New Jersey · Home purchase

Best lenders for investment property in Essex County, NJ

Buying a rental or investment property is underwritten differently than a home you'll live in. Not every lender is comfortable with it. Based on 1,667 investment-property home-purchase decisions in Essex County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.

Investment-property approval
82.7%
1,378 of 1,667
Denial rate
17.3%
289 denied
Decisions
1,667
2018–2025

For investment-property buyers in Essex County, lenders approved 82.7% — 4 points below the 87% all-buyer average in the county.

Top lenders for investment-property buyers in Essex County

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

LenderApprovalDecisionsDeniedAvg. rate spread
Ark Mortgage, Inc.
Montebello, NY
100.0%440+1.13 pp
Nj Lenders Corp
Little Falls, NJ
95.3%1276
Bond Street Mortgage, Llc
Paramus, NJ
100.0%340+1.08 pp
Fm Home Loans Llc
Brooklyn, NY
97.5%401+1.48 pp
Finance Of America Mortgage Llc
Horsham, PA
93.3%302
Peapack Private Bank & Trust
Bedminster, NJ
93.1%292+0.28 pp
United Mortgage Corp.
Melville, NY
89.7%394+1.41 pp
Homebridge Financial Services, Inc
Iselin, NJ
89.7%293+1.79 pp
Caliber Home Loans, Inc.
Fort Washington, PA
86.5%375+0.90 pp
Absolute Home Mortgage
Fairfield, NJ
87.5%324
Newrez Llc
Fort Washington, PA
79.3%296+1.76 pp
Paramount Residential Mortgage
Corona, CA
75.0%4010
American Financial Network, Inc.
Brea, CA
75.0%328
Rocket Mortgage
Detroit, MI
64.7%11641+0.77 pp
Wells Fargo Bank Na
Minneapolis, MN
63.3%9033+0.86 pp

Why investment-property buyers were denied here

Debt-to-income ratio25% of denialsOther25% of denialsCollateral (value/type)24% of denialsIncomplete application17% of denialsInsufficient cash to close12% of denials

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Other buyer situations in Essex County

Best FHA lendersBest VA lendersBest jumbo lendersBest lenders for high debt-to-income buyersBest low-down-payment lendersBest lenders for lower-income buyers

Best investment-property lenders in other NJ counties

AtlanticBergenBurlingtonCamdenCape MayGloucesterHudsonMercerMiddlesexMonmouthMorrisOceanPassaicSomersetSussexUnion

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