Best lenders for low-down-payment buyers in Bergen County, NJ
Putting down less than 5% (a 95%+ loan-to-value) makes some lenders cautious. These are the ones that still approve low-down buyers. Based on 6,129 low-down-payment home-purchase decisions in Bergen County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For low-down-payment buyers in Bergen County, lenders approved 85.0% — 6 points below the 91% all-buyer average in the county.
Top lenders for low-down-payment buyers in Bergen County
Lenders with 25+ low-down-payment buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Nationwide Mortgage Bankers, Inc. Melville, NY | 98.9% | 93 | 1 | +1.18 pp |
| Bond Street Mortgage, Llc Paramus, NJ | 97.7% | 129 | 3 | +0.71 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 93.4% | 395 | 26 | +0.90 pp |
| Nj Lenders Corp Little Falls, NJ | 93.4% | 335 | 22 | +0.68 pp |
| Northpointe Bank Grand Rapids, MI | 95.6% | 91 | 4 | +0.77 pp |
| Absolute Home Mortgage Fairfield, NJ | 93.3% | 134 | 9 | +0.94 pp |
| Guaranteed Rate, Inc. Chicago, IL | 93.0% | 142 | 10 | +0.71 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 91.3% | 184 | 16 | +0.87 pp |
| First Alliance Home Mortgage, Llc Cranford, NJ | 93.1% | 87 | 6 | +1.04 pp |
| Freedom Mortgage Corporation Boca Raton, FL | 92.7% | 96 | 7 | +0.72 pp |
| Paramount Residential Mortgage Corona, CA | 89.2% | 157 | 17 | +1.02 pp |
| Home Point Financial Corporation Ann Arbor, MI | 86.0% | 93 | 13 | +0.90 pp |
| Family First Funding Llc Toms River, NJ | 86.2% | 87 | 12 | +0.98 pp |
| Loandepot.com Llc Irvine, CA | 83.2% | 161 | 27 | +0.78 pp |
| Sierra Pacific Mortgage Co. Inc Folsom, CA | 85.4% | 82 | 12 | +1.05 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, low-down-payment buyers in Bergen County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →