ATLANTIC CITY - HAMMONTON Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Atlantic City - Hammonton averaged
6.93%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.96% and
one month ago for the week of 2025-05-15, the
average rate was 6.83%.
Atlantic City - Hammonton's average rate one year ago was 7.37%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.1%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Atlantic City - Hammonton 30 Year Fixed Rate | 2025-06-18 | 6.93% |
| Atlantic City - Hammonton 30 Year Fixed Rate Refi | 2025-06-18 | 7.1% |
| Atlantic City - Hammonton 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Atlantic City - Hammonton 15 Year Fixed Rate Refi | 2025-06-18 | 5.86% |
| Atlantic City - Hammonton 30 Year FHA | 2025-06-18 | 0.21% |
| Atlantic City - Hammonton 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Atlantic City - Hammonton 30 Year USDA | 2025-06-18 | -0.2% |
| Atlantic City - Hammonton 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Atlantic City - Hammonton 30 Year VA | 2025-06-18 | 0.13% |
| Atlantic City - Hammonton 30 Year VA Refi | 2025-06-18 | -0.2% |
ATLANTIC CITY - HAMMONTON Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the ATLANTIC CITY-HAMMONTON, NJ market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
ATLANTIC CITY - HAMMONTON Average Closing Costs & Other Stats
ATLANTIC CITY-HAMMONTON, NJ's 194 lenders originated 5,493
loans during 2024. The total origination value was $1,507,425,000, with an average loan value of
$274,427.
ATLANTIC CITY - HAMMONTON's average closing costs are $5,898.
The top ATLANTIC CITY - HAMMONTON lender as defined by loan originations is Advisors Mortgage Group, L.L.C., with
233 loans originated. Their average total fees are
$5,804, which is $410
higher than the next largest lender,
GREENTREE MORTGAGE COMPANY, L.P..
The lowest fee ATLANTIC CITY - HAMMONTON lenders (with over 10 loans originated) are
POLICE & FIRE ($3,113), Wells Fargo Bank ($4,107), OceanFirst Bank ($4,863), 1st Colonial Community Bank ($5,221) and AFFORDABLE MORTGAGE ADVISORS, LLC. ($5,258).
The lowest rate ATLANTIC CITY - HAMMONTON lenders (with over 10 loans originated) are
Bank of America (5.90%), Morgan Stanley Private Bank (6.00%), NAVY FEDERAL CREDIT UNION (6.33%), OceanFirst Bank (6.38%) and POLICE & FIRE (6.44%).
ATLANTIC CITY-HAMMONTON, NJ Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Advisors Mortgage Group, L.L.C. | $95,795,000 | $98,055,000 | 2.4% | 6.5% |
| GREENTREE MORTGAGE COMPANY, L.P. | $78,115,000 | $70,720,000 | -9.5% | 4.7% |
| QUICKEN LOANS, LLC | $52,205,000 | $69,395,000 | 32.9% | 4.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $37,290,000 | $65,990,000 | 77.0% | 4.4% |
| Citizens Bank | $57,710,000 | $55,575,000 | -3.7% | 3.7% |
| TD Bank | $55,570,000 | $48,040,000 | -13.6% | 3.2% |
| OceanFirst Bank | $56,305,000 | $44,465,000 | -21.0% | 2.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $27,320,000 | $41,770,000 | 52.9% | 2.8% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $41,325,000 | n/a | 2.7% | |
| NATION ONE MORTGAGE CORPORATION | $33,090,000 | $36,570,000 | 10.5% | 2.4% |
| GUARANTEED RATE, INC. | $27,405,000 | $28,800,000 | 5.1% | 1.9% |
| Prosperity Home Mortgage, LLC | $27,625,000 | $28,580,000 | 3.5% | 1.9% |
| Bank of America | $31,230,000 | $27,640,000 | -11.5% | 1.8% |
| PENNYMAC LOAN SERVICES, LLC | $9,930,000 | $25,215,000 | 153.9% | 1.7% |
| RF Renovo Management Company, LLC | $16,400,000 | $23,280,000 | 42.0% | 1.5% |
| Fulton Bank | $19,465,000 | $22,630,000 | 16.3% | 1.5% |
| U.S. Bank | $16,255,000 | $18,270,000 | 12.4% | 1.2% |
| Wells Fargo Bank | $62,430,000 | $18,060,000 | -71.1% | 1.2% |
| NEWREZ LLC | $8,070,000 | $17,865,000 | 121.4% | 1.2% |
| PNC Bank | $22,635,000 | $17,665,000 | -22.0% | 1.2% |
| BROKER SOLUTIONS, INC. | $3,830,000 | $17,190,000 | 348.8% | 1.1% |
| DHI MORTGAGE COMPANY, LTD. | $11,050,000 | $16,350,000 | 48.0% | 1.1% |
| LOANDEPOT.COM, LLC | $7,670,000 | $15,615,000 | 103.6% | 1.0% |
| CMG MORTGAGE, INC. | $9,425,000 | $15,230,000 | 61.6% | 1.0% |
| Morgan Stanley Private Bank | $13,960,000 | $15,045,000 | 7.8% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $3,710,000 | $14,600,000 | 293.5% | 1.0% |
| POLICE & FIRE | $9,640,000 | $14,230,000 | 47.6% | 0.9% |
| UNION HOME MORTGAGE CORP. | $13,370,000 | $14,085,000 | 5.3% | 0.9% |
| LENDINGHOME FUNDING CORPORATION | $7,260,000 | $14,040,000 | 93.4% | 0.9% |
| NFM, INC. | $14,740,000 | $13,570,000 | -7.9% | 0.9% |
| JPMorgan Chase Bank | $17,240,000 | $13,330,000 | -22.7% | 0.9% |
| Wilmington Savings Fund Society, FSB | $9,755,000 | $13,285,000 | 36.2% | 0.9% |
| GREYSTONE SERVICING COMPANY LLC | $12,745,000 | n/a | 0.8% | |
| Gateway First Bank | $14,915,000 | $12,680,000 | -15.0% | 0.8% |
| Mortgage Research Center, LLC | $9,020,000 | $11,455,000 | 27.0% | 0.8% |
| Customers Bank | $10,805,000 | n/a | 0.7% | |
| Truist | $13,410,000 | $10,770,000 | -19.7% | 0.7% |
| 1st Colonial Community Bank | $19,830,000 | $10,700,000 | -46.0% | 0.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $12,650,000 | $10,220,000 | -19.2% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $9,200,000 | $9,930,000 | 7.9% | 0.7% |
| ALLIED MORTGAGE GROUP, INC. | $6,065,000 | $9,175,000 | 51.3% | 0.6% |
| M&T Bank | $2,885,000 | $9,105,000 | 215.6% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,485,000 | $8,345,000 | 52.1% | 0.6% |
| Firstrust Savings Bank | $6,130,000 | $7,335,000 | 19.7% | 0.5% |
| MOVEMENT MORTGAGE, LLC | $3,020,000 | $7,275,000 | 140.9% | 0.5% |
| TRUMARK FINANCIAL CREDIT UNION | $9,990,000 | $6,190,000 | -38.0% | 0.4% |
| Meridian Bank Corporation | $6,420,000 | $6,175,000 | -3.8% | 0.4% |
| JERSEY SHORE FEDERAL CREDIT UNION | $7,015,000 | $5,950,000 | -15.2% | 0.4% |
| Tompkins Trust Company | $225,000 | $5,860,000 | 2,504.4% | 0.4% |
| Amalgamated Bank | $5,705,000 | n/a | 0.4% | |
| Univest Bank and Trust Co. | $10,065,000 | $5,615,000 | -44.2% | 0.4% |
| UBS Bank USA | $7,780,000 | $5,530,000 | -28.9% | 0.4% |
| Valley National Bank | $10,495,000 | $5,335,000 | -49.2% | 0.4% |
| AMERISAVE MORTGAGE CORPORATION | $4,415,000 | $5,215,000 | 18.1% | 0.3% |
| Acre Mortgage and Financial Inc | $4,065,000 | $5,005,000 | 23.1% | 0.3% |
| BNY Mellon | $405,000 | $5,005,000 | 1,135.8% | 0.3% |
| DEEPHAVEN MORTGAGE LLC | $1,275,000 | $4,795,000 | 276.1% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $5,595,000 | $4,745,000 | -15.2% | 0.3% |
| Quaint Oak Mortgage, LLC | $1,890,000 | $4,705,000 | 148.9% | 0.3% |
| ENVOY MORTGAGE, LTD | $750,000 | $4,660,000 | 521.3% | 0.3% |
| Discover Bank | $2,645,000 | $4,610,000 | 74.3% | 0.3% |
| The Loan Store, Inc. | $165,000 | $4,610,000 | 2,693.9% | 0.3% |
| Diamond Credit Union | $4,440,000 | n/a | 0.3% | |
| VILLAGE CAPITAL MORTGAGE | $985,000 | $4,365,000 | 343.1% | 0.3% |
| EMM LOANS LLC | $3,785,000 | $4,355,000 | 15.1% | 0.3% |
| CITADEL FEDERAL CREDIT UNION | $2,275,000 | $4,295,000 | 88.8% | 0.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $5,135,000 | $4,185,000 | -18.5% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,935,000 | $3,930,000 | 33.9% | 0.3% |
| NP, Inc. | $335,000 | $3,915,000 | 1,068.7% | 0.3% |
| Century Savings Bank | $45,000 | $3,875,000 | 8,511.1% | 0.3% |
| Raymond James Bank | $1,355,000 | $3,570,000 | 163.5% | 0.2% |
| SOUTH JERSEY | $3,395,000 | $3,495,000 | 2.9% | 0.2% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | $3,395,000 | n/a | 0.2% | |
| Paramount Residential Mortgage Group, Inc. | $2,870,000 | $3,370,000 | 17.4% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $3,460,000 | $3,325,000 | -3.9% | 0.2% |
| OCMBC, INC. | $900,000 | $3,285,000 | 265.0% | 0.2% |
| ABCO Federal Credit Union | $1,825,000 | $3,280,000 | 79.7% | 0.2% |
| United Savings Bank | $3,270,000 | n/a | 0.2% | |
| Sturdy Savings Bank | $1,845,000 | $3,150,000 | 70.7% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $1,140,000 | $3,030,000 | 165.8% | 0.2% |
| Flagstar Bank, FSB | $1,920,000 | $2,950,000 | 53.6% | 0.2% |
| AMERICAN HERITAGE FCU | $3,305,000 | $2,920,000 | -11.6% | 0.2% |
| Figure Lending LLC | $2,035,000 | $2,890,000 | 42.0% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $2,860,000 | $2,855,000 | -0.2% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $1,030,000 | $2,795,000 | 171.4% | 0.2% |
| Citibank | $6,160,000 | $2,770,000 | -55.0% | 0.2% |
| The Victory Bank | $5,865,000 | $2,685,000 | -54.2% | 0.2% |
| United Nations Federal Credit Union | $620,000 | $2,670,000 | 330.6% | 0.2% |
| PLANET HOME LENDING, LLC | $925,000 | $2,645,000 | 185.9% | 0.2% |
| CARDINAL FINANCIAL | $4,735,000 | $2,625,000 | -44.6% | 0.2% |
| The First National Bank of Elmer | $985,000 | $2,590,000 | 162.9% | 0.2% |
| DEVELOPER'S MORTGAGE COMPANY | $2,645,000 | $2,500,000 | -5.5% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $1,910,000 | $2,475,000 | 29.6% | 0.2% |
| Bethpage Federal Credit Union | $570,000 | $2,445,000 | 328.9% | 0.2% |
| Equity Prime Mortgage LLC | $4,240,000 | $2,380,000 | -43.9% | 0.2% |
| Hometown Equity Mortgage, LLC | $1,085,000 | $2,365,000 | 118.0% | 0.2% |
| FINANCE OF AMERICA REVERSE LLC | $1,705,000 | $2,360,000 | 38.4% | 0.2% |
| Parke Bank | $1,465,000 | $2,320,000 | 58.4% | 0.2% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $1,450,000 | $2,280,000 | 57.2% | 0.2% |
| LENDINGONE, LLC | $1,230,000 | $2,220,000 | 80.5% | 0.1% |
| First Citizens Community Bank | $2,465,000 | $2,185,000 | -11.4% | 0.1% |
| EMBRACE HOME LOANS, INC. | $675,000 | $2,135,000 | 216.3% | 0.1% |
| First National Bank of Absecon | $3,360,000 | $2,115,000 | -37.1% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $2,855,000 | $2,080,000 | -27.1% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $2,010,000 | $2,075,000 | 3.2% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $460,000 | $2,070,000 | 350.0% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,645,000 | $1,965,000 | 19.5% | 0.1% |
| USAA Federal Savings Bank | $1,425,000 | $1,960,000 | 37.5% | 0.1% |
| PINNACLE MORTGAGE, INC. | $6,830,000 | $1,945,000 | -71.5% | 0.1% |
| BAY EQUITY LLC | $925,000 | $1,940,000 | 109.7% | 0.1% |
| Coastal Community Bank | $985,000 | $1,940,000 | 97.0% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $5,015,000 | $1,930,000 | -61.5% | 0.1% |
| Presidential Bank, FSB | $765,000 | $1,885,000 | 146.4% | 0.1% |
| MEMBER FIRST MORTGAGE, LLC | $1,495,000 | $1,875,000 | 25.4% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $845,000 | $1,820,000 | 115.4% | 0.1% |
| Webster Bank | $1,820,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $1,265,000 | $1,795,000 | 41.9% | 0.1% |
| Charles Schwab Bank, SSB | $5,720,000 | $1,785,000 | -68.8% | 0.1% |
| Columbia Bank | $2,535,000 | $1,735,000 | -31.6% | 0.1% |
| AmeriHome Mortgage Company, LLC | $670,000 | $1,715,000 | 156.0% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $440,000 | $1,715,000 | 289.8% | 0.1% |
| Millville Savings Bank | $165,000 | $1,680,000 | 918.2% | 0.1% |
| Newfield National Bank | $3,060,000 | $1,675,000 | -45.3% | 0.1% |
| UNITED MORTGAGE CORP | $1,635,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $590,000 | $1,620,000 | 174.6% | 0.1% |
| ARC HOME LLC | $1,985,000 | $1,600,000 | -19.4% | 0.1% |
| First National Bank of America | $810,000 | $1,600,000 | 97.5% | 0.1% |
| NJ LENDERS CORP. | $3,825,000 | $1,595,000 | -58.3% | 0.1% |
| Waterstone Mortgage Corporation | $1,585,000 | n/a | 0.1% | |
| Stifel Bank and Trust | $1,140,000 | $1,565,000 | 37.3% | 0.1% |
| BOND STREET MORTGAGE, LLC | $815,000 | $1,550,000 | 90.2% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $195,000 | $1,545,000 | 692.3% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $660,000 | $1,540,000 | 133.3% | 0.1% |
| Commerce Home Mortgage, Inc. | $3,940,000 | $1,530,000 | -61.2% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,350,000 | $1,460,000 | 8.1% | 0.1% |
| LENDING CAPITAL GROUP Inc | $870,000 | $1,440,000 | 65.5% | 0.1% |
| Keystone Funding, Inc. | $690,000 | $1,435,000 | 108.0% | 0.1% |
| Logan Finance Corporation | $1,920,000 | $1,400,000 | -27.1% | 0.1% |
| PHH Mortgage Corporation | $235,000 | $1,400,000 | 495.7% | 0.1% |
| A&D Mortgage LLC | $1,810,000 | $1,360,000 | -24.9% | 0.1% |
| Princeton Mortgage Corporation | $540,000 | $1,355,000 | 150.9% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $125,000 | $1,340,000 | 972.0% | 0.1% |
| 21ST MORTGAGE CORPORATION | $270,000 | $1,325,000 | 390.7% | 0.1% |
| NEW DAY FINANCIAL, LLC | $805,000 | $1,305,000 | 62.1% | 0.1% |
| Citadel Servicing Corporation | $890,000 | $1,270,000 | 42.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $2,625,000 | $1,270,000 | -51.6% | 0.1% |
| The Federal Savings Bank | $2,160,000 | $1,265,000 | -41.4% | 0.1% |
| SILVER HILL FUNDING, LLC | $195,000 | $1,220,000 | 525.6% | 0.1% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | $1,195,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $815,000 | $1,180,000 | 44.8% | 0.1% |
| AMWEST FUNDING CORP. | $1,430,000 | $1,170,000 | -18.2% | 0.1% |
| The Huntington National Bank | $2,755,000 | $1,150,000 | -58.3% | 0.1% |
| MLD MORTGAGE INC. | $4,520,000 | $1,145,000 | -74.7% | 0.1% |
| Mid Penn Bank | $2,770,000 | $1,140,000 | -58.8% | 0.1% |
| LADERA LENDING, INC. | $1,090,000 | n/a | 0.1% | |
| First Bank | $555,000 | $1,075,000 | 93.7% | 0.1% |
| LOANPAL, LLC | $420,000 | $1,070,000 | 154.8% | 0.1% |
| FREEDOM CREDIT UNION | $150,000 | $1,045,000 | 596.7% | 0.1% |
| Franklin Bank | $1,865,000 | $1,030,000 | -44.8% | 0.1% |
| LIMA ONE CAPITAL, LLC | $1,480,000 | $1,030,000 | -30.4% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $1,210,000 | $1,020,000 | -15.7% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $3,360,000 | $1,015,000 | -69.8% | 0.1% |
| GUILD MORTGAGE COMPANY | $920,000 | $1,010,000 | 9.8% | 0.1% |
| GLENDENNING MORTGAGE CORPORATION | $985,000 | $1,005,000 | 2.0% | 0.1% |
| Orrstown Bank | $495,000 | $1,005,000 | 103.0% | 0.1% |
| The Camden National Bank | $995,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $305,000 | $995,000 | 226.2% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,750,000 | $965,000 | -44.9% | 0.1% |
| Quontic Bank | $115,000 | $960,000 | 734.8% | 0.1% |
| FIRST HERITAGE FINANCIAL, LLC | $955,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $905,000 | $945,000 | 4.4% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $1,080,000 | $930,000 | -13.9% | 0.1% |
| Kearny Bank | $450,000 | $905,000 | 101.1% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $905,000 | n/a | 0.1% | |
| Ixonia Bank | $590,000 | $890,000 | 50.8% | 0.1% |
| CONTOUR MORTGAGE CORPORATION | $890,000 | $870,000 | -2.2% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $860,000 | n/a | 0.1% | |
| Northpointe Bank | $4,690,000 | $860,000 | -81.7% | 0.1% |
| Peoples Security Bank and Trust Company | $1,230,000 | $860,000 | -30.1% | 0.1% |
| Cornerstone First Mortgage, Inc | $855,000 | n/a | 0.1% | |
| Penn Community Bank | $785,000 | $855,000 | 8.9% | 0.1% |
| NBKC BANK | $860,000 | $845,000 | -1.7% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,065,000 | $845,000 | -20.7% | 0.1% |
| PHILADELPHIA | $1,040,000 | $835,000 | -19.7% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $1,150,000 | $825,000 | -28.3% | 0.1% |
| US MORTGAGE CORPORATION | $2,175,000 | $785,000 | -63.9% | 0.1% |
| MORTGAGE ACCESS CORP. | $575,000 | $775,000 | 34.8% | 0.1% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | $2,170,000 | $760,000 | -65.0% | 0.1% |
| Center City Mortgage and Investments LLC | $900,000 | $745,000 | -17.2% | 0.0% |
| BM Real Estate Services, Inc. | $305,000 | $735,000 | 141.0% | 0.0% |
| First Savings Bank | $725,000 | n/a | 0.0% | |
| First National Bank and Trust Company of Newtown | $305,000 | $705,000 | 131.1% | 0.0% |
| UTILITIES EMPLOYEES CREDIT UNION | $15,000 | $685,000 | 4,466.7% | 0.0% |
| MICHIGAN MUTUAL, INC. | $225,000 | $680,000 | 202.2% | 0.0% |
| Farm Credit East, ACA | $1,035,000 | $650,000 | -37.2% | 0.0% |
| Goldman Sachs Bank USA | $5,010,000 | $635,000 | -87.3% | 0.0% |
| Nations Lending Corporation | $390,000 | $635,000 | 62.8% | 0.0% |
| CONSTRUCTIVE LOANS, LLC | $935,000 | $630,000 | -32.6% | 0.0% |
| Amboy Bank | $55,000 | $620,000 | 1,027.3% | 0.0% |
| Baxter Credit Union | $235,000 | $620,000 | 163.8% | 0.0% |
| State Financial Network, LLC | $320,000 | $610,000 | 90.6% | 0.0% |
| GEORGIA'S OWN | $145,000 | $605,000 | 317.2% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $575,000 | $600,000 | 4.3% | 0.0% |
| TOWER | $820,000 | $600,000 | -26.8% | 0.0% |
| Unity Bank | $585,000 | n/a | 0.0% | |
| FIRST COMMUNITY MORTGAGE, INC. | $580,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $985,000 | $565,000 | -42.6% | 0.0% |
| Somerset Savings Bank, SLA | $565,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $225,000 | $550,000 | 144.4% | 0.0% |
| BETTER MORTGAGE CORPORATION | $910,000 | $530,000 | -41.8% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $525,000 | n/a | 0.0% | |
| GREENWAY MORTGAGE FUNDING CORP. | $525,000 | n/a | 0.0% | |
| Ardent Federal Credit Union | $755,000 | $515,000 | -31.8% | 0.0% |
| FRANKLIN MINT | $2,535,000 | $510,000 | -79.9% | 0.0% |
| The Fidelity Deposit and Discount Bank | $1,435,000 | $505,000 | -64.8% | 0.0% |
| OAKTREE FUNDING CORP. | $105,000 | $495,000 | 371.4% | 0.0% |
| ONY GLO, INC. | $585,000 | $495,000 | -15.4% | 0.0% |
| SUN Federal Credit Union | $1,205,000 | $495,000 | -58.9% | 0.0% |
| JMAC LENDING, INC. | $485,000 | n/a | 0.0% | |
| SELF RELIANCE NY Federal Credit Union | $475,000 | n/a | 0.0% | |
| First Federal Bank | $510,000 | $470,000 | -7.8% | 0.0% |
| V.I.P. MORTGAGE, INC. | $465,000 | n/a | 0.0% | |
| Mortgage America, Inc. | $815,000 | $460,000 | -43.6% | 0.0% |
| Habib American Bank | $685,000 | $445,000 | -35.0% | 0.0% |
| Axos Bank | $1,070,000 | $435,000 | -59.3% | 0.0% |
| GREENWOOD | $180,000 | $430,000 | 138.9% | 0.0% |
| SPRING EQ, LLC | $680,000 | $430,000 | -36.8% | 0.0% |
| Crest Savings Bank | $95,000 | $425,000 | 347.4% | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | $425,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $275,000 | $425,000 | 54.5% | 0.0% |
| Cornerstone Bank | $1,095,000 | $420,000 | -61.6% | 0.0% |
| AMERICAN FINANCE HOUSE LARIBA | $415,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $405,000 | n/a | 0.0% | |
| ADVANCIAL | $395,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $180,000 | $395,000 | 119.4% | 0.0% |
| Ukrainian Selfreliance Federal Credit Union | $870,000 | $390,000 | -55.2% | 0.0% |
| Manasquan Bank | $8,035,000 | $385,000 | -95.2% | 0.0% |
| USAlliance Federal Credit Union | $255,000 | $380,000 | 49.0% | 0.0% |
| First Central Savings Bank | $375,000 | n/a | 0.0% | |
| First National Bank of Pennsylvania | $375,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $285,000 | $365,000 | 28.1% | 0.0% |
| NVR Mortgage Finance, Inc. | $365,000 | n/a | 0.0% | |
| Peoples Bank | $315,000 | $365,000 | 15.9% | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | $155,000 | $365,000 | 135.5% | 0.0% |
| RESIDENTIAL BANCORP | $175,000 | $360,000 | 105.7% | 0.0% |
| GSF Mortgage Corporation | $915,000 | $355,000 | -61.2% | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | $340,000 | $345,000 | 1.5% | 0.0% |
| State Department Federal Credit Union | $345,000 | n/a | 0.0% | |
| LAFAYETTE FEDERAL CREDIT UNION | $340,000 | n/a | 0.0% | |
| Merchants Mortgage & Trust Corporation | $285,000 | $335,000 | 17.5% | 0.0% |
| Plains Commerce Bank | $895,000 | $335,000 | -62.6% | 0.0% |
| BMO Harris Bank | $575,000 | $325,000 | -43.5% | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | $325,000 | n/a | 0.0% | |
| HARTFORD FUNDING, LTD. | $135,000 | $320,000 | 137.0% | 0.0% |
| Evolve Bank & Trust | $620,000 | $315,000 | -49.2% | 0.0% |
| POLARIS HOME FUNDING CORP. | $315,000 | n/a | 0.0% | |
| Ally Bank | $770,000 | $295,000 | -61.7% | 0.0% |
| BAYPORT FUNDING LLC | $425,000 | $295,000 | -30.6% | 0.0% |
| Residential Mortgage Solutions, Inc. | $295,000 | $295,000 | 0.0% | 0.0% |
| THE MORTGAGE FIRM, INC. | $295,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $285,000 | n/a | 0.0% | |
| Ballston Spa National Bank | $280,000 | n/a | 0.0% | |
| ESSA Bank & Trust | $255,000 | n/a | 0.0% | |
| Metro City Bank | $350,000 | $255,000 | -27.1% | 0.0% |
| NMSI, INC. | $425,000 | $255,000 | -40.0% | 0.0% |
| The Central Trust Bank | $255,000 | n/a | 0.0% | |
| The People's Credit Union | $315,000 | $255,000 | -19.0% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $325,000 | $245,000 | -24.6% | 0.0% |
| FIRST ATLANTIC FEDERAL CREDIT UNION | $105,000 | $240,000 | 128.6% | 0.0% |
| NexBank | $75,000 | $235,000 | 213.3% | 0.0% |
| Cathay Bank | $225,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $225,000 | n/a | 0.0% | |
| FM Home Loans, LLC | $215,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $210,000 | n/a | 0.0% | |
| ALTRA | $205,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| HANSCOM | $205,000 | n/a | 0.0% | |
| MidFirst Bank | $115,000 | $205,000 | 78.3% | 0.0% |
| Secured Investment Corp. | $205,000 | n/a | 0.0% | |
| Citizens & Northern Bank | $285,000 | $195,000 | -31.6% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $195,000 | n/a | 0.0% | |
| LOANLEADERS OF AMERICA, INC. | $195,000 | n/a | 0.0% | |
| NEXERA HOLDING LLC | $830,000 | $195,000 | -76.5% | 0.0% |
| AmRes Corporation | $615,000 | $185,000 | -69.9% | 0.0% |
| Brighton Bank | $465,000 | $185,000 | -60.2% | 0.0% |
| PS Bank | $185,000 | n/a | 0.0% | |
| ANDREWS FEDERAL CREDIT UNION | $125,000 | $180,000 | 44.0% | 0.0% |
| East Coast Capital Corp. | $175,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $1,630,000 | $175,000 | -89.3% | 0.0% |
| Monroe Savings Bank | $1,595,000 | $175,000 | -89.0% | 0.0% |
| William Penn Bank | $145,000 | $175,000 | 20.7% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $165,000 | n/a | 0.0% | |
| Luxury Mortgage Corp. | $345,000 | $165,000 | -52.2% | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $165,000 | n/a | 0.0% | |
| ASSOCIATED MORTGAGE BANKERS, INC. | $765,000 | $155,000 | -79.7% | 0.0% |
| Home Mortgage Alliance Corp | $155,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $155,000 | n/a | 0.0% | |
| Bay Atlantic Federal Credit Union | $140,000 | n/a | 0.0% | |
| BHCU | $135,000 | n/a | 0.0% | |
| Princeton Federal Credit Union | $130,000 | n/a | 0.0% | |
| BANC ONE MORTGAGE CORPORATION | $125,000 | n/a | 0.0% | |
| Signature Federal Credit Union | $420,000 | $125,000 | -70.2% | 0.0% |
| Fifth Third Bank | $680,000 | $115,000 | -83.1% | 0.0% |
| S&T Bank | $2,260,000 | $115,000 | -94.9% | 0.0% |
| Centier Bank | $630,000 | $110,000 | -82.5% | 0.0% |
| Spencer Savings Bank, SLA | $130,000 | $110,000 | -15.4% | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| AFFINITY | $605,000 | $105,000 | -82.6% | 0.0% |
| BayCoast Bank | $95,000 | n/a | 0.0% | |
| Connexus Credit Union | $95,000 | n/a | 0.0% | |
| INTOUCH CREDIT UNION | $95,000 | n/a | 0.0% | |
| Members 1st of NJ Federal Credit Union | $95,000 | n/a | 0.0% | |
| Healthcare Employees FCU | $75,000 | n/a | 0.0% | |
| Clearview Federal Credit Union | $65,000 | n/a | 0.0% | |
| BCB Community Bank | $310,000 | $55,000 | -82.3% | 0.0% |
| CREDIT UNION OF NEW JERSEY | $55,000 | n/a | 0.0% | |
| GARDEN SAVINGS FEDERAL CREDIT UNION | $185,000 | $55,000 | -70.3% | 0.0% |
| Northfield Bank | $55,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $45,000 | n/a | 0.0% | |
| First Commonwealth Federal Credit Union | $1,090,000 | $35,000 | -96.8% | 0.0% |
| CORNING | $25,000 | n/a | 0.0% |
ATLANTIC CITY - HAMMONTON's top lender by overall market share is Advisors Mortgage Group, L.L.C., with 6.5% market share. In second place, with 4.7%, is GREENTREE MORTGAGE COMPANY, L.P., having originated $70,720,000 in loans. In third place, with 4.6%, is QUICKEN LOANS, LLC, having originated $69,395,000 in loans. In fourth place, with 4.4%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $65,990,000 in loans. In fifth place, with 3.7%, is Citizens Bank, having originated $55,575,000 in loans.
ATLANTIC CITY-HAMMONTON, NJ Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,932 | $978,720,000 | $333,806 |
| Cash Out Refi | 865 | $202,855,000 | $234,514 |
| Home Improvement | 625 | $77,355,000 | $123,768 |
| Other | 557 | $75,615,000 | $135,754 |
| Refi | 514 | $172,880,000 | $336,342 |
Atlantic City - Hammonton's most frequently cited loan purpose was Home Purchase, with 2,932 originations. The 2nd most popular reason was Cash Out Refi, with 865 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,177 | $678,855,000 | $311,831 |
| Over 8% | 1,282 | $211,230,000 | $164,766 |
| 7-8% | 1,231 | $344,275,000 | $279,671 |
| 5-6% | 544 | $220,560,000 | $405,441 |
| <2.5% | 43 | $1,475,000 | $34,302 |
| 4-5% | 26 | $10,870,000 | $418,077 |
| 3-4% | 10 | $2,900,000 | $290,000 |
| 2.5-3% | 2 | $630,000 | $315,000 |
During 2024, Atlantic City - Hammonton's most frequently originated rate bucket was 6-7%, with 2,177 originations.
Loan Sizing (ATLANTIC CITY-HAMMONTON, NJ MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,169 | $618,685,000 | $285,240 |
| $100k-200k | 1,326 | $194,200,000 | $146,456 |
| $100,000 or less | 1,099 | $61,015,000 | $55,519 |
| $400k-600k | 571 | $269,795,000 | $472,496 |
| $600k-1000k | 208 | $148,350,000 | $713,221 |
| $Over $1MM | 120 | $215,380,000 | $1,794,833 |
ATLANTIC CITY - HAMMONTON's loan sizing saw the bucket of loans from $200k-400k with 2,169 originations, totaling $618,685,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,616 | $535,840,000 | $331,584 |
| 60-80% | 1,461 | $530,795,000 | $363,309 |
| Under 20% | 830 | $58,030,000 | $69,916 |
| 20-40% | 700 | $119,800,000 | $171,143 |
| 40-60% | 589 | $187,795,000 | $318,837 |
| Over 100% | 50 | $19,590,000 | $391,800 |
ATLANTIC CITY - HAMMONTON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,616 originations, totaling $535,840,000 in origination value.