Best lenders for lower-income buyers in Bergen County, NJ
On a household income under $75,000, approval odds and lender choice shift. These lenders approve lower-income buyers most often. Based on 7,587 lower-income home-purchase decisions in Bergen County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For lower-income buyers in Bergen County, lenders approved 81.8% — 9 points below the 91% all-buyer average in the county.
Top lenders for lower-income buyers in Bergen County
Lenders with 25+ lower-income buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Nj Lenders Corp Little Falls, NJ | 95.4% | 1,569 | 72 | +0.04 pp |
| Unity Bank Clinton, NJ | 93.5% | 93 | 6 | +0.92 pp |
| Bond Street Mortgage, Llc Paramus, NJ | 92.2% | 116 | 9 | +0.28 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 90.2% | 193 | 19 | +0.55 pp |
| Loandepot.com Llc Irvine, CA | 90.8% | 131 | 12 | +0.36 pp |
| Valley National Bank Morristown, NJ | 91.4% | 93 | 8 | -0.17 pp |
| Nationwide Mortgage Bankers, Inc. Melville, NY | 90.4% | 114 | 11 | +0.97 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 88.7% | 142 | 16 | +0.65 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 88.1% | 67 | 8 | +0.70 pp |
| Home Point Financial Corporation Ann Arbor, MI | 84.2% | 133 | 21 | +0.56 pp |
| United Wholesale Mortgage Pontiac, MI | 80.6% | 381 | 74 | +0.23 pp |
| Guaranteed Rate Affinity, Llc Chicago, IL | 84.8% | 66 | 10 | +0.16 pp |
| Guaranteed Rate, Inc. Chicago, IL | 82.5% | 103 | 18 | +0.32 pp |
| Newrez Llc Fort Washington, PA | 83.1% | 71 | 12 | +0.41 pp |
| Us Bank, N.a. Cincinnati, OH | 81.2% | 69 | 13 | +0.01 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, lower-income buyers in Bergen County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →