Best FHA lenders in Bergen County, NJ
FHA loans let buyers put down as little as 3.5% with more flexible credit — but not every lender welcomes them equally. Based on 8,582 FHA 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 FHA buyers in Bergen County, lenders approved 85.3% — 5 points below the 91% all-buyer average in the county.
Top lenders for FHA buyers in Bergen County
Lenders with 25+ FHA buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Bond Street Mortgage, Llc Paramus, NJ | 97.5% | 200 | 5 | +0.83 pp |
| United Mortgage Corp. Melville, NY | 96.7% | 123 | 4 | +1.03 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 93.4% | 655 | 43 | +1.07 pp |
| Nj Lenders Corp Little Falls, NJ | 92.4% | 475 | 36 | +0.83 pp |
| Mlb Residential Lending, Llc Springfield, NJ | 95.0% | 120 | 6 | +1.30 pp |
| Absolute Home Mortgage Fairfield, NJ | 92.8% | 181 | 13 | +0.97 pp |
| Nationwide Mortgage Bankers, Inc. Melville, NY | 92.4% | 172 | 13 | +1.18 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 92.8% | 138 | 10 | +1.18 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 89.8% | 333 | 34 | +0.94 pp |
| First Alliance Home Mortgage, Llc Cranford, NJ | 90.6% | 170 | 16 | +1.16 pp |
| American Financial Network, Inc. Brea, CA | 90.3% | 124 | 12 | +1.14 pp |
| Guaranteed Rate, Inc. Chicago, IL | 88.3% | 205 | 24 | +0.73 pp |
| Freedom Mortgage Corporation Boca Raton, FL | 89.1% | 147 | 16 | +0.86 pp |
| Paramount Residential Mortgage Corona, CA | 85.7% | 230 | 33 | +0.98 pp |
| Sierra Pacific Mortgage Co. Inc Folsom, CA | 86.8% | 121 | 16 | +1.06 pp |
Why FHA buyers were denied here
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, FHA buyers in Bergen County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →