New Jersey · Home purchase

Best lenders for investment property in Somerset 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 790 investment-property home-purchase decisions in Somerset County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.

Investment-property approval
89.2%
705 of 790
Denial rate
10.8%
85 denied
Decisions
790
2018–2025

For investment-property buyers in Somerset County, lenders approved 89.2% — 3 points below the 92% all-buyer average in the county.

Top lenders for investment-property buyers in Somerset County

Lenders with 25+ investment-property buyers decisions here, ranked by a sample-size-adjusted approval rate.

LenderApprovalDecisionsDeniedAvg. rate spread
Nj Lenders Corp
Little Falls, NJ
97.5%401
American Federal Mortgage Corporation
Chester, NJ
96.9%321+0.55 pp
Rocket Mortgage
Detroit, MI
90.3%10310+0.73 pp
Pulte Mortgage Llc
Denver, CO
92.3%262+0.27 pp
Wells Fargo Bank Na
Minneapolis, MN
74.5%4712+0.72 pp

Why investment-property buyers were denied here

Other29% of denialsDebt-to-income ratio28% of denialsCollateral (value/type)26% of denialsIncomplete application15% of denialsInsufficient cash to close9% of denials

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Other buyer situations in Somerset County

Best FHA lendersBest VA lendersBest jumbo lendersBest lenders for high debt-to-income buyersBest low-down-payment lendersBest lenders for lower-income buyers

Best investment-property lenders in other NJ counties

AtlanticBergenBurlingtonCamdenCape MayEssexGloucesterHudsonMercerMiddlesexMonmouthMorrisOceanPassaicSussexUnion

Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, investment-property buyers in Somerset County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →