Best FHA lenders in Passaic County, NJ
FHA loans let buyers put down as little as 3.5% with more flexible credit — but not every lender welcomes them equally. Based on 10,235 FHA home-purchase decisions in Passaic County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For FHA buyers in Passaic County, lenders approved 85.6% — 3 points below the 89% all-buyer average in the county.
Top lenders for FHA buyers in Passaic County
Lenders with 25+ FHA buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Freedom Mortgage Corporation Boca Raton, FL | 95.7% | 257 | 11 | +0.94 pp |
| Nj Lenders Corp Little Falls, NJ | 94.2% | 434 | 25 | +0.78 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 93.7% | 511 | 32 | +1.02 pp |
| American Financial Network, Inc. Brea, CA | 94.1% | 323 | 19 | +1.25 pp |
| United Mortgage Corp. Melville, NY | 93.4% | 333 | 22 | +1.07 pp |
| Nationwide Mortgage Bankers, Inc. Melville, NY | 92.4% | 249 | 19 | +1.44 pp |
| Absolute Home Mortgage Fairfield, NJ | 92.0% | 286 | 23 | +0.97 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 91.0% | 480 | 43 | +1.06 pp |
| Paramount Residential Mortgage Corona, CA | 89.6% | 451 | 47 | +0.89 pp |
| First Alliance Home Mortgage, Llc Cranford, NJ | 91.0% | 201 | 18 | +1.28 pp |
| Nations Lending Corporation Independence, OH | 90.7% | 162 | 15 | +1.18 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 89.0% | 209 | 23 | +1.26 pp |
| Guaranteed Rate, Inc. Chicago, IL | 87.0% | 231 | 30 | +0.74 pp |
| Loandepot.com Llc Irvine, CA | 85.9% | 213 | 30 | +1.03 pp |
| Northpointe Bank Grand Rapids, MI | 84.3% | 223 | 35 | +0.83 pp |
Why FHA buyers were denied here
See your own odds and pricing
Get a lender shortlist for your exact profile, or check who overcharges borrowers like you.
Approval tool → Overcharge check →Other buyer situations in Passaic County
Best FHA lenders in other NJ counties
Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, FHA buyers in Passaic County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →