Best lenders for low-down-payment buyers in Somerset 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 3,628 low-down-payment home-purchase decisions in Somerset 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 Somerset County, lenders approved 86.4% — 6 points below the 92% all-buyer average in the county.
Top lenders for low-down-payment buyers in Somerset 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 |
|---|---|---|---|---|
| Crosscountry Mortgage, Llc Cleveland, OH | 97.4% | 114 | 3 | +0.79 pp |
| Movement Mortgage, Llc Indian Land, SC | 95.2% | 105 | 5 | +0.81 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 93.7% | 79 | 5 | +0.81 pp |
| Absolute Home Mortgage Fairfield, NJ | 94.2% | 52 | 3 | +0.91 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 91.1% | 79 | 7 | +0.74 pp |
| Mlb Residential Lending, Llc Springfield, NJ | 91.7% | 60 | 5 | +1.25 pp |
| Paramount Residential Mortgage Corona, CA | 88.6% | 114 | 13 | +1.14 pp |
| Guaranteed Rate, Inc. Chicago, IL | 89.5% | 86 | 9 | +0.54 pp |
| Nj Lenders Corp Little Falls, NJ | 88.8% | 98 | 11 | +0.67 pp |
| Gateway First Bank Jenks, OK | 89.3% | 75 | 8 | +0.97 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 87.6% | 97 | 12 | +1.07 pp |
| Loandepot.com Llc Irvine, CA | 86.8% | 91 | 12 | +1.05 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 88.5% | 61 | 7 | +0.86 pp |
| Fulton Bank, National Association Lancaster, PA | 88.0% | 50 | 6 | +0.21 pp |
| Weichert Financial Services Morris Plains, NJ | 86.0% | 50 | 7 | +0.95 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 Somerset County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →