New Jersey · Home purchase

Best lenders for high-DTI buyers in Bergen County, NJ

Carrying a debt-to-income ratio of 43% or more narrows your options — some lenders approve stretched budgets far more often than others. Based on 26,316 high-DTI 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.

Lenders for high debt-to-income buyers approval
84.7%
22,286 of 26,316
Denial rate
15.3%
4,030 denied
Decisions
26,316
2018–2025

For high-DTI buyers in Bergen County, lenders approved 84.7% — 6 points below the 91% all-buyer average in the county.

Top lenders for high-DTI buyers in Bergen County

Lenders with 25+ high-DTI buyers decisions here, ranked by a sample-size-adjusted approval rate.

LenderApprovalDecisionsDeniedAvg. rate spread
Bond Street Mortgage, Llc
Paramus, NJ
97.4%54414+0.38 pp
Nj Lenders Corp
Little Falls, NJ
93.5%1,653108+0.26 pp
Crosscountry Mortgage, Llc
Cleveland, OH
93.6%1,32885+0.68 pp
Absolute Home Mortgage
Fairfield, NJ
94.6%35219+0.64 pp
Unity Bank
Clinton, NJ
94.7%32017+0.81 pp
Nationwide Mortgage Bankers, Inc.
Melville, NY
92.5%29522+0.93 pp
American Neighborhood Mortgage Acceptance Company
Mt. Laurel, NJ
92.2%28122+0.79 pp
Guaranteed Rate, Inc.
Chicago, IL
90.6%73569+0.29 pp
Guaranteed Rate Affinity, Llc
Chicago, IL
91.7%30125+0.24 pp
Homebridge Financial Services, Inc
Iselin, NJ
88.7%55663+0.64 pp
Loandepot.com Llc
Irvine, CA
88.2%73186+0.36 pp
Paramount Residential Mortgage
Corona, CA
88.7%37342+0.74 pp
United Wholesale Mortgage
Pontiac, MI
86.2%1,909264+0.24 pp
Fairway Independent Mort Corp
Madison, WI
87.1%32642+0.47 pp
Home Point Financial Corporation
Ann Arbor, MI
85.5%33749+0.50 pp

Why high-DTI buyers were denied here

Debt-to-income ratio61% of denialsCollateral (value/type)13% of denialsOther12% of denialsInsufficient cash to close12% of denialsCredit history11% of denials

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Other buyer situations in Bergen County

Best FHA lendersBest VA lendersBest jumbo lendersBest low-down-payment lendersBest lenders for lower-income buyersBest investment-property lenders

Best lenders for high debt-to-income buyers in other NJ counties

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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, high-DTI buyers in Bergen County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →