What people paid for mortgages in Atlantic County, NJ (2025)
Across 2,117 closed home-purchase loans in 2025, the median interest rate in Atlantic was 6.625%, and the middle half of borrowers got between 6.25% and 6.875%. Median total loan costs ran $6,112 on a median loan of $305,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.625%
- Middle half of rates
- 6.25%–6.875%
- Median total loan costs
- $6,112
- Median loan amount
- $305,000
2,117 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $7,816
- Median loan amount
- $265,000
1,009 loans, 2025.
Lowest median rates in Atlantic (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.OceanFirst Bank, National Association6.25%104 loans, median costs $3,903
- 2.DHI MORTGAGE COMPANY, LTD.6.375%95 loans, median costs $5,967
- 3.Loandepot.Com, LLC6.575%52 loans, median costs $5,687
- 4.AFFORDABLE MORTGAGE ADVISORS, LLC.6.625%296 loans, median costs $5,403
- 5.Advisors Mortgage Group, L.L.C.6.625%203 loans, median costs $5,478
Among lenders with at least 30 closed purchase loans in Atlantic County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.99%77 loans, median costs $12,261
- 2.PENNYMAC LOAN SERVICES, LLC5.99%42 loans, median costs $8,484
- 3.Loandepot.Com, LLC5.99%35 loans, median costs $10,790
- 4.Rocket Mortgage, LLC6.25%155 loans, median costs $8,295
- 5.FREEDOM MORTGAGE CORPORATION6.25%42 loans, median costs $11,222
Among lenders with at least 30 closed refinance loans in Atlantic County in 2025.
Lender by lender in Atlantic
Every lender that closed at least 5 qualifying loans in Atlantic County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | AFFORDABLE MORTGAGE ADVISORS, LLC. | 296 | 6.625% | $5,403 | $1,550 | $2,501 |
| 2 | Advisors Mortgage Group, L.L.C. | 203 | 6.625% | $5,478 | $1,395 | $1,605 |
| 3 | CROSSCOUNTRY MORTGAGE, INC. | 112 | 6.625% | $7,622 | $2,617 | $2,663 |
| 4 | NATION ONE MORTGAGE CORPORATION | 111 | 6.625% | $16,721 | $4,381 | $4,049 |
| 5 | OceanFirst Bank, National Association | 104 | 6.25% | $3,903 | $820 | n/a |
| 6 | DHI MORTGAGE COMPANY, LTD. | 95 | 6.375% | $5,967 | $1,795 | $2,134 |
| 7 | GUARANTEED RATE, INC. | 70 | 6.625% | $5,971 | $1,790 | $1,404 |
| 8 | Prosperity Home Mortgage, LLC | 67 | 6.75% | $5,348 | $1,575 | $2,063 |
| 9 | Loandepot.Com, LLC | 52 | 6.575% | $5,687 | $1,909 | $1,273 |
| 10 | Rocket Mortgage, LLC | 49 | 6.625% | $6,112 | $3,150 | $2,840 |
| 11 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 45 | 6.625% | $7,223 | $2,695 | $2,179 |
| 12 | CMG MORTGAGE, INC. | 40 | 6.625% | $6,442 | $2,178 | $1,244 |
| 13 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 32 | 6.75% | $8,206 | $3,454 | $2,871 |
| 14 | UNION HOME MORTGAGE CORP. | 31 | 6.625% | $7,596 | $2,782 | $1,682 |
| 15 | PENNYMAC LOAN SERVICES, LLC | 28 | 6.562% | $8,613 | $1,895 | $3,892 |
| 16 | Mortgage Research Center, LLC | 26 | 6.25% | $7,640 | $2,345 | $685 |
| 17 | MERIDIAN BANK | 25 | 6.625% | $7,869 | $2,790 | $2,592 |
| 18 | U.S. Bank National Association | 25 | 6.49% | $4,919 | $1,680 | $550 |
| 19 | TD Bank, National Association | 24 | 6.91% | $6,608 | $3,488 | $1,813 |
| 20 | Broker Solutions, Inc. | 23 | 6.99% | $5,009 | $1,495 | $2,394 |
| 21 | NFM, INC. | 23 | 6.625% | $6,554 | $1,895 | $2,090 |
| 22 | Fulton Bank, National Association | 23 | 6.625% | $7,526 | $1,999 | $642 |
| 23 | ABSOLUTE HOME MORTGAGE CORPORATION | 22 | 6.562% | $5,400 | $1,595 | $5,589 |
| 24 | NEWREZ LLC | 22 | 6.562% | $6,274 | $1,912 | $1,353 |
| 25 | Wells Fargo Bank, National Association | 20 | 6.375% | $4,867 | $1,732 | $680 |
| 26 | TRIAD FINANCIAL SERVICES, INC. | 19 | 8.58% | n/a | n/a | n/a |
| 27 | EMM LOANS LLC | 19 | 6.625% | $6,637 | $2,840 | $1,500 |
| 28 | JPMorgan Chase Bank, National Association | 18 | 6.438% | $5,319 | $2,056 | $2,086 |
| 29 | Wilmington Savings Fund Society, FSB | 16 | 6.438% | $3,696 | $595 | $1,442 |
| 30 | Navy Federal Credit Union | 15 | 6.375% | $4,092 | $0 | $1,313 |
| 31 | MOVEMENT MORTGAGE, LLC | 15 | 6.75% | $6,427 | $1,695 | $1,564 |
| 32 | Quaint Oak Mortgage, LLC | 15 | 6.375% | $6,434 | $2,078 | $2,800 |
| 33 | Gateway First Bank | 14 | 6.5% | $5,997 | $1,905 | $682 |
| 34 | ALLIED MORTGAGE GROUP, INC. | 14 | 6.75% | $8,439 | $2,950 | $3,278 |
| 35 | Bank of America, National Association | 14 | 6.245% | $4,615 | $1,003 | $2,349 |
| 36 | Citizens Bank, National Association | 13 | 6.625% | $5,547 | $1,400 | $1,335 |
| 37 | Acre Mortgage & Financial, Inc. | 12 | 6.312% | $11,354 | $2,273 | $2,227 |
| 38 | Fairway Independent Mortgage Corporation | 11 | 6.875% | $6,495 | $1,500 | $1,778 |
| 39 | PNC Bank, National Association | 11 | 6% | $5,696 | $2,228 | $1,397 |
| 40 | Truist Bank | 11 | 6.1% | $5,273 | $1,250 | $129 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Atlantic figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Atlantic County in 2025?
The median interest rate on closed home-purchase loans in Atlantic County, New Jersey in 2025 was 6.625%, across 2,117 first-lien, owner-occupied loans. The middle half of borrowers got between 6.25% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.