What people paid for mortgages in Mercer County, NJ (2025)

Across 2,745 closed home-purchase loans in 2025, the median interest rate in Mercer was 6.49%, and the middle half of borrowers got between 6% and 6.85%. Median total loan costs ran $6,857 on a median loan of $405,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.49%
Middle half of rates: 6%–6.85%
Median total loan costs: $6,857
Median loan amount: $405,000

2,745 loans, 2025.

Refinance

Median rate: 6.125%
Middle half of rates: 5.75%–6.625%
Median total loan costs: $7,155
Median loan amount: $335,000

1,268 loans, 2025.

Lowest median rates in Mercer (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.LENNAR MORTGAGE, LLC5.25%173 loans, median costs $6,095
2.OceanFirst Bank, National Association6%65 loans, median costs $4,732
3.Bank of America, National Association6%61 loans, median costs $5,507
4.TD Bank, National Association6%49 loans, median costs $4,962
5.PULTE MORTGAGE LLC6.125%43 loans, median costs $2,961

Among lenders with at least 30 closed purchase loans in Mercer County in 2025.

Refinance

1.Rocket Mortgage, LLC5.99%222 loans, median costs $6,840
2.Loandepot.Com, LLC5.99%40 loans, median costs $8,330
3.PENNYMAC LOAN SERVICES, LLC5.99%38 loans, median costs $9,064
4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%137 loans, median costs $9,127
5.Bank of America, National Association6%31 loans, median costs $4,504

Among lenders with at least 30 closed refinance loans in Mercer County in 2025.

Lender by lender in Mercer

Every lender that closed at least 5 qualifying loans in Mercer 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	LENNAR MORTGAGE, LLC	173	5.25%	$6,095	$1,426	$3,375
2	Rocket Mortgage, LLC	152	6.5%	$7,091	$3,853	$3,793
3	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	127	6.499%	$10,007	$4,990	$3,563
4	CROSSCOUNTRY MORTGAGE, INC.	115	6.625%	$7,345	$1,590	$2,907
5	MLD MORTGAGE INC.	107	6.375%	$6,914	$1,825	$2,943
6	JPMorgan Chase Bank, National Association	97	6.375%	$5,800	$1,610	$1,913
7	Fairway Independent Mortgage Corporation	68	6.75%	$7,050	$2,409	$1,853
8	OceanFirst Bank, National Association	65	6%	$4,732	$820	n/a
9	CMG MORTGAGE, INC.	65	6.625%	$9,206	$3,049	$2,247
10	U.S. Bank National Association	63	6.5%	$5,802	$1,245	$690
11	Bank of America, National Association	61	6%	$5,507	$1,504	$2,634
12	K. HOVNANIAN AMERICAN MORTGAGE, L.L.C.	60	6.625%	$6,574	$1,695	$2,495
13	TD Bank, National Association	49	6%	$4,962	$950	$819
14	Advisors Mortgage Group, L.L.C.	46	6.688%	$5,900	$1,395	$1,229
15	TOLL BROTHERS MORTGAGE COMPANY	44	6.375%	$11,084	$5,752	$7,611
16	ABSOLUTE HOME MORTGAGE CORPORATION	44	6.624%	$8,596	$1,599	$3,420
17	Wells Fargo Bank, National Association	44	6.25%	$5,306	$1,442	$641
18	PULTE MORTGAGE LLC	43	6.125%	$2,961	$0	$6,524
19	Prosperity Home Mortgage, LLC	43	6.625%	$6,790	$2,263	$1,838
20	GUARANTEED RATE, INC.	42	6.513%	$6,619	$1,640	$2,673
21	NVR Mortgage Finance, Inc.	40	6.75%	$4,697	$6,233	$14,025
22	PNC Bank, National Association	39	6.5%	$5,637	$1,628	$762
23	Citizens Bank, National Association	38	6.375%	$7,284	$2,445	$1,950
24	Paramount Residential Mortgage Group, Inc.	37	6.625%	$9,505	$3,302	$2,501
25	GUARANTEED RATE AFFINITY, LLC	34	6.6%	$5,688	$1,640	$633
26	Loandepot.Com, LLC	34	6.625%	$6,416	$2,027	$1,336
27	MOVEMENT MORTGAGE, LLC	30	6.594%	$6,671	$1,742	$1,985
28	NFM, INC.	29	6.875%	$6,985	$1,895	$2,000
29	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC	28	6.75%	$8,892	$3,876	$3,800
30	UNION HOME MORTGAGE CORP.	25	6.625%	$9,600	$5,535	$1,381
31	Broker Solutions, Inc.	22	6.375%	$8,169	$3,626	$3,047
32	BETTER MORTGAGE CORPORATION	22	6.75%	$6,742	$2,076	$1,994
33	Mortgage Research Center, LLC	21	6.25%	$9,569	$3,201	$969
34	PRIMELENDING, A PLAINSCAPITAL COMPANY	19	6.875%	$6,127	$1,305	$2,852
35	AFFORDABLE MORTGAGE ADVISORS, LLC.	19	6.49%	$6,626	$1,550	$2,380
36	PENNYMAC LOAN SERVICES, LLC	19	6.599%	$11,185	$3,888	$1,573
37	EAST COAST CAPITAL CORP.	18	6.562%	$8,908	$1,350	$8,126
38	Citibank, National Association	16	5.938%	$7,722	$1,195	$2,025
39	Manufacturers and Traders Trust Company	16	5.625%	$6,234	$1,500	$776
40	Gateway First Bank	15	6.625%	$5,830	$1,395	$776

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.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

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What happens after you submit

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Common questions

What mortgage rate did people get in Mercer County in 2025?

The median interest rate on closed home-purchase loans in Mercer County, New Jersey in 2025 was 6.49%, across 2,745 first-lien, owner-occupied loans. The middle half of borrowers got between 6% and 6.85%.

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.