Best lenders for low-down-payment buyers in Salem 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 2,647 low-down-payment home-purchase decisions in Salem 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 Salem County, lenders approved 87.7%.
Top lenders for low-down-payment buyers in Salem 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 | 98.0% | 300 | 6 | +0.95 pp |
| Nfm, Inc Linthicum, MD | 97.2% | 144 | 4 | +0.85 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 95.9% | 123 | 5 | +1.02 pp |
| Gateway First Bank Jenks, OK | 93.7% | 111 | 7 | +0.92 pp |
| Finance Of America Mortgage Llc Horsham, PA | 93.5% | 92 | 6 | +0.80 pp |
| American Financial Network, Inc. Brea, CA | 95.8% | 48 | 2 | +1.19 pp |
| Trident Mortgage Company Lp Devon, PA | 93.2% | 59 | 4 | +1.17 pp |
| Allied Mortgage Group, Inc Bala Cynwyd, PA | 90.7% | 97 | 9 | +0.99 pp |
| Weichert Financial Services Morris Plains, NJ | 93.8% | 48 | 3 | +0.68 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 89.5% | 124 | 13 | +1.04 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 87.9% | 107 | 13 | +0.72 pp |
| United Wholesale Mortgage Pontiac, MI | 90.7% | 43 | 4 | +0.66 pp |
| Movement Mortgage, Llc Indian Land, SC | 89.8% | 49 | 5 | +0.86 pp |
| Guaranteed Rate, Inc. Chicago, IL | 87.8% | 49 | 6 | +0.74 pp |
| New American Funding, Llc. Tustin, CA | 87.5% | 40 | 5 | +0.77 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 Salem County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →