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Lowest closing cost mortgage lenders in Essex County County, New Jersey

In Essex County, New Jersey, homebuyers paid a median of $9,139 in closing costs in 2024 — above the New Jersey median of $7,624. The county saw 4,240 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, Columbia Bank offered the lowest median costs at $525, which is $7,113 less than the county median.

Homebuyers in Essex County County who chose Columbia Bank paid $8,614 less in closing costs than the county median.

County Median Costs

$9,139

+19.9% vs New Jersey ($7,624)

Median Rate

6.620%

+0.0% vs national (6.620%)

Median Origination

$2,459

Purchase Originations

4,240

vs New Jersey Median

19.9% above

$1,515

vs National Median

35.6% above

$2,398

Lender rankings in Essex County County

63 lenders with 10+ originations, ranked by median total loan costs.

RankLenderMedian Total Costs ↑Median Rate ↕Median Origination ↕Volume ↕vs. Median
1$5256.250%$021−$7,113
2$4,9646.625%$011−$2,674
3$5,0635.875%$49536−$2,575
4$5,1055.875%$79064−$2,533
5$5,4376.375%$1,14513−$2,201
6$5,9057.000%$1,59510−$1,733
7$6,0955.750%$82521−$1,543
8$6,1606.870%$2,51810−$1,478
9$6,1656.625%$1,59088−$1,473
10$6,2006.625%$1,275218−$1,438
11$6,3036.433%$1,598168−$1,335
12$6,4276.990%$1,29921−$1,211
13$6,4806.625%$1,49511−$1,158
14$6,5036.375%$99552−$1,135
15$6,5796.250%$1,06027−$1,059
16$6,6377.125%$1,59515−$1,001
17$6,7526.438%$1,12522−$886
18$6,9976.600%$1,640259−$641
19$7,0646.500%$1,12528−$574
20$7,1256.875%$1,49511−$513
21$7,1956.625%$3,05316−$443
22$7,2516.250%$1,09079−$387
23$7,3626.750%$3,10610−$276
24$7,4096.875%$1,79061−$229
25$7,4386.500%$95078−$200
26$7,5186.125%$99511−$120
27$7,5356.990%$2,40810−$103
28$7,5606.750%$1,64055−$78
29$7,5705.812%$1,29084−$68
30$7,6766.875%$2,45431+$38
31$7,7706.875%$3,61713+$132
32$7,8107.000%$1,49923+$172
33$7,8635.950%$81547+$225
34$7,9896.625%$4,658121+$351
35$7,9996.625%$1,27516+$361
36$8,3247.375%$3,28113+$686
37$8,5026.375%$1,64039+$864
38$8,6106.250%$2,20488+$972
39$8,8256.250%$1,06969+$1,187
40$9,1866.970%$3,754198+$1,548
41$9,9536.625%$5,41154+$2,315
42$9,9876.625%$3,99422+$2,349
43$10,1206.933%$4,52230+$2,482
44$10,1836.625%$5,49734+$2,545
45$10,3956.625%$5,59723+$2,757
46$10,9946.625%$8,12315+$3,356
47$11,1136.625%$6,482160+$3,475
48$11,2396.688%$7,10610+$3,601
49$11,3866.808%$7,16010+$3,748
50$12,1956.495%$7,82420+$4,557
51$12,8116.990%$8,34146+$5,173
52$13,2327.125%$5,92610+$5,594
53$13,8246.999%$7,06626+$6,186
54$14,7717.000%$10,49213+$7,133
55$16,1077.125%$9,75515+$8,469
56$17,6508.625%$10,95410+$10,012
57$17,8687.999%$12,44411+$10,230

Includes lenders with 10+ purchase originations in Essex 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.