Best lenders for low-down-payment buyers in Gloucester 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 10,062 low-down-payment home-purchase decisions in Gloucester 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 Gloucester County, lenders approved 90.3% — 2 points below the 92% all-buyer average in the county.
Top lenders for low-down-payment buyers in Gloucester 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 | 97.9% | 1,016 | 21 | +0.91 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 96.2% | 525 | 20 | +0.98 pp |
| Nfm, Inc Linthicum, MD | 96.0% | 448 | 18 | +0.82 pp |
| 1ST Colonial Community Bank Collingswood, NJ | 97.2% | 178 | 5 | +0.90 pp |
| Trident Mortgage Company Lp Devon, PA | 96.1% | 228 | 9 | +1.09 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 94.7% | 489 | 26 | +1.12 pp |
| Allied Mortgage Group, Inc Bala Cynwyd, PA | 94.9% | 370 | 19 | +1.00 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 95.1% | 263 | 13 | +0.67 pp |
| Gateway First Bank Jenks, OK | 93.0% | 400 | 28 | +1.07 pp |
| Guaranteed Rate, Inc. Chicago, IL | 93.4% | 229 | 15 | +0.68 pp |
| Freedom Mortgage Corporation Boca Raton, FL | 93.6% | 172 | 11 | +0.65 pp |
| Absolute Home Mortgage Fairfield, NJ | 93.3% | 180 | 12 | +0.92 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 93.2% | 147 | 10 | +0.80 pp |
| Cmg Mortgage Inc San Ramon, IL | 91.7% | 180 | 15 | +0.79 pp |
| Movement Mortgage, Llc Indian Land, SC | 91.9% | 149 | 12 | +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 Gloucester County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →