Best lenders for high-DTI buyers in Sussex 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 8,681 high-DTI home-purchase decisions in Sussex 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 Sussex County, lenders approved 86.4% — 3 points below the 90% all-buyer average in the county.
Top lenders for high-DTI buyers in Sussex 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 | 94.5% | 495 | 27 | +0.56 pp |
| Guaranteed Rate, Inc. Chicago, IL | 94.2% | 502 | 29 | +0.51 pp |
| Nj Lenders Corp Little Falls, NJ | 94.4% | 340 | 19 | +0.39 pp |
| Absolute Home Mortgage Fairfield, NJ | 93.4% | 393 | 26 | +0.81 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 91.5% | 497 | 42 | +0.93 pp |
| Weichert Financial Services Morris Plains, NJ | 91.8% | 255 | 21 | +0.62 pp |
| Realfi Home Funding Corp White Plains, NY | 91.8% | 182 | 15 | +1.05 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 91.1% | 202 | 18 | +0.79 pp |
| Guaranteed Rate Affinity, Llc Chicago, IL | 92.2% | 102 | 8 | +0.42 pp |
| Movement Mortgage, Llc Indian Land, SC | 89.5% | 239 | 25 | +0.73 pp |
| Family First Funding Llc Toms River, NJ | 86.7% | 543 | 72 | +0.95 pp |
| United Wholesale Mortgage Pontiac, MI | 85.3% | 293 | 43 | +0.42 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 88.0% | 100 | 12 | +1.08 pp |
| Cardinal Financial Company, Li Charlotte, NC | 83.0% | 282 | 48 | +0.82 pp |
| Loandepot.com Llc Irvine, CA | 83.2% | 196 | 33 | +0.78 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 Sussex County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →