Lowest closing cost mortgage lenders in Monmouth County County, New Jersey
In Monmouth County, New Jersey, homebuyers paid a median of $7,078 in closing costs in 2024 — below the New Jersey median of $7,624. The county saw 5,083 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, NQM FUNDING, LLC offered the lowest median costs at $170, which is $6,549 less than the county median.
Homebuyers in Monmouth County County who chose NQM FUNDING, LLC paid $6,908 less in closing costs than the county median.
County Median Costs
$7,078
−7.2% vs New Jersey ($7,624)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,695
Purchase Originations
5,083
vs New Jersey Median
7.2% below
$-546
vs National Median
5.0% above
$337
Lender rankings in Monmouth County County
80 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $170 | 8.125% | $0 | 17 | −$6,549 | |
| 2 | $875 | 6.375% | $0 | 15 | −$5,844 | |
| 3 | $2,282 | 6.625% | $0 | 24 | −$4,437 | |
| 4 | $3,296 | 6.250% | $495 | 26 | −$3,423 | |
| 5 | $4,928 | 6.375% | $550 | 93 | −$1,792 | |
| 6 | $5,227 | 6.558% | $1,490 | 16 | −$1,492 | |
| 7 | $5,318 | 6.500% | $1,295 | 14 | −$1,401 | |
| 8 | $5,426 | 6.312% | $0 | 16 | −$1,293 | |
| 9 | $5,430 | 6.562% | $738 | 28 | −$1,289 | |
| 10 | $5,476 | 6.625% | $995 | 29 | −$1,243 | |
| 11 | $5,480 | 6.250% | $1,145 | 31 | −$1,239 | |
| 12 | $5,541 | 6.875% | $1,495 | 103 | −$1,178 | |
| 13 | $5,546 | 6.500% | $1,275 | 91 | −$1,172 | |
| 14 | $5,571 | 6.688% | $1,180 | 28 | −$1,148 | |
| 15 | $5,592 | 6.433% | $1,125 | 40 | −$1,128 | |
| 16 | $5,596 | 6.875% | $1,395 | 331 | −$1,123 | |
| 17 | $5,705 | 6.125% | $1,724 | 11 | −$1,014 | |
| 18 | $5,711 | 6.375% | $995 | 86 | −$1,008 | |
| 19 | $5,718 | 6.625% | $1,427 | 121 | −$1,001 | |
| 20 | $5,739 | 6.600% | $1,640 | 187 | −$980 | |
| 21 | $5,827 | 6.625% | $1,590 | 97 | −$892 | |
| 22 | $5,951 | 6.990% | $2,345 | 14 | −$768 | |
| 23 | $5,968 | 6.625% | $2,043 | 107 | −$751 | |
| 24 | $5,980 | 6.490% | $892 | 21 | −$740 | |
| 25 | $5,994 | 6.875% | $1,495 | 11 | −$726 | |
| 26 | $6,110 | 6.875% | $1,590 | 39 | −$609 | |
| 27 | $6,166 | 6.625% | $1,492 | 14 | −$553 | |
| 28 | $6,182 | 6.500% | $1,499 | 12 | −$537 | |
| 29 | $6,329 | 6.750% | $1,695 | 91 | −$390 | |
| 30 | $6,498 | 6.875% | $1,419 | 19 | −$221 | |
| 31 | $6,514 | 6.250% | $1,090 | 40 | −$205 | |
| 32 | $6,567 | 6.375% | $1,060 | 29 | −$152 | |
| 33 | $6,567 | 6.875% | $1,495 | 11 | −$152 | |
| 34 | $6,644 | 6.625% | $1,690 | 90 | −$75 | |
| 35 | $6,671 | 6.438% | $790 | 10 | −$48 | |
| 36 | $6,694 | 6.500% | $270 | 77 | −$25 | |
| 37 | $6,706 | 6.624% | $1,299 | 26 | −$14 | |
| 38 | $6,727 | 6.250% | $1,390 | 77 | +$8 | |
| 39 | $6,778 | 6.250% | $1,790 | 10 | +$59 | |
| 40 | $6,834 | 6.500% | $950 | 41 | +$115 | |
| 41 | $6,856 | 6.562% | $1,590 | 14 | +$137 | |
| 42 | $6,857 | 6.662% | $2,115 | 46 | +$138 | |
| 43 | $7,022 | 6.990% | $3,500 | 37 | +$303 | |
| 44 | $7,065 | 6.490% | $1,275 | 17 | +$346 | |
| 45 | $7,080 | 6.625% | $3,146 | 134 | +$361 | |
| 46 | $7,091 | 6.750% | $187 | 10 | +$372 | |
| 47 | $7,131 | 6.750% | $1,499 | 47 | +$412 | |
| 48 | $7,302 | 6.750% | $3,335 | 14 | +$583 | |
| 49 | $7,633 | 6.990% | $3,565 | 46 | +$914 | |
| 50 | $7,638 | 7.000% | $1,449 | 12 | +$918 | |
| 51 | $7,694 | 6.375% | $2,193 | 101 | +$975 | |
| 52 | $7,743 | 6.375% | $4,270 | 21 | +$1,024 | |
| 53 | $7,835 | 6.500% | $1,069 | 66 | +$1,116 | |
| 54 | $7,888 | 6.875% | $2,990 | 354 | +$1,169 | |
| 55 | $7,991 | 6.625% | $2,076 | 15 | +$1,272 | |
| 56 | $7,995 | 6.375% | $1,615 | 12 | +$1,276 | |
| 57 | $8,061 | 6.990% | $3,577 | 71 | +$1,342 | |
| 58 | $8,061 | 5.950% | $815 | 62 | +$1,342 | |
| 59 | $8,076 | 6.500% | $1,562 | 25 | +$1,357 | |
| 60 | $8,080 | 6.750% | $4,004 | 28 | +$1,360 | |
| 61 | $8,109 | 6.875% | $3,662 | 102 | +$1,390 | |
| 62 | $8,201 | 6.625% | $3,369 | 20 | +$1,482 | |
| 63 | $8,374 | 6.990% | $4,169 | 37 | +$1,654 | |
| 64 | $8,449 | 6.990% | $3,637 | 63 | +$1,730 | |
| 65 | $8,520 | 7.000% | $2,089 | 19 | +$1,801 | |
| 66 | $8,574 | 6.875% | $2,568 | 15 | +$1,855 | |
| 67 | $8,576 | 7.125% | $4,428 | 30 | +$1,857 | |
| 68 | $8,650 | 7.125% | $5,069 | 11 | +$1,931 | |
| 69 | $8,704 | 6.625% | $4,200 | 67 | +$1,985 | |
| 70 | $8,990 | 6.875% | $3,040 | 10 | +$2,271 | |
| 71 | $9,286 | 6.625% | $4,112 | 20 | +$2,567 | |
| 72 | $9,443 | 7.062% | $1,449 | 16 | +$2,724 | |
| 73 | $9,968 | 6.490% | $5,995 | 13 | +$3,249 | |
| 74 | $10,292 | 7.490% | $5,019 | 13 | +$3,572 | |
| 75 | $10,370 | 6.625% | $5,790 | 191 | +$3,651 | |
| 76 | $10,462 | 6.624% | $4,692 | 80 | +$3,743 | |
| 77 | $10,756 | 6.875% | $5,909 | 11 | +$4,037 | |
| 78 | $11,163 | 6.933% | $5,453 | 30 | +$4,444 | |
| 79 | $12,973 | 6.625% | $8,256 | 10 | +$6,254 |
Includes lenders with 10+ purchase originations in Monmouth 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.