Current New Jersey Mortgage Rates
Average market rates for July 30, 2026 in New Jersey are 6.73% for 30-year fixed purchase and 6.76% for 30-year fixed refinance
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.73% | 6.77% |
| 30-year Fixed Refinance | 6.76% | 6.80% |
Rates based on market averages as of Jul 29, 2026.Mortgage Rate Trends in New Jersey
| Product | Rate | APR |
|---|
| 30-year Fixed Purchase | 6.73% | 6.77% |
| 30-year Fixed Refinance | 6.76% | 6.80% |
Rates based on market averages as of Jul 29, 2026.New Jersey Purchase Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Purchase | 5.88% | 5.95% |
| 15-year Fixed Jumbo Purchase | 6.55% | 6.57% |
| 30-year Fixed Purchase | 6.73% | 6.77% |
| 30-year Fixed Jumbo Purchase | 7.18% | 7.20% |
Rates based on market averages as of Jul 29, 2026.New Jersey Refinance Rates
| Product | Rate | APR |
|---|
| 15-year Fixed Refinance | 5.85% | 5.91% |
| 15-year Fixed Jumbo Refinance | 6.53% | 6.57% |
| 30-year Fixed Refinance | 6.76% | 6.80% |
| 30-year Fixed Jumbo Refinance | 7.22% | 7.24% |
Rates based on market averages as of Jul 29, 2026.New Jersey ARM Rates
| Product | Rate | APR |
|---|
| 5/6 Arm (purchase) | 6.21% | 6.29% |
| 5/6 Arm (refinance) | 6.16% | 6.20% |
| 5/6 Jumbo Arm (purchase) | 6.11% | 6.14% |
| 5/6 Jumbo Arm (refinance) | 6.17% | 6.19% |
Rates based on market averages as of Jul 29, 2026.How we source rates and rate trends
×
Rate data in the charts and tables above comes from
RateUpdate.com.
The displayed rates come from multiple providers and represent market averages. Your mortgage rate will differ
based on individual factors like your credit score as well as differing loan types and terms offered by lenders.
Most Common Mortgage Types in New Jersey
- Conventional: 76,432 loans
- FHA: 15,733 loans
- USDA: 225 loans
- VA: 3,095 loans
Top Purchase Lenders in New Jersey by Volume
- Crosscountry Mortgage, LLC: 3,805 loans
- Rocket Mortgage, LLC: 3,804 loans
- Guaranteed Rate, Inc.: 3,177 loans
- Wells Fargo Bank: 2,948 loans
- Nj Lenders Corp.: 2,814 loans
- Loandepot.com, LLC: 2,696 loans
- JPMorgan Chase Bank: 2,161 loans
- Advisors Mortgage Group, L.l.c.: 2,154 loans
- American Neighborhood Mortgage Acceptance Company LLC: 2,099 loans
- Greentree Mortgage Company, L.p.: 1,889 loans
Top Refinance Lenders in New Jersey by Volume
- PNC Bank: 2,746 loans
- Rocket Mortgage, LLC: 1,407 loans
- Citizens Bank: 1,230 loans
- Td Bank: 1,160 loans
- Bank Of America: 1,036 loans
- Wells Fargo Bank: 1,008 loans
- JPMorgan Chase Bank: 753 loans
- Loandepot.com, LLC: 679 loans
- Freedom Mortgage Corporation: 565 loans
- Nationstar Mortgage LLC: 554 loans
Top Cash-Out Refinance Lenders in New Jersey by Volume
- Rocket Mortgage, LLC: 5,644 loans
- Loandepot.com, LLC: 1,614 loans
- Wells Fargo Bank: 1,540 loans
- Nationstar Mortgage LLC: 1,290 loans
- Police & Fire: 1,220 loans
- JPMorgan Chase Bank: 889 loans
- Freedom Mortgage Corporation: 793 loans
- Newrez LLC: 699 loans
- Pennymac Loan Services, LLC: 675 loans
- Amerisave Mortgage Corporation: 583 loans
How we source lender data
Meet the Author
The Refi.com team is compiled of journalists, editors, and mortgage industry professionals to ensure you have the most accurate information on mortgage refinancing.
