MonitorBankRates
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Mortgage Rates Saddle Brook, New Jersey (NJ) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Saddle Brook, New Jersey. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Mortgage Rates Last Updated and Verified: April 5, 2026

Current 30-year fixed mortgage rates in Saddle Brook, New Jersey include Spencer Savings BankSpencer Savings Bank140 Market St, Saddle Brook, NJ, 07663A+5.0 ★Texas Ratio: 2.42% at 5.75%, Northfield BankNorthfield BankA+5.0 ★Texas Ratio: 1.88% at 5.25%, Ascendia BankAscendia BankA+5.0 ★Texas Ratio: 1.63% at 5.38%, Dime Community BankDime Community BankA+5.0 ★Texas Ratio: 1.70% at 5.62%, and Bogota Savings BankBogota Savings BankA5.0 ★Texas Ratio: 10.28% at 5.88%. Mortgage rates as of April 5, 2026 according to verified data from MonitorBankRates.

Saddle Brook has 1 local lender in our database, with mortgage rates as low as 5.50% from Spencer Savings Bank at 140 Market St, Saddle Brook, NJ, 07663. Use the tabs below to compare all available loan types and terms. Rates are continually updated — we recommend checking back frequently.

Mortgage Rates reflect actual verified offers from lenders actively lending to New Jersey borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: April 5, 2026

Compare Mortgage Rates Today in Saddle Brook, New Jersey & the Surrounding Area

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
30 Year Fixed Rate
5.75%
5.78%
View
▼
Rate5.75%
APR5.78%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
30 Year Fixed Rate
6.00%
6.03%
View
▼
Rate6.00%
APR6.03%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
30 Year Fixed Rate
6.25%
6.28%
View
▼
Rate6.25%
APR6.28%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
30 Year Fixed Rate
6.50%
6.53%
View
▼
Rate6.50%
APR6.53%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
Investment Property 30 Year Fixed
6.62%
6.67%
View
▼
Rate6.62%
APR6.67%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
30 Year Fixed
6.62%
6.69%
View
▼
Rate6.62%
APR6.69%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
30 Year Fixed Rate Affordable Mortgage
5.25%
5.30%
View
▼
Rate5.25%
APR5.30%
Points0.000
UpdatedApr 3, 2026
Details

Quoted rates include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. Affordable Mortgage Program available for Residential First Mortgage loans for owner-occupied primary 1 to 2-family residences for those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York and either: (a.) are purchasing or refinancing a home in a low or moderate-income (LMI) census tract OR (b.) whose income is less than 80% of the county median income. All loans are subject to credit approval. A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments. Rates and terms are current as 11/24/25 and are subject to change at anytime without prior notice.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
30 Year Fixed
30
5.38%
5.70%
View
▼
Rate5.38%
APR5.70%
Points3.000
UpdatedApr 4, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
30 Year Fixed - Affordable Housing Program3
5.62%
5.72%
View
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
30 Year Fixed
30
5.62%
5.86%
View
▼
Rate5.62%
APR5.86%
Points2.000
UpdatedApr 4, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
30-Year Fixed
30
5.88%
5.91%
View
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
30 Year Fixed Rate
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
30-Year Fixed
6.00%
6.00%
View
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
30 Year Fixed
30
5.88%
6.02%
View
▼
Rate5.88%
APR6.02%
Points1.000
UpdatedApr 4, 2026
Details

No additional details available.

Schuyler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
30 Year Fixed Rate
5.99%
6.05%
View
▼
Rate5.99%
APR6.05%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
30-Year Fixed
30-Year Term
5.88%
6.06%
View
▼
Rate5.88%
APR6.06%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
30 Year Fixed Rate
6.00%
6.06%
View
▼
Rate6.00%
APR6.06%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
30-Year Fixed
6.00%
6.07%
View
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
30 Year Fixed Conforming
30 Year
6.00%
6.08%
View
▼
Rate6.00%
APR6.08%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
30 Year Fixed
6.00%
6.10%
View
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
30-Year Fixed
6.12%
6.12%
View
▼
Rate6.12%
APR6.12%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
30 Year Fixed
30
6.12%
6.17%
View
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
30 Year Fixed-Rate Mortgage
6.12%
6.17%
View
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
30-Year Fixed
6.12%
6.17%
View
▼
Rate6.12%
APR6.17%
Points0.000
UpdatedApr 4, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
30 Year Mortgages
30
6.12%
6.18%
View
▼
Rate6.12%
APR6.18%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
30 Year Mortgages Purchase
30 Year
6.12%
6.18%
View
▼
Rate6.12%
APR6.18%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
30 Year Fixed Monthly
6.00%
6.22%
View
▼
Rate6.00%
APR6.22%
Points1.000
UpdatedMar 26, 2026
Details

No additional details available.

Royal Business Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
30-year fixed mortgage
6.22%
6.22%
View
▼
Rate6.22%
APR6.22%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
30 Year Fixed Rate
360
6.12%
6.24%
View
▼
Rate6.12%
APR6.24%
Points0.000
UpdatedMar 27, 2026
Details

APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
30-Year Fixed
30
6.25%
6.25%
View
▼
Rate6.25%
APR6.25%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
30 Year Mortgage
30 Year
6.18%
6.25%
View
▼
Rate6.18%
APR6.25%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Super Conforming Loans 30-Year Fixed
30
6.12%
6.29%
View
▼
Rate6.12%
APR6.29%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
30 Year Fixed Rate
30
6.25%
6.29%
View
▼
Rate6.25%
APR6.29%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Haven Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
30 Year Fixed Rate Mortgage
6.25%
6.33%
View
▼
Rate6.25%
APR6.33%
Points0.000
UpdatedApr 4, 2026
Details

Rates subject to change without notice.

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.85%
30 Year Fixed
30
6.25%
6.34%
View
▼
Rate6.25%
APR6.34%
Points0.000
UpdatedMar 25, 2026
Details

Rates assume a NY property

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
30 Year Fixed
6.25%
6.36%
View
▼
Rate6.25%
APR6.36%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
30 Year Fixed
6.25%
6.36%
View
▼
Rate6.25%
APR6.36%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
30-Year Fixed Mortgage
6.38%
6.38%
View
▼
Rate6.38%
APR6.38%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
30 Year Fixed Monthly
6.25%
6.38%
View
▼
Rate6.25%
APR6.38%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Conforming 30 Year Fixed
6.38%
6.41%
View
▼
Rate6.38%
APR6.41%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
30-Year Fixed
30
6.38%
6.43%
View
▼
Rate6.38%
APR6.43%
Points0.183
UpdatedApr 4, 2026
Details

No additional details available.

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
30 Year Fixed Rate Mortgage Purchase
6.38%
6.43%
View
▼
Rate6.38%
APR6.43%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
30 Year Fixed Rate Mortgage Refinance
6.38%
6.43%
View
▼
Rate6.38%
APR6.43%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
30 Year Fixed
6.38%
6.44%
View
▼
Rate6.38%
APR6.44%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
30 Year Fixed Mortgage Loan
30 Year
6.50%
6.50%
View
▼
Rate6.50%
APR6.50%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
30-Year Fixed
30
6.50%
6.54%
View
▼
Rate6.50%
APR6.54%
Points-0.251
UpdatedApr 4, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
30 Year Fixed
30
6.38%
6.55%
View
▼
Rate6.38%
APR6.55%
Points0.750
UpdatedMar 25, 2026
Details

As Low As

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
30-Year Fixed Rate Non-Owner Occupied
30
6.50%
6.56%
View
▼
Rate6.50%
APR6.56%
Points0.190
UpdatedApr 4, 2026
Details

No additional details available.

Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
30-Year Fixed
6.50%
6.57%
View
▼
Rate6.50%
APR6.57%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
30-Year Fixed Rate
6.50%
6.58%
View
▼
Rate6.50%
APR6.58%
Points0.250
UpdatedMar 25, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
15 Year Fixed Rate
5.50%
5.55%
View
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
15 Year Fixed Rate
5.75%
5.80%
View
▼
Rate5.75%
APR5.80%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
15 Year Fixed Rate
6.00%
6.05%
View
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
15 Year Fixed Rate
6.25%
6.30%
View
▼
Rate6.25%
APR6.30%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
Investment Property 15 Year Fixed
7.00%
7.01%
View
▼
Rate7.00%
APR7.01%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
15 Year Fixed
7.00%
7.14%
View
▼
Rate7.00%
APR7.14%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed
15
5.00%
5.29%
View
▼
Rate5.00%
APR5.29%
Points1.500
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Rate
15-Year
5.00%
5.31%
View
▼
Rate5.00%
APR5.31%
Points1.500
UpdatedApr 4, 2026
Details

No additional details available.

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
15 Year Fixed Rate Mortgage Purchase
5.25%
5.34%
View
▼
Rate5.25%
APR5.34%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Crest Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
15 Year Fixed Rate Mortgage Refinance
5.25%
5.34%
View
▼
Rate5.25%
APR5.34%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed
15
5.12%
5.36%
View
▼
Rate5.12%
APR5.36%
Points1.125
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Rate
15-Year
5.12%
5.38%
View
▼
Rate5.12%
APR5.38%
Points1.125
UpdatedApr 4, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
15 Year Fixed
15
4.88%
5.42%
View
▼
Rate4.88%
APR5.42%
Points3.000
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed
15
5.25%
5.42%
View
▼
Rate5.25%
APR5.42%
Points0.750
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Rate
15-Year
5.25%
5.44%
View
▼
Rate5.25%
APR5.44%
Points0.750
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed
15
5.38%
5.49%
View
▼
Rate5.38%
APR5.49%
Points0.375
UpdatedApr 4, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
15 Year Fixed Rate
5.50%
5.50%
View
▼
Rate5.50%
APR5.50%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Rate
15-Year
5.38%
5.51%
View
▼
Rate5.38%
APR5.51%
Points0.375
UpdatedApr 4, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
15 Year Fixed
15
5.12%
5.51%
View
▼
Rate5.12%
APR5.51%
Points2.000
UpdatedApr 4, 2026
Details

No additional details available.

1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
15 Year Fixed Rate
15
5.50%
5.55%
View
▼
Rate5.50%
APR5.55%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed
15
5.50%
5.56%
View
▼
Rate5.50%
APR5.56%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Rate
15-Year
5.50%
5.58%
View
▼
Rate5.50%
APR5.58%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Northfield Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
15 Year Fixed Rate
5.50%
5.59%
View
▼
Rate5.50%
APR5.59%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
15-Year Fixed
5.50%
5.60%
View
▼
Rate5.50%
APR5.60%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Schuyler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
15 Year Fixed Rate
5.50%
5.61%
View
▼
Rate5.50%
APR5.61%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
15 Year Fixed
15
5.38%
5.61%
View
▼
Rate5.38%
APR5.61%
Points1.000
UpdatedApr 4, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
15-Year Fixed Mortgage
5.62%
5.62%
View
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedMar 25, 2026
Details

As Low As; POINTS MAY APPLY

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
15-Year Fixed
5.62%
5.62%
View
▼
Rate5.62%
APR5.62%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
15-Year Fixed
15-Year Term
5.38%
5.67%
View
▼
Rate5.38%
APR5.67%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

Ascendia Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
15 Year Fixed
15
5.62%
5.70%
View
▼
Rate5.62%
APR5.70%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
15-Year Fixed
5.75%
5.75%
View
▼
Rate5.75%
APR5.75%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

First Financial Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.12%
15 Year Fixed Conforming
15 Year
5.62%
5.75%
View
▼
Rate5.62%
APR5.75%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
15-Year Fixed
15
5.50%
5.76%
View
▼
Rate5.50%
APR5.76%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

NVE Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.31%
15 Year Fixed
5.62%
5.81%
View
▼
Rate5.62%
APR5.81%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Ion Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.95%
15 Year Fixed
5.62%
5.81%
View
▼
Rate5.62%
APR5.81%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.84%
15-Year Fixed Mortgage
5.75%
5.82%
View
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
15 Year Fixed Monthly
5.62%
5.82%
View
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 26, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
15 Year Fixed
5.75%
5.85%
View
▼
Rate5.75%
APR5.85%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

First Hope Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.43%
15 Year Fixed Monthly
5.50%
5.85%
View
▼
Rate5.50%
APR5.85%
Points1.000
UpdatedMar 26, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
15-Year Fixed
15
5.88%
5.88%
View
▼
Rate5.88%
APR5.88%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
15 Year Fixed
15
5.62%
5.92%
View
▼
Rate5.62%
APR5.92%
Points0.750
UpdatedMar 25, 2026
Details

As Low As

Unity Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.29%
Conforming 15 Year Fixed
5.88%
5.93%
View
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedMar 29, 2026
Details

No additional details available.

Kearny Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
15 Year Fixed Rate
180
5.75%
5.93%
View
▼
Rate5.75%
APR5.93%
Points0.000
UpdatedMar 27, 2026
Details

APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.

Motion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.79%
15-Year Fixed
5.88%
5.99%
View
▼
Rate5.88%
APR5.99%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
15-Year Fixed Rate
5.88%
5.99%
View
▼
Rate5.88%
APR5.99%
Points0.250
UpdatedMar 25, 2026
Details

Rates shown include 0.125% autopay and paperless discount.

Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.28%
15-Year Fixed Rate
5.88%
6.00%
View
▼
Rate5.88%
APR6.00%
Points0.250
UpdatedMar 25, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Super Conforming Loans 15-Year Fixed
15
5.75%
6.01%
View
▼
Rate5.75%
APR6.01%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Peoples Security Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.05%
15 Year Fixed Rate
6.00%
6.02%
View
▼
Rate6.00%
APR6.02%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
15 Year Fixed
5.88%
6.04%
View
▼
Rate5.88%
APR6.04%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
15-Year Fixed
180
5.75%
6.05%
View
▼
Rate5.75%
APR6.05%
Points0.829
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
5/1/30 Year ARM HomeHelper
4.88%
5.97%
View
▼
Rate4.88%
APR5.97%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
5/1/30 Year Adjustable Rate
5.12%
6.07%
View
▼
Rate5.12%
APR6.07%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
5/5/30 Year Adjustable Rate
5.38%
6.09%
View
▼
Rate5.38%
APR6.09%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
5/1/30 Year Adjustable Rate
5.38%
6.17%
View
▼
Rate5.38%
APR6.17%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
5/5/30 Year Adjustable Rate
5.62%
6.19%
View
▼
Rate5.62%
APR6.19%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
5/1/30 Year Adjustable Rate
5.62%
6.26%
View
▼
Rate5.62%
APR6.26%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
7/1/30 Year ARM HomeHelper
5.88%
6.27%
View
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
5/5/30 Year Adjustable Rate
5.88%
6.28%
View
▼
Rate5.88%
APR6.28%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
5/1/30 Year Adjustable Rate
5.88%
6.36%
View
▼
Rate5.88%
APR6.36%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
5/5/30 Year Adjustable Rate
6.12%
6.38%
View
▼
Rate6.12%
APR6.38%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
7/1/30 Year Adjustable Rate
6.12%
6.40%
View
▼
Rate6.12%
APR6.40%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
7/1/30 Year Adjustable Rate
6.38%
6.53%
View
▼
Rate6.38%
APR6.53%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
10/1/30 Year Adjustable Rate
6.50%
6.58%
View
▼
Rate6.50%
APR6.58%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
7/1/30 Year Adjustable Rate
6.62%
6.66%
View
▼
Rate6.62%
APR6.66%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
10/1/30 Year Adjustable Rate
6.75%
6.74%
View
▼
Rate6.75%
APR6.74%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
7/1/30 Year Adjustable Rate
6.88%
6.79%
View
▼
Rate6.88%
APR6.79%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
10/1/30 Year Adjustable Rate
7.00%
6.91%
View
▼
Rate7.00%
APR6.91%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
Investment Property 5/1/30 Year ARM
6.00%
6.93%
View
▼
Rate6.00%
APR6.93%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
5/1/30 Year ARM
6.00%
6.96%
View
▼
Rate6.00%
APR6.96%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
10/1/30 Year Adjustable Rate
7.25%
7.08%
View
▼
Rate7.25%
APR7.08%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
Investment Property 7/1/30 Year ARM
6.88%
7.21%
View
▼
Rate6.88%
APR7.21%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Spencer Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
140 Market St, Saddle Brook, NJ, 07663
7/1/30 Year ARM
6.88%
7.24%
View
▼
Rate6.88%
APR7.24%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
5/6 ARM
5.25%
5.61%
View
▼
Rate5.25%
APR5.61%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
7/1 ARM2 - Affordable Housing Program3
5.00%
5.65%
View
▼
Rate5.00%
APR5.65%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

ConnectOne Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
7/6 ARM
5.38%
5.70%
View
▼
Rate5.38%
APR5.70%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
7/1
30-Year Term
5.38%
5.86%
View
▼
Rate5.38%
APR5.86%
Points0.000
UpdatedApr 5, 2026
Details

Fixed for 7 years and then adjusts yearly.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
7/1 Adjustable Rate
30-Year Term
5.38%
5.86%
View
▼
Rate5.38%
APR5.86%
Points0.000
UpdatedApr 5, 2026
Details

Fixed for 7 years and then adjusts yearly.

Schuyler Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
5/1/30 ARM
4.99%
5.90%
View
▼
Rate4.99%
APR5.90%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
7/1 ARM2
5.50%
5.90%
View
▼
Rate5.50%
APR5.90%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Dime Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.70%
5/1 ARM2
5.38%
5.92%
View
▼
Rate5.38%
APR5.92%
Points0.000
UpdatedMar 25, 2026
Details

No additional details available.

Nova UA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
10/6 months/30 Year Adjustable rate
5.62%
5.93%
View
▼
Rate5.62%
APR5.93%
Points0.000
UpdatedApr 5, 2026
Details

No additional details available.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
10/1 Adjustable Rate
30-Year Term
5.62%
5.93%
View
▼
Rate5.62%
APR5.93%
Points0.000
UpdatedApr 5, 2026
Details

Fixed for 10 years and then adjusts yearly.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
5/1
30-Year Term
5.38%
5.94%
View
▼
Rate5.38%
APR5.94%
Points0.000
UpdatedApr 5, 2026
Details

Fixed for 5 years and then adjusts yearly.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
5/1 Adjustable Rate
30-Year Term
5.38%
5.94%
View
▼
Rate5.38%
APR5.94%
Points0.000
UpdatedApr 5, 2026
Details

Fixed for 5 years and then adjusts yearly.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
5 Year Adjustable (ARM)
5.88%
5.95%
View
▼
Rate5.88%
APR5.95%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
7/30 ARM Jumbo
5.25%
5.95%
View
▼
Rate5.25%
APR5.95%
Points1.500
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
7/30 ARM Jumbo
7/30
5.25%
5.96%
View
▼
Rate5.25%
APR5.96%
Points1.500
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
7/30 ARM Jumbo
5.38%
5.98%
View
▼
Rate5.38%
APR5.98%
Points1.125
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
7/30 ARM Jumbo
7/30
5.38%
5.99%
View
▼
Rate5.38%
APR5.99%
Points1.125
UpdatedApr 4, 2026
Details

No additional details available.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3/1
30-Year Term
5.25%
5.99%
View
▼
Rate5.25%
APR5.99%
Points0.000
UpdatedApr 5, 2026
Details

Fixed for 3 years and then adjusts yearly.

Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.01%
3/1 Adjustable Rate
30-Year Term
5.25%
5.99%
View
▼
Rate5.25%
APR5.99%
Points0.000
UpdatedApr 5, 2026
Details

Fixed for 3 years and then adjusts yearly.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
7/1 Year ARM4
7/1 Year ARM4
5.38%
5.99%
View
▼
Rate5.38%
APR5.99%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
7/1 Year ARM4 Mortgage
7/1 Year ARM4
5.38%
5.99%
View
▼
Rate5.38%
APR5.99%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5/6 SOFR - Jumbo Loan Amount
5.75%
6.00%
View
▼
Rate5.75%
APR6.00%
Points0.000
UpdatedApr 3, 2026
Details

$832,751-$2,000,000

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
Jumbo Loans 5 Year Adjustable (ARM)
6.00%
6.01%
View
▼
Rate6.00%
APR6.01%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
7/30 ARM Jumbo
5.50%
6.01%
View
▼
Rate5.50%
APR6.01%
Points0.750
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
7/30 ARM Jumbo
7/30
5.50%
6.01%
View
▼
Rate5.50%
APR6.01%
Points0.750
UpdatedApr 4, 2026
Details

No additional details available.

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
5/6 SOFR
5.38%
6.03%
View
▼
Rate5.38%
APR6.03%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
5/1 Year ARM4
5/1 Year ARM4
5.12%
6.03%
View
▼
Rate5.12%
APR6.03%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
5/1 Year ARM4 Mortgage
5/1 Year ARM4
5.12%
6.03%
View
▼
Rate5.12%
APR6.03%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Jumbo
15
5.00%
5.25%
View
▼
Rate5.00%
APR5.25%
Points1.500
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Rate Jumbo
15-Year
5.00%
5.25%
View
▼
Rate5.00%
APR5.25%
Points1.500
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Jumbo
15
5.12%
5.31%
View
▼
Rate5.12%
APR5.31%
Points1.125
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Rate Jumbo
15-Year
5.12%
5.32%
View
▼
Rate5.12%
APR5.32%
Points1.125
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Jumbo
15
5.25%
5.38%
View
▼
Rate5.25%
APR5.38%
Points0.750
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Rate Jumbo
15-Year
5.25%
5.39%
View
▼
Rate5.25%
APR5.39%
Points0.750
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Jumbo
15
5.38%
5.45%
View
▼
Rate5.38%
APR5.45%
Points0.375
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Rate Jumbo
15-Year
5.38%
5.45%
View
▼
Rate5.38%
APR5.45%
Points0.375
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Jumbo
15
5.50%
5.52%
View
▼
Rate5.50%
APR5.52%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
15-Year Fixed Rate Jumbo
15-Year
5.50%
5.52%
View
▼
Rate5.50%
APR5.52%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
15 Year Jumbo - Loan Amount
15
5.88%
5.91%
View
▼
Rate5.88%
APR5.91%
Points0.000
UpdatedApr 3, 2026
Details

$832,751-$2,000,000

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
10 Year Jumbo - Loan Amount
10
5.88%
5.93%
View
▼
Rate5.88%
APR5.93%
Points0.000
UpdatedApr 3, 2026
Details

$832,751-$2,000,000

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
15 Year Jumbo - Loan Amount
15
5.75%
5.95%
View
▼
Rate5.75%
APR5.95%
Points1.000
UpdatedApr 3, 2026
Details

$832,751-$2,000,000

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
Jumbo Loan
5.88%
6.01%
View
▼
Rate5.88%
APR6.01%
Points1.125
UpdatedMar 28, 2026
Details

As Low As; Rates as low as 5.875% (6.007% APR)

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
Jumbo Loans 10 Year Fixed
6.00%
6.02%
View
▼
Rate6.00%
APR6.02%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
10 Year Jumbo - Loan Amount
10
5.75%
6.03%
View
▼
Rate5.75%
APR6.03%
Points1.000
UpdatedApr 3, 2026
Details

$832,751-$2,000,000

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Loans 10-Year Fixed
10
5.75%
6.12%
View
▼
Rate5.75%
APR6.12%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
15 Year Jumbo
15 Year Jumbo
6.10%
6.12%
View
▼
Rate6.10%
APR6.12%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
15 Year Jumbo Mortgage
15 Year Jumbo
6.10%
6.12%
View
▼
Rate6.10%
APR6.12%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
Jumbo Loans 20 Year Fixed
6.12%
6.14%
View
▼
Rate6.12%
APR6.14%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
Jumbo Loans 15 Year Fixed
6.12%
6.14%
View
▼
Rate6.12%
APR6.14%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Loans 15-Year Fixed
15
5.88%
6.14%
View
▼
Rate5.88%
APR6.14%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Loans 20-Year Fixed
20
6.00%
6.21%
View
▼
Rate6.00%
APR6.21%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
20 Year Jumbo - Loan Amount
20
6.25%
6.28%
View
▼
Rate6.25%
APR6.28%
Points0.000
UpdatedApr 3, 2026
Details

$832,751-$2,000,000

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
20 Year Jumbo - Loan Amount
20
6.12%
6.28%
View
▼
Rate6.12%
APR6.28%
Points1.000
UpdatedApr 3, 2026
Details

$832,751-$2,000,000

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Loans 25-Year Fixed
25
6.12%
6.31%
View
▼
Rate6.12%
APR6.31%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
30 Year Jumbo - Loan Amount
30
6.25%
6.37%
View
▼
Rate6.25%
APR6.37%
Points1.000
UpdatedApr 3, 2026
Details

$832,751-$2,000,000

USALLIANCE
Institution Rating:
B4.5 ★Texas Ratio: 21.07%
Jumbo Loans 30 Year Fixed
6.38%
6.38%
View
▼
Rate6.38%
APR6.38%
Points0.000
UpdatedMar 29, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Jumbo 30 Year Fixed
30
6.25%
6.39%
View
▼
Rate6.25%
APR6.39%
Points1.000
UpdatedMar 25, 2026
Details

As Low As

TrustCo Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
First Mortgage, Jumbo (30 Year)
6.38%
6.39%
View
▼
Rate6.38%
APR6.39%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Magyar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
30 Year Jumbo - Loan Amount
30
6.38%
6.40%
View
▼
Rate6.38%
APR6.40%
Points0.000
UpdatedApr 3, 2026
Details

$832,751-$2,000,000

Bogota Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Loans 30-Year Fixed
30
6.25%
6.41%
View
▼
Rate6.25%
APR6.41%
Points0.000
UpdatedApr 3, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
30 Year Jumbo
30 Year Jumbo
6.87%
6.88%
View
▼
Rate6.87%
APR6.88%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
30 Year Jumbo Mortgage
30 Year Jumbo
6.87%
6.88%
View
▼
Rate6.87%
APR6.88%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Jumbo
360
7.17%
7.32%
View
▼
Rate7.17%
APR7.32%
Points0.906
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year Jumbo
360
7.58%
7.62%
View
▼
Rate7.58%
APR7.62%
Points-0.087
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
First Commonwealth Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.91%
Mortgage - FHA
30 Years
6.00%
6.37%
View
▼
Rate6.00%
APR6.37%
Points0.000
UpdatedApr 4, 2026
Details

As Low As; Subject to credit approval. Rates, terms, and information are subject to change at any time. Rates offered are dependent on credit score at application. Rates are locked for 60 days. Loans with less than 20% down payment will require private mortgage insurance. NMLS 595144

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
30 Year FHA Fixed
30
5.50%
6.37%
View
▼
Rate5.50%
APR6.37%
Points1.000
UpdatedMar 24, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
15 Year FHA
15 Year FHA
5.62%
6.50%
View
▼
Rate5.62%
APR6.50%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
15 Year FHA Mortgage
15 Year FHA
5.62%
6.50%
View
▼
Rate5.62%
APR6.50%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
FHA Loan
5.62%
6.51%
View
▼
Rate5.62%
APR6.51%
Points0.000
UpdatedMar 28, 2026
Details

As Low As; Rates as low as 5.625% (6.508% APR)

1st Colonial Community Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.29%
30 Year FHA Fixed
30
5.88%
6.66%
View
▼
Rate5.88%
APR6.66%
Points0.000
UpdatedMar 24, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
30 Year FHA
30 Year FHA
5.88%
6.71%
View
▼
Rate5.88%
APR6.71%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
30 Year FHA Mortgage
30 Year FHA
5.88%
6.71%
View
▼
Rate5.88%
APR6.71%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Firstrust Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
30-Year FHA Fixed
5.88%
6.72%
View
▼
Rate5.88%
APR6.72%
Points0.000
UpdatedApr 2, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year FHA
360
6.10%
7.33%
View
▼
Rate6.10%
APR7.33%
Points0.896
UpdatedMar 29, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year FHA
360
6.60%
7.72%
View
▼
Rate6.60%
APR7.72%
Points-0.274
UpdatedMar 29, 2026
Details

No additional details available.

Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
VA Loan
5.62%
5.91%
View
▼
Rate5.62%
APR5.91%
Points0.000
UpdatedMar 28, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year VA
360
6.10%
6.49%
View
▼
Rate6.10%
APR6.49%
Points0.898
UpdatedMar 29, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
30 Year VA
30 Year VA
5.88%
6.71%
View
▼
Rate5.88%
APR6.71%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
30 Year VA Mortgage
30 Year VA
5.88%
6.71%
View
▼
Rate5.88%
APR6.71%
Points0.000
UpdatedApr 4, 2026
Details

No additional details available.

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
30-Year VA
360
6.60%
6.88%
View
▼
Rate6.60%
APR6.88%
Points-0.277
UpdatedMar 29, 2026
Details

No additional details available.

The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.

Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.

Mortgage Calculators

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Saddle Brook, NJ Mortgage Rate Trends

Compare local Saddle Brook, NJ mortgage rate quotes against the statewide average

Daily mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full New Jersey Mortgage Trends →
30-Year Fixed — NJ Avg
6.441%
▲ 0.006 vs 7 days ago

New Jersey 30-year fixed rates rose 0.006 points over the past 7 days to 6.441%.

15-Year Fixed — NJ Avg
6.107%
▼ 0.040 vs 7 days ago

New Jersey 15-year fixed rates fell 0.040 points over the past 7 days to 6.107%.

As of Apr 7, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Saddle Brook, New Jersey directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Saddle Brook, New Jersey. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in NJ.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.

Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.

Frequently Asked Questions about Mortgage Rates in Saddle Brook, New Jersey

How does my credit score affect my rate in New Jersey?

Your credit score is a major factor. Generally, borrowers in Saddle Brook, New Jersey with higher credit scores (760+) receive the lowest interest rates.

What is a 30-Year Fixed Mortgage?

A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in New Jersey because it offers lower monthly payments compared to shorter-term loans.

What are closing costs in New Jersey?

Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In New Jersey, these may include appraisal fees, title insurance, and recording fees.

Should I lock my mortgage rate?

If you are satisfied with the current rate and worried rates might rise before closing on your home in Saddle Brook, New Jersey, locking your rate is a good idea. It guarantees your rate for a specific period.

What is an Adjustable-Rate Mortgage (ARM)?

An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.

What is a Jumbo Loan in Saddle Brook, New Jersey?

A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of New Jersey, these limits are higher. These loans typically require stronger credit and larger down payments.

Do I need 20% down to buy a house in New Jersey?

No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Saddle Brook, New Jersey offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.

What is the difference between Interest Rate and APR?

The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.

How do I find the best lender in Saddle Brook, New Jersey?

Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.

What are the best Mortgage rates in Saddle Brook, New Jersey?

  • Spencer Savings Bank: 5.75% (30 Year Fixed Rate)
  • Northfield Bank: 5.25% (30 Year Fixed Rate Affordable Mortgage)
  • Ascendia Bank: 5.38% (30 Year Fixed)
  • Dime Community Bank: 5.62% (30 Year Fixed - Affordable Housing Program3)
  • Bogota Savings Bank: 5.88% (30-Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to New Jersey borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: April 5, 2026

Saddle Brook, New Jersey Rates & Resources

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