Lowest closing cost mortgage lenders in Cumberland County County, New Jersey
In Cumberland County, New Jersey, homebuyers paid a median of $8,844 in closing costs in 2024 — above the New Jersey median of $7,624. The county saw 1,007 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, OceanFirst Bank, National Association offered the lowest median costs at $3,481, which is $3,024 less than the county median.
Homebuyers in Cumberland County County who chose OceanFirst Bank, National Association paid $5,363 less in closing costs than the county median.
County Median Costs
$8,844
+16.0% vs New Jersey ($7,624)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$3,848
Purchase Originations
1,007
vs New Jersey Median
16.0% above
$1,220
vs National Median
31.2% above
$2,103
Lender rankings in Cumberland County County
17 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,481 | 5.875% | $550 | 12 | −$3,024 | |
| 2 | $5,123 | 7.000% | $2,937 | 17 | −$1,382 | |
| 3 | $5,399 | 6.625% | $3,023 | 19 | −$1,106 | |
| 4 | $5,481 | 6.875% | $2,745 | 19 | −$1,024 | |
| 5 | $6,027 | 6.625% | $3,134 | 12 | −$478 | |
| 6 | $6,371 | 6.500% | $3,295 | 11 | −$134 | |
| 7 | $6,730 | 6.990% | $4,095 | 11 | +$225 | |
| 8 | $6,876 | 7.125% | $4,301 | 20 | +$371 | |
| 9 | $7,243 | 7.125% | $3,932 | 15 | +$738 | |
| 10 | $8,159 | 6.625% | $5,078 | 84 | +$1,654 | |
| 11 | $8,436 | 7.062% | $5,684 | 12 | +$1,931 | |
| 12 | $8,707 | 8.812% | $6,183 | 14 | +$2,202 |
Includes lenders with 10+ purchase originations in Cumberland 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
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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.