Best lenders for investment property in Monmouth County, NJ
Buying a rental or investment property is underwritten differently than a home you'll live in. Not every lender is comfortable with it. Based on 2,136 investment-property 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 investment-property buyers in Monmouth County, lenders approved 88.7% — 2 points below the 91% all-buyer average in the county.
Top lenders for investment-property buyers in Monmouth County
Lenders with 25+ investment-property buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Fm Home Loans Llc Brooklyn, NY | 98.2% | 114 | 2 | +1.21 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 94.4% | 284 | 16 | — |
| Nj Lenders Corp Little Falls, NJ | 95.7% | 93 | 4 | — |
| Ark Mortgage, Inc. Montebello, NY | 97.6% | 41 | 1 | +0.85 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 94.5% | 55 | 3 | +0.85 pp |
| Oceanfirst Bank Toms River, NJ | 90.9% | 88 | 8 | +0.68 pp |
| Bond Street Mortgage, Llc Paramus, NJ | 94.4% | 36 | 2 | +0.82 pp |
| Absolute Home Mortgage Fairfield, NJ | 92.5% | 40 | 3 | — |
| Freedom Mortgage Corporation Boca Raton, FL | 89.5% | 38 | 4 | +1.51 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 90.6% | 32 | 3 | +1.39 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 88.9% | 36 | 4 | +0.62 pp |
| Wells Fargo Bank Na Minneapolis, MN | 82.0% | 133 | 24 | +0.69 pp |
| Family First Funding Llc Toms River, NJ | 87.8% | 41 | 5 | +1.13 pp |
| The Loan Store, Inc Tucson, AZ | 87.5% | 40 | 5 | — |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 89.7% | 29 | 3 | — |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, investment-property buyers in Monmouth County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →