Lowest closing cost mortgage lenders in Bergen County County, New Jersey
In Bergen County, New Jersey, homebuyers paid a median of $8,013 in closing costs in 2024 — above the New Jersey median of $7,624. The county saw 5,783 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Columbia Bank offered the lowest median costs at $2,824, which is $4,698 less than the county median.
Homebuyers in Bergen County County who chose Columbia Bank paid $5,189 less in closing costs than the county median.
County Median Costs
$8,013
+5.1% vs New Jersey ($7,624)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,080
Purchase Originations
5,783
vs New Jersey Median
5.1% above
$389
vs National Median
18.9% above
$1,272
Lender rankings in Bergen County County
88 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,824 | 6.125% | $498 | 28 | −$4,698 | |
| 2 | $4,908 | 6.125% | $250 | 19 | −$2,614 | |
| 3 | $5,290 | 6.375% | $1,395 | 27 | −$2,232 | |
| 4 | $5,298 | 6.250% | $1,125 | 38 | −$2,224 | |
| 5 | $5,487 | 6.375% | $1,145 | 47 | −$2,035 | |
| 6 | $5,562 | 6.438% | $250 | 20 | −$1,960 | |
| 7 | $5,612 | 6.500% | $1,180 | 31 | −$1,910 | |
| 8 | $5,631 | 6.558% | $1,490 | 10 | −$1,891 | |
| 9 | $5,730 | 6.875% | $955 | 44 | −$1,792 | |
| 10 | $5,751 | 5.875% | $825 | 16 | −$1,771 | |
| 11 | $5,900 | 6.500% | $0 | 28 | −$1,622 | |
| 12 | $5,906 | 6.625% | $2,391 | 20 | −$1,616 | |
| 13 | $5,998 | 6.624% | $1,275 | 298 | −$1,524 | |
| 14 | $6,051 | 6.812% | $1,395 | 22 | −$1,471 | |
| 15 | $6,083 | 6.375% | $1,099 | 82 | −$1,439 | |
| 16 | $6,111 | 6.990% | $1,590 | 11 | −$1,411 | |
| 17 | $6,188 | 6.625% | $1,590 | 170 | −$1,334 | |
| 18 | $6,190 | 6.490% | $1,682 | 271 | −$1,332 | |
| 19 | $6,224 | 6.500% | $995 | 87 | −$1,298 | |
| 20 | $6,360 | 6.000% | $1,550 | 11 | −$1,162 | |
| 21 | $6,370 | 6.500% | $995 | 13 | −$1,152 | |
| 22 | $6,371 | 6.750% | $1,495 | 13 | −$1,151 | |
| 23 | $6,453 | 6.625% | $2,016 | 12 | −$1,069 | |
| 24 | $6,567 | 6.808% | $1,590 | 12 | −$955 | |
| 25 | $6,580 | 6.688% | $2,674 | 18 | −$942 | |
| 26 | $6,703 | 6.375% | $0 | 21 | −$819 | |
| 27 | $6,801 | 6.125% | $2,276 | 15 | −$721 | |
| 28 | $6,854 | 6.500% | $950 | 119 | −$668 | |
| 29 | $6,910 | 6.812% | $1,268 | 10 | −$612 | |
| 30 | $6,926 | 6.250% | $1,090 | 73 | −$596 | |
| 31 | $7,012 | 6.625% | $1,640 | 252 | −$510 | |
| 32 | $7,046 | 6.990% | $3,258 | 54 | −$476 | |
| 33 | $7,107 | 5.927% | $1,242 | 15 | −$415 | |
| 34 | $7,109 | 6.500% | $1,095 | 10 | −$413 | |
| 35 | $7,399 | 6.625% | $1,586 | 94 | −$123 | |
| 36 | $7,418 | 6.125% | $1,312 | 87 | −$104 | |
| 37 | $7,455 | 6.625% | $1,275 | 21 | −$67 | |
| 38 | $7,478 | 7.058% | $2,550 | 20 | −$44 | |
| 39 | $7,479 | 6.050% | $815 | 84 | −$43 | |
| 40 | $7,524 | 6.500% | $1,720 | 49 | +$2 | |
| 41 | $7,559 | 6.875% | $2,431 | 23 | +$37 | |
| 42 | $7,592 | 6.990% | $3,007 | 22 | +$70 | |
| 43 | $7,634 | 6.000% | $1,640 | 12 | +$112 | |
| 44 | $7,640 | 6.375% | $1,689 | 11 | +$118 | |
| 45 | $7,742 | 6.624% | $1,958 | 73 | +$220 | |
| 46 | $7,785 | 6.625% | $3,750 | 263 | +$263 | |
| 47 | $7,786 | 6.875% | $2,999 | 18 | +$264 | |
| 48 | $7,811 | 6.812% | $4,054 | 12 | +$289 | |
| 49 | $7,953 | 6.625% | $4,292 | 19 | +$431 | |
| 50 | $8,029 | 6.625% | $3,803 | 18 | +$507 | |
| 51 | $8,108 | 6.688% | $1,535 | 60 | +$586 | |
| 52 | $8,159 | 6.625% | $2,301 | 16 | +$637 | |
| 53 | $8,262 | 6.562% | $1,495 | 12 | +$740 | |
| 54 | $8,293 | 6.990% | $3,596 | 46 | +$771 | |
| 55 | $8,429 | 6.375% | $1,495 | 52 | +$907 | |
| 56 | $8,454 | 6.875% | $2,839 | 403 | +$932 | |
| 57 | $8,543 | 6.725% | $3,152 | 64 | +$1,021 | |
| 58 | $8,548 | 6.125% | $2,436 | 122 | +$1,026 | |
| 59 | $8,729 | 6.875% | $4,658 | 25 | +$1,207 | |
| 60 | $9,054 | 7.250% | $3,750 | 11 | +$1,532 | |
| 61 | $9,333 | 6.875% | $4,808 | 52 | +$1,811 | |
| 62 | $9,333 | 6.490% | $5,000 | 29 | +$1,811 | |
| 63 | $9,384 | 6.875% | $4,602 | 85 | +$1,862 | |
| 64 | $9,387 | 6.188% | $1,069 | 44 | +$1,865 | |
| 65 | $9,529 | 6.625% | $4,445 | 81 | +$2,007 | |
| 66 | $9,737 | 6.375% | $6,008 | 11 | +$2,215 | |
| 67 | $9,964 | 6.625% | $1,449 | 12 | +$2,442 | |
| 68 | $10,051 | 6.625% | $5,501 | 33 | +$2,529 | |
| 69 | $10,399 | 7.250% | $6,472 | 20 | +$2,877 | |
| 70 | $10,548 | 7.875% | $2,023 | 15 | +$3,026 | |
| 71 | $10,706 | 6.938% | $5,636 | 22 | +$3,184 | |
| 72 | $10,852 | 6.625% | $6,181 | 362 | +$3,330 | |
| 73 | $11,112 | 6.500% | $6,808 | 39 | +$3,590 | |
| 74 | $11,171 | 6.938% | $6,658 | 10 | +$3,649 | |
| 75 | $12,395 | 6.688% | $7,755 | 14 | +$4,873 | |
| 76 | $12,920 | 6.990% | $8,905 | 27 | +$5,398 | |
| 77 | $13,089 | 6.625% | $7,313 | 26 | +$5,567 | |
| 78 | $13,116 | 6.938% | $7,668 | 12 | +$5,594 | |
| 79 | $13,550 | 7.125% | $10,039 | 17 | +$6,028 | |
| 80 | $13,731 | 6.990% | $8,873 | 58 | +$6,209 | |
| 81 | $14,210 | 6.875% | $8,400 | 12 | +$6,688 | |
| 82 | $14,984 | 6.500% | $8,200 | 19 | +$7,462 | |
| 83 | $15,174 | 9.000% | $11,512 | 11 | +$7,652 | |
| 84 | $17,687 | 7.490% | $11,985 | 11 | +$10,165 | |
| 85 | $17,872 | 8.187% | $13,401 | 12 | +$10,350 | |
| 86 | $18,178 | 6.875% | $13,475 | 13 | +$10,656 | |
| 87 | $24,908 | 9.187% | $19,590 | 12 | +$17,386 |
Includes lenders with 10+ purchase originations in Bergen County County. Source: HMDA 2024. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in New Jersey → Lender Directory
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.