Best lenders for lower-income buyers in Union 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 6,876 lower-income home-purchase decisions in Union 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 Union County, lenders approved 79.4% — 10 points below the 89% all-buyer average in the county.
Top lenders for lower-income buyers in Union 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 | 95.0% | 343 | 17 | +0.21 pp |
| Nationwide Mortgage Bankers, Inc. Melville, NY | 92.3% | 156 | 12 | +1.23 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 88.2% | 195 | 23 | +0.67 pp |
| Mlb Residential Lending, Llc Springfield, NJ | 87.9% | 149 | 18 | +1.22 pp |
| First Alliance Home Mortgage, Llc Cranford, NJ | 86.2% | 160 | 22 | +1.11 pp |
| Guaranteed Rate, Inc. Chicago, IL | 84.8% | 132 | 20 | +0.47 pp |
| Home Point Financial Corporation Ann Arbor, MI | 82.2% | 214 | 38 | +0.58 pp |
| Santander Bank N.a. New York, NY | 83.7% | 123 | 20 | -0.59 pp |
| Finance Of America Mortgage Llc Horsham, PA | 83.5% | 121 | 20 | +0.64 pp |
| Loandepot.com Llc Irvine, CA | 81.7% | 164 | 30 | +0.56 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 81.1% | 180 | 34 | +0.74 pp |
| Panorama Mortgage Group, Llc Las Vegas, NV | 82.6% | 115 | 20 | +1.36 pp |
| Paramount Residential Mortgage Corona, CA | 78.3% | 235 | 51 | +1.10 pp |
| Jersey Mortgage Company Cranford, NJ | 75.5% | 110 | 27 | +0.97 pp |
| Sun West Mortgage Company, Inc Cerritos, CA | 75.5% | 110 | 27 | +1.10 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 Union County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →