Best lenders for high-DTI buyers in Monmouth County, NJ
Carrying a debt-to-income ratio of 43% or more narrows your options — some lenders approve stretched budgets far more often than others. Based on 22,757 high-DTI home-purchase decisions in Monmouth County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For high-DTI buyers in Monmouth County, lenders approved 85.4% — 6 points below the 91% all-buyer average in the county.
Top lenders for high-DTI buyers in Monmouth County
Lenders with 25+ high-DTI buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Crosscountry Mortgage, Llc Cleveland, OH | 96.1% | 1,068 | 42 | +0.56 pp |
| Guaranteed Rate, Inc. Chicago, IL | 95.1% | 473 | 23 | +0.18 pp |
| Absolute Home Mortgage Fairfield, NJ | 95.6% | 338 | 15 | +0.44 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 93.8% | 2,033 | 127 | +0.47 pp |
| Nj Lenders Corp Little Falls, NJ | 93.6% | 547 | 35 | +0.17 pp |
| Freedom Mortgage Corporation Boca Raton, FL | 93.9% | 392 | 24 | +0.53 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 92.8% | 488 | 35 | +0.66 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 92.6% | 448 | 33 | +0.59 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 91.7% | 312 | 26 | +0.48 pp |
| Family First Funding Llc Toms River, NJ | 88.4% | 354 | 41 | +0.81 pp |
| Loandepot.com Llc Irvine, CA | 87.4% | 554 | 70 | +0.36 pp |
| Fairway Independent Mort Corp Madison, WI | 87.5% | 297 | 37 | +0.61 pp |
| United Wholesale Mortgage Pontiac, MI | 85.4% | 1,025 | 150 | +0.27 pp |
| Jpmorgan Chase Bank, Na Columbus, OH | 84.2% | 524 | 83 | -0.01 pp |
| Toll Brothers Mortgage Company Fort Washington, PA | 83.2% | 274 | 46 | +0.03 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, high-DTI buyers in Monmouth County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →