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20-Year Fixed Conforming Mortgage

New Jersey 20-Year Fixed Mortgage Rates 2025

Compare New Jersey 20-Year Fixed Conforming Mortgage rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information. Mortgage rates are updated daily.

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New Jersey 20-Year Fixed Conforming Mortgage

May 3, 2025
Average: 6.81% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
District Lending NMLS ID: 1835285	6.126% 20 Yr Fixed	5.990% Fees & Points $3,517 Total 0.599 Pts: $1,917 $1,600 Fees	$2,291	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.247% 20 Yr Fixed	6.000% Fees & Points $6,400 Total 1.000 Pts: $3,200 $3,200 Fees	$2,293	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	6.493% 20 Yr Fixed	6.375% Fees & Points $2,995 Total 0.936 Pts: $2,995 $0 Fees	$2,363	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	PenFed membership is open to everyone, including you. Fixed Rate is locked-in for the life of the loan PenFed Makes Home Ownership Affordable. Federally Insured by NCUA Military Service is NOT required for membership. Equal Housing Lender 20 Yr Fixed			Learn More
Veterans United Home Loans NMLS ID: 1907	Get home in 2025 with a 0% down VA Loan Score your prequalification anytime with 24/7 online tools Save more with competitive VA rates and no PMI Backed by over 300,000 verified 5-star reviews 20 Yr Fixed			Learn More
Neighbors Bank NMLS ID: 491986	As low as 0% down options & down payment assistance Minimum 620 credit score needed to prequalify 96% of borrowers would recommend Neighbors Bank 20 Yr Fixed			Learn More
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Kearny Bank Updated 05/02/2025	0.00%	0.00% 0.00 points $0.00 fees	$nan	Learn MoreShow Less See Table View
Spencer Savings Bank, Sla Updated 05/02/2025	6.79%	5.04% 0.00 points $3,241.00 fees	$2,119.64	Learn MoreShow Less See Table View
U.s. Bank National Association Updated 05/07/2023	5.97%	5.75% 0.57 points $0.00 fees	$2,246.67	Learn MoreShow Less See Table View
Union County Savings Bank Updated 01/24/2023	5.80%	5.75% 0.00 points $0.00 fees	$2,246.67	Learn MoreShow Less See Table View
Pnc Bank, National Association Updated 10/04/2022	6.11%	5.88% 0.00 points $3,210.00 fees	$2,269.56	Learn MoreShow Less See Table View
Blue Foundry Bank Updated 05/02/2025	6.44%	6.06% 0.00 points $0.00 fees	$2,304.41	Learn MoreShow Less See Table View
Haven Savings Bank Updated 06/15/2022	6.19%	6.13% 0.00 points $0.00 fees	$2,316.64	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 05/02/2025	6.33%	6.13% 2.00 points $3,210.00 fees	$2,317.20	Learn MoreShow Less See Table View
Citibank, National Association Updated 06/15/2022	6.38%	6.25% 0.13 points $2,739.00 fees	$2,338.97	Learn MoreShow Less See Table View
Columbia Bank Updated 03/17/2023	6.57%	6.44% 0.00 points $0.00 fees	$2,374.36	Learn MoreShow Less See Table View
Manasquan Bank Updated 10/06/2023	7.63%	6.49% 0.00 points $0.00 fees	$2,383.76	Learn MoreShow Less See Table View
Provident Bank Updated 10/18/2022	7.13%	6.75% 0.00 points $0.00 fees	$2,433.16	Learn MoreShow Less See Table View
Merck Employees Credit Union Updated 06/15/2022 Restrictions	7.08%	7.00% 0.00 points $0.00 fees	$2,480.96	Learn MoreShow Less See Table View
Citadel Credit Union Updated 06/15/2022 Restrictions	7.05%	7.00% 0.00 points $5,145.00 fees	$2,480.96	Learn MoreShow Less See Table View
Connectone Bank Updated 12/20/2024	7.08%	7.08% 0.00 points $0.00 fees	$2,496.35	Learn MoreShow Less See Table View
Atlanta Postal Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $3,394.00 fees	$2,505.02	Learn MoreShow Less See Table View
Affinity Credit Union Updated 06/15/2022 Restrictions	7.20%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
United Nations Credit Union Updated 06/15/2022 Restrictions	7.16%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
State Employees Cu Of Maryland, Inc Credit Union Updated 06/15/2022 Restrictions	7.19%	7.13% 0.00 points $2,784.00 fees	$2,505.99	Learn MoreShow Less See Table View
Virginia Credit Union, Inc., Credit Union Updated 06/15/2022 Restrictions	7.41%	7.38% 0.38 points $2,784.00 fees	$2,554.47	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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New Jersey 20-Year Fixed Mortgage Rates 2025

New Jersey 20-Year Fixed Conforming Mortgage

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