Best lenders for high-DTI buyers in Somerset 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 10,826 high-DTI home-purchase decisions in Somerset County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For high-DTI buyers in Somerset County, lenders approved 86.5% — 6 points below the 92% all-buyer average in the county.
Top lenders for high-DTI buyers in Somerset County
Lenders with 25+ high-DTI buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Crosscountry Mortgage, Llc Cleveland, OH | 95.5% | 310 | 14 | +0.54 pp |
| Guaranteed Rate Affinity, Llc Chicago, IL | 95.9% | 220 | 9 | +0.26 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 94.8% | 229 | 12 | +0.60 pp |
| Guaranteed Rate, Inc. Chicago, IL | 94.5% | 255 | 14 | +0.33 pp |
| Nj Lenders Corp Little Falls, NJ | 93.6% | 250 | 16 | +0.28 pp |
| Embrace Home Loans, Inc. Middletown, RI | 93.4% | 197 | 13 | +0.27 pp |
| Movement Mortgage, Llc Indian Land, SC | 92.3% | 235 | 18 | +0.52 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 92.3% | 143 | 11 | +0.49 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 90.6% | 212 | 20 | +0.71 pp |
| Weichert Financial Services Morris Plains, NJ | 90.8% | 184 | 17 | +0.50 pp |
| Paramount Residential Mortgage Corona, CA | 88.3% | 223 | 26 | +0.86 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 88.4% | 147 | 17 | +0.73 pp |
| Loandepot.com Llc Irvine, CA | 86.7% | 248 | 33 | +0.50 pp |
| Rocket Mortgage Detroit, MI | 84.6% | 635 | 98 | +0.32 pp |
| Gateway First Bank Jenks, OK | 86.8% | 152 | 20 | +0.65 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, high-DTI buyers in Somerset County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →