Best lenders for low-down-payment buyers in Cumberland 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 4,869 low-down-payment home-purchase decisions in Cumberland 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 Cumberland County, lenders approved 88.2% — 2 points above the 86% all-buyer average in the county.
Top lenders for low-down-payment buyers in Cumberland 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 |
|---|---|---|---|---|
| Greentree Mortgage Company, L.p. Gibbsboro, NJ | 96.4% | 305 | 11 | +1.00 pp |
| Finance Of America Mortgage Llc Horsham, PA | 92.5% | 938 | 70 | +0.83 pp |
| Gateway First Bank Jenks, OK | 92.9% | 566 | 40 | +1.06 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 94.4% | 124 | 7 | +1.17 pp |
| Allied Mortgage Group, Inc Bala Cynwyd, PA | 94.2% | 104 | 6 | +1.13 pp |
| Trident Mortgage Company Lp Devon, PA | 95.4% | 65 | 3 | +1.03 pp |
| Absolute Home Mortgage Fairfield, NJ | 96.2% | 53 | 2 | +1.03 pp |
| Movement Mortgage, Llc Indian Land, SC | 92.3% | 155 | 12 | +1.19 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 91.9% | 124 | 10 | +0.97 pp |
| American Financial Network, Inc. Brea, CA | 93.0% | 86 | 6 | +1.23 pp |
| Nfm, Inc Linthicum, MD | 92.6% | 81 | 6 | +0.87 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 90.8% | 131 | 12 | +0.62 pp |
| Nation One Mortgage Corporatio Marlton, NJ | 91.5% | 94 | 8 | +0.43 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 92.2% | 77 | 6 | +0.90 pp |
| Guaranteed Rate, Inc. Chicago, IL | 85.1% | 87 | 13 | +0.76 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 Cumberland County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →