Best lenders for low-down-payment buyers in Sussex 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 4,987 low-down-payment home-purchase decisions in Sussex 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 Sussex County, lenders approved 87.1% — 3 points below the 90% all-buyer average in the county.
Top lenders for low-down-payment buyers in Sussex 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 | 95.0% | 240 | 12 | +0.74 pp |
| Absolute Home Mortgage Fairfield, NJ | 93.5% | 294 | 19 | +1.03 pp |
| Nj Lenders Corp Little Falls, NJ | 94.2% | 190 | 11 | +0.66 pp |
| Guaranteed Rate, Inc. Chicago, IL | 92.3% | 311 | 24 | +0.69 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 91.6% | 309 | 26 | +1.14 pp |
| Movement Mortgage, Llc Indian Land, SC | 93.1% | 131 | 9 | +0.87 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 93.1% | 131 | 9 | +0.87 pp |
| Realfi Home Funding Corp White Plains, NY | 93.7% | 95 | 6 | +1.10 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 94.8% | 58 | 3 | +0.95 pp |
| Weichert Financial Services Morris Plains, NJ | 90.9% | 99 | 9 | +0.81 pp |
| Family First Funding Llc Toms River, NJ | 86.8% | 372 | 49 | +1.16 pp |
| Home Point Financial Corporation Ann Arbor, MI | 90.9% | 66 | 6 | +0.84 pp |
| Cmg Mortgage Inc San Ramon, IL | 89.8% | 59 | 6 | +0.66 pp |
| Cardinal Financial Company, Li Charlotte, NC | 82.9% | 228 | 39 | +1.12 pp |
| Loandepot.com Llc Irvine, CA | 83.5% | 121 | 20 | +1.05 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 Sussex County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →