Best lenders for high-DTI buyers in Ocean 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 31,658 high-DTI home-purchase decisions in Ocean 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 Ocean County, lenders approved 87.2% — 4 points below the 91% all-buyer average in the county.
Top lenders for high-DTI buyers in Ocean County
Lenders with 25+ high-DTI buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Equity Prime Mortgage Llc Atlanta, GA | 98.1% | 794 | 15 | +1.05 pp |
| Fm Home Loans Llc Brooklyn, NY | 96.9% | 911 | 28 | +0.27 pp |
| Ark Mortgage, Inc. Montebello, NY | 97.2% | 493 | 14 | +0.44 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 95.0% | 1,011 | 51 | +0.65 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 94.2% | 1,282 | 74 | +0.77 pp |
| Guaranteed Rate, Inc. Chicago, IL | 94.1% | 882 | 52 | +0.23 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 93.3% | 1,662 | 111 | +0.58 pp |
| Nj Lenders Corp Little Falls, NJ | 93.8% | 529 | 33 | +0.33 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 91.9% | 456 | 37 | +0.75 pp |
| Paramount Residential Mortgage Corona, CA | 89.9% | 523 | 53 | +0.80 pp |
| United Wholesale Mortgage Pontiac, MI | 88.5% | 1,301 | 150 | +0.34 pp |
| Loandepot.com Llc Irvine, CA | 87.1% | 875 | 113 | +0.48 pp |
| Dhi Mortgage Company, Ltd. Austin, TX | 86.6% | 521 | 70 | +0.05 pp |
| Oceanfirst Bank Toms River, NJ | 86.2% | 442 | 61 | -0.09 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 85.9% | 434 | 61 | +0.73 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 Ocean County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →