Lowest closing cost mortgage lenders in Middlesex County County, New Jersey
In Middlesex County, New Jersey, homebuyers paid a median of $7,753 in closing costs in 2024 — near the New Jersey median of $7,624. The county saw 5,228 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 $6,406 less than the county median.
Homebuyers in Middlesex County County who chose Columbia Bank paid $7,228 less in closing costs than the county median.
County Median Costs
$7,753
+1.7% vs New Jersey ($7,624)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,588
Purchase Originations
5,228
vs New Jersey Median
1.7% above
$129
vs National Median
15.0% above
$1,012
Lender rankings in Middlesex County County
96 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $525 | 6.125% | $0 | 19 | −$6,406 | |
| 2 | $718 | 6.625% | $0 | 30 | −$6,213 | |
| 3 | $4,339 | 6.250% | $495 | 19 | −$2,592 | |
| 4 | $4,441 | 6.188% | $1,165 | 64 | −$2,490 | |
| 5 | $4,665 | 6.500% | $995 | 28 | −$2,266 | |
| 6 | $4,683 | 6.688% | $870 | 50 | −$2,248 | |
| 7 | $4,988 | 6.250% | $0 | 11 | −$1,943 | |
| 8 | $5,036 | 5.500% | $550 | 48 | −$1,895 | |
| 9 | $5,054 | 6.624% | $1,300 | 12 | −$1,877 | |
| 10 | $5,067 | 6.250% | $300 | 10 | −$1,864 | |
| 11 | $5,077 | 6.375% | $236 | 21 | −$1,854 | |
| 12 | $5,105 | 6.500% | $250 | 13 | −$1,826 | |
| 13 | $5,132 | 6.500% | $1,776 | 143 | −$1,799 | |
| 14 | $5,253 | 6.375% | $1,495 | 25 | −$1,678 | |
| 15 | $5,321 | 6.875% | $1,395 | 68 | −$1,610 | |
| 16 | $5,365 | 6.375% | $1,125 | 21 | −$1,566 | |
| 17 | $5,450 | 6.375% | $1,145 | 54 | −$1,481 | |
| 18 | $5,502 | 6.990% | $1,495 | 27 | −$1,429 | |
| 19 | $5,514 | 6.500% | $998 | 60 | −$1,417 | |
| 20 | $5,534 | 5.938% | $825 | 18 | −$1,397 | |
| 21 | $5,599 | 6.624% | $1,275 | 86 | −$1,332 | |
| 22 | $5,748 | 6.375% | $1,060 | 15 | −$1,183 | |
| 23 | $5,837 | 6.125% | $213 | 13 | −$1,094 | |
| 24 | $5,868 | 6.625% | $1,295 | 12 | −$1,063 | |
| 25 | $5,872 | 6.625% | $1,643 | 15 | −$1,059 | |
| 26 | $5,880 | 6.490% | $1,550 | 11 | −$1,051 | |
| 27 | $5,896 | 6.625% | $1,590 | 54 | −$1,035 | |
| 28 | $5,998 | 6.500% | $2,461 | 25 | −$933 | |
| 29 | $6,011 | 6.490% | $954 | 21 | −$920 | |
| 30 | $6,196 | 6.500% | $1,474 | 62 | −$735 | |
| 31 | $6,250 | 6.375% | $1,790 | 34 | −$682 | |
| 32 | $6,255 | 6.500% | $950 | 56 | −$676 | |
| 33 | $6,257 | 6.990% | $1,590 | 15 | −$674 | |
| 34 | $6,312 | 6.875% | $1,695 | 99 | −$619 | |
| 35 | $6,360 | 6.624% | $1,299 | 34 | −$571 | |
| 36 | $6,387 | 6.575% | $1,640 | 81 | −$544 | |
| 37 | $6,414 | 6.990% | $2,804 | 23 | −$517 | |
| 38 | $6,566 | 6.625% | $1,095 | 59 | −$365 | |
| 39 | $6,631 | 6.625% | $1,640 | 60 | −$300 | |
| 40 | $6,666 | 6.500% | $3,940 | 311 | −$265 | |
| 41 | $6,733 | 6.250% | $1,090 | 20 | −$198 | |
| 42 | $6,738 | 6.625% | $2,999 | 19 | −$193 | |
| 43 | $6,741 | 6.933% | $2,682 | 28 | −$190 | |
| 44 | $6,822 | 6.375% | $1,032 | 26 | −$109 | |
| 45 | $6,828 | 7.000% | $2,597 | 39 | −$103 | |
| 46 | $6,930 | 6.875% | $2,568 | 71 | −$1 | |
| 47 | $6,971 | 6.750% | $2,300 | 20 | +$40 | |
| 48 | $6,996 | 6.625% | $1,295 | 14 | +$65 | |
| 49 | $7,017 | 6.625% | $2,048 | 32 | +$86 | |
| 50 | $7,030 | 6.375% | $1,125 | 84 | +$99 | |
| 51 | $7,046 | 6.875% | $2,795 | 71 | +$115 | |
| 52 | $7,073 | 7.000% | $2,288 | 13 | +$142 | |
| 53 | $7,182 | 6.990% | $2,508 | 31 | +$251 | |
| 54 | $7,480 | 6.625% | $2,165 | 311 | +$549 | |
| 55 | $7,520 | 6.625% | $2,042 | 18 | +$590 | |
| 56 | $7,525 | 6.990% | $3,948 | 11 | +$594 | |
| 57 | $7,716 | 6.875% | $2,882 | 118 | +$785 | |
| 58 | $7,830 | 6.875% | $2,970 | 15 | +$899 | |
| 59 | $7,967 | 6.990% | $1,470 | 14 | +$1,036 | |
| 60 | $8,171 | 6.875% | $3,487 | 10 | +$1,240 | |
| 61 | $8,308 | 7.000% | $1,999 | 21 | +$1,376 | |
| 62 | $8,366 | 6.625% | $4,631 | 15 | +$1,435 | |
| 63 | $8,442 | 6.995% | $4,711 | 10 | +$1,511 | |
| 64 | $8,712 | 6.625% | $5,208 | 14 | +$1,781 | |
| 65 | $8,842 | 6.990% | $5,187 | 20 | +$1,911 | |
| 66 | $8,923 | 6.990% | $4,034 | 27 | +$1,992 | |
| 67 | $9,097 | 7.125% | $4,000 | 15 | +$2,166 | |
| 68 | $9,328 | 6.933% | $5,028 | 10 | +$2,397 | |
| 69 | $9,367 | 6.562% | $5,184 | 30 | +$2,436 | |
| 70 | $9,422 | 6.625% | $5,689 | 20 | +$2,491 | |
| 71 | $9,472 | 6.625% | $3,678 | 58 | +$2,541 | |
| 72 | $9,533 | 6.562% | $5,358 | 44 | +$2,602 | |
| 73 | $10,105 | 7.000% | $4,995 | 10 | +$3,174 | |
| 74 | $10,268 | 6.625% | $6,302 | 13 | +$3,337 | |
| 75 | $10,426 | 6.625% | $6,291 | 412 | +$3,495 | |
| 76 | $10,450 | 6.990% | $5,630 | 13 | +$3,519 | |
| 77 | $10,484 | 6.625% | $5,661 | 24 | +$3,553 | |
| 78 | $10,653 | 6.490% | $6,496 | 15 | +$3,722 | |
| 79 | $10,743 | 6.990% | $6,630 | 15 | +$3,812 | |
| 80 | $10,841 | 7.000% | $6,384 | 23 | +$3,910 | |
| 81 | $11,147 | 6.812% | $6,836 | 66 | +$4,216 | |
| 82 | $11,148 | 6.625% | $5,540 | 13 | +$4,217 | |
| 83 | $11,305 | 6.625% | $6,320 | 73 | +$4,374 | |
| 84 | $11,480 | 6.188% | $7,109 | 12 | +$4,549 | |
| 85 | $11,608 | 6.625% | $7,345 | 27 | +$4,677 | |
| 86 | $12,444 | 6.625% | $8,450 | 13 | +$5,513 | |
| 87 | $12,697 | 6.750% | $8,094 | 44 | +$5,766 | |
| 88 | $12,769 | 6.750% | $8,476 | 15 | +$5,838 | |
| 89 | $13,301 | 7.125% | $8,435 | 11 | +$6,370 | |
| 90 | $13,687 | 6.625% | $7,639 | 23 | +$6,756 | |
| 91 | $13,960 | 6.875% | $9,377 | 15 | +$7,029 | |
| 92 | $14,008 | 8.062% | $9,840 | 10 | +$7,077 | |
| 93 | $14,026 | 6.875% | $9,196 | 16 | +$7,095 | |
| 94 | $15,337 | 6.990% | $9,265 | 15 | +$8,406 |
Includes lenders with 10+ purchase originations in Middlesex 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.