Best lenders for low-down-payment buyers in Cape May 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 1,444 low-down-payment home-purchase decisions in Cape May 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 Cape May County, lenders approved 86.4% — 6 points below the 92% all-buyer average in the county.
Top lenders for low-down-payment buyers in Cape May 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 |
|---|---|---|---|---|
| Home Point Financial Corporation Ann Arbor, MI | 96.1% | 76 | 3 | +0.68 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 92.0% | 174 | 14 | +0.98 pp |
| Draper And Kramer Mortgage Corp. Downers Grove, IL | 95.1% | 61 | 3 | +0.39 pp |
| Allied Mortgage Group, Inc Bala Cynwyd, PA | 93.8% | 81 | 5 | +0.91 pp |
| Greentree Mortgage Company, L.p. Gibbsboro, NJ | 95.1% | 41 | 2 | +0.94 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 93.6% | 47 | 3 | +0.79 pp |
| Ark-la-tex Financial Services Llc Plano, TX | 96.4% | 28 | 1 | +1.54 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 84.8% | 46 | 7 | +0.78 pp |
| Republic First Bank Philadelphia, PA | 78.6% | 70 | 15 | +0.58 pp |
| United Wholesale Mortgage Pontiac, MI | 83.9% | 31 | 5 | +0.42 pp |
| Navy Federal Credit Union Vienna, VA | 83.3% | 30 | 5 | +0.26 pp |
| Carrington Mortgage Services Llc Orange, CA | 84.0% | 25 | 4 | +1.63 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 79.4% | 34 | 7 | +0.61 pp |
| Citizens Bank, Na Providence, RI | 76.3% | 38 | 9 | +0.46 pp |
| Rocket Mortgage Detroit, MI | 71.2% | 66 | 19 | +0.86 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 Cape May County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →