
7.29%
View
▼
Rate7.12%
APR7.29%
Points0.000
UpdatedMar 22, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.91%
501 Baltimore St, Phillipsburg, NJ, 08865 1845
Mortgage - FHA
30 Years
5.88%
6.24%
View
▼
Rate5.88%
APR6.24%
Points0.000
UpdatedMar 18, 2026
Details

As Low As; Subject to credit approval. Rates, terms, and information are subject to change at any time. Rates offered are dependent on credit score at application. Rates are locked for 60 days. Loans with less than 20% down payment will require private mortgage insurance. NMLS 595144

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Camden, NJ, 08093
30 Year FHA Fixed
5.50%
6.37%
View
▼
Rate5.50%
APR6.37%
Points1.000
UpdatedMar 17, 2026
Details

No additional details available.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
120 Windsor Center Dr, East Windsor, NJ, 08520
FHA Loan
5.50%
6.41%
View
▼
Rate5.50%
APR6.41%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
15 Year FHA
15 Year FHA
5.62%
6.50%
View
▼
Rate5.62%
APR6.50%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
15 Year FHA Mortgage
15 Year FHA
5.62%
6.50%
View
▼
Rate5.62%
APR6.50%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
30 Year FHA
30 Year FHA
5.75%
6.59%
View
▼
Rate5.75%
APR6.59%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
30 Year FHA Mortgage
30 Year FHA
5.75%
6.59%
View
▼
Rate5.75%
APR6.59%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
1040 Haddon Ave, Camden, NJ, 08093
30 Year FHA Fixed
5.88%
6.66%
View
▼
Rate5.88%
APR6.66%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
108 Marlton Pike E, Cherry Hill, NJ, 08034
30-Year FHA Fixed
5.88%
6.72%
View
▼
Rate5.88%
APR6.72%
Points0.000
UpdatedMar 20, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
1 Market St Ste 2b, Atco, NJ, 08004
30-Year FHA
360
6.00%
7.22%
View
▼
Rate6.00%
APR7.22%
Points0.769
UpdatedMar 22, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
120 Windsor Center Dr, East Windsor, NJ, 08520
VA Loan
5.50%
5.81%
View
▼
Rate5.50%
APR5.81%
Points0.000
UpdatedMar 21, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
100 Haddonfield Rd, Cherry Hill, NJ, 08002 4402
30 Year VA Mortgage
30 Year VA
5.75%
6.59%
View
▼
Rate5.75%
APR6.59%
Points0.000
UpdatedMar 17, 2026
Details

No additional details available.

The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

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Methodology & Data Sources

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Union, New Jersey directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Union, New Jersey. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in NJ.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.

Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.

Frequently Asked Questions about Mortgage Rates in Union, New Jersey

How does my credit score affect my rate in New Jersey?

Your credit score is a major factor. Generally, borrowers in Union, New Jersey with higher credit scores (760+) receive the lowest interest rates.

What is a 30-Year Fixed Mortgage?

A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in New Jersey because it offers lower monthly payments compared to shorter-term loans.

What are closing costs in New Jersey?

Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In New Jersey, these may include appraisal fees, title insurance, and recording fees.

Should I lock my mortgage rate?

If you are satisfied with the current rate and worried rates might rise before closing on your home in Union, New Jersey, locking your rate is a good idea. It guarantees your rate for a specific period.

What is an Adjustable-Rate Mortgage (ARM)?

An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.

What is a Jumbo Loan in Union, New Jersey?

A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of New Jersey, these limits are higher. These loans typically require stronger credit and larger down payments.

Do I need 20% down to buy a house in New Jersey?

No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Union, New Jersey offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.

What is the difference between Interest Rate and APR?

The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.

How do I find the best lender in Union, New Jersey?

Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.

What are the best Mortgage rates in Union, New Jersey?

  • Northfield Bank: 5.25% (30 Year Fixed Rate Affordable Mortgage)
  • Spencer Savings Bank: 5.75% (30 Year Fixed Rate)
  • ConnectOne Bank: 6.12% (30 Year Fixed)
  • Unity Bank: 6.25% (Conforming 30 Year Fixed)
  • Union County Savings Bank Elizabeth, NJ: 6.25% (30 Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to New Jersey borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 22, 2026

Union, New Jersey Rates & Resources

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