Lowest closing cost mortgage lenders in Union County County, New Jersey
In Union County, New Jersey, homebuyers paid a median of $9,247 in closing costs in 2024 — above the New Jersey median of $7,624. The county saw 3,195 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 $7,249 less than the county median.
Homebuyers in Union County County who chose Columbia Bank paid $8,722 less in closing costs than the county median.
County Median Costs
$9,247
+21.3% vs New Jersey ($7,624)
Median Rate
6.620%
+0.0% vs national (6.620%)
Median Origination
$2,837
Purchase Originations
3,195
vs New Jersey Median
21.3% above
$1,623
vs National Median
37.2% above
$2,506
Lender rankings in Union County County
60 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 | 18 | −$7,249 | |
| 2 | $5,074 | 5.875% | $495 | 27 | −$2,700 | |
| 3 | $5,210 | 6.000% | $790 | 52 | −$2,564 | |
| 4 | $5,340 | 6.000% | $1,145 | 14 | −$2,434 | |
| 5 | $5,505 | 6.625% | $950 | 46 | −$2,269 | |
| 6 | $5,634 | 5.812% | $562 | 20 | −$2,140 | |
| 7 | $5,764 | 6.990% | $2,613 | 16 | −$2,010 | |
| 8 | $5,796 | 6.433% | $1,125 | 22 | −$1,978 | |
| 9 | $5,911 | 6.438% | $1,260 | 22 | −$1,863 | |
| 10 | $6,123 | 6.312% | $823 | 10 | −$1,651 | |
| 11 | $6,133 | 6.375% | $995 | 35 | −$1,641 | |
| 12 | $6,209 | 6.625% | $1,590 | 43 | −$1,565 | |
| 13 | $6,222 | 6.624% | $1,275 | 77 | −$1,552 | |
| 14 | $6,302 | 5.938% | $1,290 | 52 | −$1,472 | |
| 15 | $6,545 | 6.990% | $1,299 | 19 | −$1,229 | |
| 16 | $6,660 | 6.088% | $815 | 32 | −$1,114 | |
| 17 | $6,783 | 6.500% | $1,661 | 126 | −$991 | |
| 18 | $6,800 | 6.600% | $1,640 | 141 | −$974 | |
| 19 | $6,901 | 6.750% | $1,790 | 28 | −$873 | |
| 20 | $6,995 | 6.625% | $2,695 | 15 | −$779 | |
| 21 | $7,007 | 6.933% | $2,716 | 12 | −$767 | |
| 22 | $7,213 | 6.990% | $1,645 | 15 | −$561 | |
| 23 | $7,233 | 6.060% | $1,242 | 15 | −$541 | |
| 24 | $7,282 | 6.500% | $3,456 | 16 | −$492 | |
| 25 | $7,324 | 6.562% | $3,349 | 20 | −$450 | |
| 26 | $7,460 | 6.250% | $1,090 | 51 | −$314 | |
| 27 | $7,492 | 6.625% | $1,425 | 33 | −$282 | |
| 28 | $7,668 | 6.625% | $1,640 | 113 | −$106 | |
| 29 | $7,914 | 6.375% | $1,069 | 40 | +$140 | |
| 30 | $7,995 | 6.438% | $2,601 | 10 | +$221 | |
| 31 | $8,019 | 6.625% | $3,470 | 26 | +$245 | |
| 32 | $8,233 | 6.562% | $4,398 | 10 | +$459 | |
| 33 | $8,307 | 6.250% | $2,262 | 69 | +$533 | |
| 34 | $8,328 | 6.990% | $3,306 | 37 | +$554 | |
| 35 | $8,367 | 6.500% | $1,410 | 18 | +$593 | |
| 36 | $8,651 | 6.750% | $5,000 | 90 | +$877 | |
| 37 | $8,709 | 6.825% | $2,576 | 127 | +$935 | |
| 38 | $8,919 | 6.875% | $4,449 | 38 | +$1,145 | |
| 39 | $9,108 | 6.750% | $4,428 | 59 | +$1,334 | |
| 40 | $9,182 | 6.625% | $1,623 | 20 | +$1,408 | |
| 41 | $9,894 | 6.990% | $5,800 | 40 | +$2,120 | |
| 42 | $10,184 | 6.990% | $6,009 | 18 | +$2,410 | |
| 43 | $10,391 | 6.875% | $5,705 | 17 | +$2,617 | |
| 44 | $11,204 | 6.625% | $6,434 | 18 | +$3,430 | |
| 45 | $11,453 | 7.000% | $7,072 | 10 | +$3,679 | |
| 46 | $11,592 | 6.875% | $7,750 | 18 | +$3,818 | |
| 47 | $12,057 | 6.625% | $7,649 | 140 | +$4,283 | |
| 48 | $12,746 | 6.624% | $7,033 | 29 | +$4,972 | |
| 49 | $13,146 | 6.875% | $7,452 | 12 | +$5,372 | |
| 50 | $13,973 | 6.625% | $9,039 | 19 | +$6,199 | |
| 51 | $14,149 | 6.990% | $8,955 | 50 | +$6,375 | |
| 52 | $14,984 | 6.990% | $11,031 | 27 | +$7,210 | |
| 53 | $15,456 | 6.625% | $10,351 | 15 | +$7,682 | |
| 54 | $16,125 | 7.058% | $10,912 | 14 | +$8,351 | |
| 55 | $16,379 | 7.250% | $10,949 | 14 | +$8,605 | |
| 56 | $17,583 | 8.562% | $12,749 | 10 | +$9,809 | |
| 57 | $22,041 | 9.125% | $17,310 | 10 | +$14,267 |
Includes lenders with 10+ purchase originations in Union 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.