Best lenders for low-down-payment buyers in Ocean 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 11,896 low-down-payment home-purchase decisions in Ocean 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 Ocean County, lenders approved 88.2% — 3 points below the 91% all-buyer average in the county.
Top lenders for low-down-payment buyers in Ocean 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 |
|---|---|---|---|---|
| Equity Prime Mortgage Llc Atlanta, GA | 98.1% | 466 | 9 | +1.29 pp |
| Greentree Mortgage Company, L.p. Gibbsboro, NJ | 98.2% | 223 | 4 | +0.90 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 95.8% | 355 | 15 | +0.87 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 94.7% | 715 | 38 | +0.95 pp |
| Absolute Home Mortgage Fairfield, NJ | 95.1% | 163 | 8 | +0.96 pp |
| Nj Lenders Corp Little Falls, NJ | 94.4% | 216 | 12 | +0.58 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 92.2% | 884 | 69 | +0.83 pp |
| Cmg Mortgage Inc San Ramon, IL | 94.7% | 150 | 8 | +0.68 pp |
| Guaranteed Rate, Inc. Chicago, IL | 93.5% | 215 | 14 | +0.68 pp |
| Gateway First Bank Jenks, OK | 92.8% | 153 | 11 | +1.00 pp |
| Paramount Residential Mortgage Corona, CA | 90.9% | 329 | 30 | +0.95 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 89.4% | 246 | 26 | +0.93 pp |
| Dhi Mortgage Company, Ltd. Austin, TX | 89.6% | 154 | 16 | +0.31 pp |
| Loandepot.com Llc Irvine, CA | 86.7% | 368 | 49 | +0.80 pp |
| Family First Funding Llc Toms River, NJ | 85.1% | 569 | 85 | +1.10 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 Ocean County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →