Lowest closing cost mortgage lenders in Somerset County County, New Jersey
In Somerset County, New Jersey, homebuyers paid a median of $7,152 in closing costs in 2024 — below the New Jersey median of $7,624. The county saw 2,649 purchase mortgages at a median rate of 6.62%. Among lenders with 10+ originations, PULTE MORTGAGE LLC offered the lowest median costs at $5, which is $6,845 less than the county median.
Homebuyers in Somerset County County who chose PULTE MORTGAGE LLC paid $7,147 less in closing costs than the county median.
County Median Costs
$7,152
−6.2% vs New Jersey ($7,624)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$1,790
Purchase Originations
2,649
vs New Jersey Median
6.2% below
$-472
vs National Median
6.1% above
$411
Lender rankings in Somerset County County
58 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5 | 6.990% | $0 | 31 | −$6,845 | |
| 2 | $4,863 | 5.750% | $550 | 14 | −$1,987 | |
| 3 | $4,906 | 6.495% | $1,125 | 34 | −$1,944 | |
| 4 | $5,028 | 6.250% | $250 | 10 | −$1,822 | |
| 5 | $5,044 | 6.375% | $812 | 78 | −$1,806 | |
| 6 | $5,076 | 6.433% | $1,145 | 46 | −$1,774 | |
| 7 | $5,124 | 6.500% | $995 | 60 | −$1,726 | |
| 8 | $5,275 | 6.500% | $790 | 21 | −$1,575 | |
| 9 | $5,332 | 6.750% | $499 | 15 | −$1,518 | |
| 10 | $5,408 | 6.990% | $1,395 | 27 | −$1,442 | |
| 11 | $5,562 | 6.933% | $1,495 | 22 | −$1,288 | |
| 12 | $5,787 | 6.625% | $1,275 | 56 | −$1,063 | |
| 13 | $5,818 | 6.750% | $2,259 | 16 | −$1,032 | |
| 14 | $5,824 | 6.625% | $1,590 | 39 | −$1,026 | |
| 15 | $5,877 | 6.125% | $1,495 | 16 | −$973 | |
| 16 | $6,033 | 6.875% | $1,780 | 22 | −$817 | |
| 17 | $6,041 | 6.500% | $950 | 54 | −$809 | |
| 18 | $6,059 | 6.550% | $1,640 | 64 | −$791 | |
| 19 | $6,067 | 7.000% | $2,131 | 17 | −$783 | |
| 20 | $6,086 | 6.500% | $1,621 | 35 | −$764 | |
| 21 | $6,129 | 6.062% | $0 | 10 | −$721 | |
| 22 | $6,338 | 6.375% | $414 | 13 | −$512 | |
| 23 | $6,451 | 6.125% | $1,215 | 42 | −$399 | |
| 24 | $6,499 | 6.375% | $1,060 | 31 | −$351 | |
| 25 | $6,540 | 6.295% | $1,242 | 15 | −$310 | |
| 26 | $6,580 | 6.990% | $2,951 | 10 | −$270 | |
| 27 | $6,618 | 6.375% | $1,032 | 24 | −$232 | |
| 28 | $6,636 | 6.624% | $2,048 | 32 | −$214 | |
| 29 | $6,655 | 6.875% | $1,299 | 19 | −$195 | |
| 30 | $6,720 | 6.625% | $3,887 | 145 | −$130 | |
| 31 | $6,788 | 6.625% | $1,640 | 73 | −$62 | |
| 32 | $6,788 | 6.500% | $1,125 | 35 | −$62 | |
| 33 | $6,885 | 6.500% | $1,095 | 24 | +$35 | |
| 34 | $7,028 | 6.375% | $1,090 | 29 | +$178 | |
| 35 | $7,268 | 6.113% | $815 | 16 | +$418 | |
| 36 | $7,283 | 6.875% | $2,021 | 104 | +$433 | |
| 37 | $7,384 | 6.625% | $4,462 | 11 | +$534 | |
| 38 | $7,399 | 6.625% | $1,590 | 12 | +$549 | |
| 39 | $7,490 | 6.990% | $1,695 | 11 | +$640 | |
| 40 | $7,514 | 6.875% | $3,556 | 54 | +$664 | |
| 41 | $7,763 | 6.933% | $3,068 | 10 | +$913 | |
| 42 | $7,966 | 6.375% | $2,473 | 49 | +$1,116 | |
| 43 | $8,088 | 6.375% | $1,395 | 11 | +$1,238 | |
| 44 | $8,122 | 6.750% | $1,590 | 115 | +$1,272 | |
| 45 | $8,430 | 7.000% | $2,475 | 11 | +$1,580 | |
| 46 | $8,565 | 6.875% | $4,462 | 25 | +$1,715 | |
| 47 | $9,398 | 6.990% | $5,191 | 21 | +$2,548 | |
| 48 | $9,943 | 6.625% | $6,070 | 145 | +$3,093 | |
| 49 | $9,969 | 6.438% | $5,836 | 14 | +$3,119 | |
| 50 | $10,509 | 7.000% | $7,390 | 15 | +$3,659 | |
| 51 | $10,526 | 6.875% | $4,694 | 23 | +$3,676 | |
| 52 | $11,704 | 6.933% | $7,141 | 10 | +$4,854 | |
| 53 | $11,825 | 6.875% | $7,312 | 21 | +$4,975 | |
| 54 | $11,849 | 7.125% | $7,993 | 25 | +$4,999 | |
| 55 | $12,538 | 6.750% | $8,168 | 18 | +$5,688 | |
| 56 | $12,991 | 6.624% | $7,236 | 38 | +$6,141 | |
| 57 | $13,661 | 6.875% | $9,351 | 13 | +$6,811 | |
| 58 | $14,983 | 7.125% | $10,191 | 10 | +$8,133 |
Includes lenders with 10+ purchase originations in Somerset 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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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.