New Jersey · Home purchase
Best lenders for lower-income buyers in New Jersey
On a household income under $75,000, approval odds and lender choice shift. These lenders approve lower-income buyers most often. Across 181,278 lower-income home-purchase decisions statewide (2018–2025), lenders approved 83.8%. Here are the lenders that approve lower-income buyers most, and the county-by-county picture.
Statewide approval
83.8%
151,906 of 181,278
Denial rate
16.2%
29,372 denied
Decisions
181,278
2018–2025
Top lower-income lenders statewide
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Greentree Mortgage Company, L.p. Gibbsboro, NJ | 97.9% | 5,579 | 118 | +0.79 pp |
| Nj Lenders Corp Little Falls, NJ | 95.5% | 7,510 | 336 | +0.12 pp |
| Nation One Mortgage Corporatio Marlton, NJ | 94.7% | 2,779 | 146 | +1.25 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 92.6% | 5,057 | 373 | +0.73 pp |
| Absolute Home Mortgage Fairfield, NJ | 91.7% | 2,740 | 227 | +0.74 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 90.8% | 5,049 | 464 | +0.95 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 90.7% | 4,380 | 409 | +0.59 pp |
| Gateway First Bank Jenks, OK | 90.2% | 3,392 | 333 | +0.87 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 89.4% | 4,260 | 450 | +0.76 pp |
| Weichert Financial Services Morris Plains, NJ | 89.1% | 2,857 | 310 | +0.64 pp |
| Finance Of America Mortgage Llc Horsham, PA | 88.9% | 3,950 | 437 | +0.71 pp |
| Guaranteed Rate, Inc. Chicago, IL | 88.9% | 3,307 | 367 | +0.45 pp |
| Loandepot.com Llc Irvine, CA | 84.9% | 2,922 | 442 | +0.55 pp |
| Home Point Financial Corporation Ann Arbor, MI | 84.1% | 2,404 | 382 | +0.71 pp |
| Family First Funding Llc Toms River, NJ | 83.8% | 2,549 | 412 | +0.88 pp |
By county
AtlanticBergenBurlingtonCamdenCape MayCumberlandEssexGloucesterHudsonHunterdonMercerMiddlesexMonmouthMorrisOceanPassaicSalemSomersetSussexUnionWarren
Other buyer situations
Best FHA lendersBest VA lendersBest USDA lendersBest jumbo lendersBest lenders for high debt-to-income buyersBest low-down-payment lendersBest investment-property lendersBest manufactured-home lenders
Source: CFPB HMDA data, 2018–2025. Methodology →