Best lenders for high-DTI buyers in Warren 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 5,288 high-DTI home-purchase decisions in Warren 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 Warren County, lenders approved 84.9% — 4 points below the 89% all-buyer average in the county.
Top lenders for high-DTI buyers in Warren County
Lenders with 25+ high-DTI buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Absolute Home Mortgage Fairfield, NJ | 94.8% | 269 | 14 | +0.88 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 93.9% | 196 | 12 | +0.83 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 91.6% | 215 | 18 | +0.80 pp |
| Guaranteed Rate, Inc. Chicago, IL | 90.8% | 218 | 20 | +0.55 pp |
| Movement Mortgage, Llc Indian Land, SC | 90.4% | 229 | 22 | +0.77 pp |
| Nj Lenders Corp Little Falls, NJ | 91.8% | 122 | 10 | +0.51 pp |
| Guaranteed Rate Affinity, Llc Chicago, IL | 92.2% | 77 | 6 | +0.46 pp |
| United Wholesale Mortgage Pontiac, MI | 87.9% | 190 | 23 | +0.49 pp |
| Huntington National Bank Columbus, OH | 90.9% | 66 | 6 | +0.23 pp |
| Weichert Financial Services Morris Plains, NJ | 87.8% | 139 | 17 | +0.76 pp |
| Mortgage Research Center Columbia, MO | 88.5% | 96 | 11 | +0.25 pp |
| Loandepot.com Llc Irvine, CA | 87.4% | 111 | 14 | +0.71 pp |
| Cardinal Financial Company, Li Charlotte, NC | 85.1% | 87 | 13 | +0.77 pp |
| Rocket Mortgage Detroit, MI | 79.2% | 274 | 57 | +0.51 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 83.8% | 68 | 11 | +0.95 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 Warren County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →