Best lenders for lower-income buyers in Cape May 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 3,131 lower-income home-purchase decisions in Cape May 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 Cape May County, lenders approved 82.9% — 9 points below the 92% all-buyer average in the county.
Top lenders for lower-income buyers in Cape May County
Lenders with 25+ lower-income buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Draper And Kramer Mortgage Corp. Downers Grove, IL | 98.0% | 98 | 2 | +0.34 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 93.8% | 341 | 21 | +0.72 pp |
| Greentree Mortgage Company, L.p. Gibbsboro, NJ | 98.0% | 50 | 1 | +0.63 pp |
| Home Point Financial Corporation Ann Arbor, MI | 92.0% | 138 | 11 | +0.48 pp |
| Mortgage Research Center Columbia, MO | 95.5% | 44 | 2 | +0.14 pp |
| Allied Mortgage Group, Inc Bala Cynwyd, PA | 91.6% | 95 | 8 | +0.91 pp |
| Republic First Bank Philadelphia, PA | 89.5% | 162 | 17 | +0.36 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 91.7% | 72 | 6 | +0.54 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 90.9% | 66 | 6 | +0.51 pp |
| United Wholesale Mortgage Pontiac, MI | 93.0% | 43 | 3 | +0.41 pp |
| Oceanfirst Bank Toms River, NJ | 91.1% | 45 | 4 | +0.11 pp |
| Citizens Bank, Na Providence, RI | 87.7% | 81 | 10 | +0.15 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 87.7% | 73 | 9 | +0.42 pp |
| Rocket Mortgage Detroit, MI | 79.5% | 122 | 25 | +0.64 pp |
| Lakeview Loan Servicing, Llc Coral Gables, FL | 82.6% | 46 | 8 | +0.72 pp |
Why lower-income buyers were denied here
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, lower-income buyers in Cape May County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →