Best lenders for low-down-payment buyers in Mercer County, NJ
Putting down less than 5% (a 95%+ loan-to-value) makes some lenders cautious. These are the ones that still approve low-down buyers. Based on 5,673 low-down-payment home-purchase decisions in Mercer County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For low-down-payment buyers in Mercer County, lenders approved 86.5% — 3 points below the 90% all-buyer average in the county.
Top lenders for low-down-payment buyers in Mercer County
Lenders with 25+ low-down-payment buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Greentree Mortgage Company, L.p. Gibbsboro, NJ | 97.9% | 97 | 2 | +0.94 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 94.2% | 277 | 16 | +0.90 pp |
| Allied Mortgage Group, Inc Bala Cynwyd, PA | 95.5% | 110 | 5 | +0.85 pp |
| Fairway Independent Mort Corp Madison, WI | 94.4% | 89 | 5 | +0.76 pp |
| Cmg Mortgage Inc San Ramon, IL | 93.0% | 115 | 8 | +0.77 pp |
| Gateway First Bank Jenks, OK | 91.1% | 135 | 12 | +0.94 pp |
| Absolute Home Mortgage Fairfield, NJ | 91.7% | 108 | 9 | +0.98 pp |
| Finance Of America Mortgage Llc Horsham, PA | 87.8% | 384 | 47 | +0.78 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 90.7% | 97 | 9 | +0.84 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 88.9% | 153 | 17 | +1.08 pp |
| Mld Mortgage, Inc.dba The Money Store Florham Park, NJ | 89.7% | 117 | 12 | +0.63 pp |
| United Wholesale Mortgage Pontiac, MI | 86.9% | 305 | 40 | +0.61 pp |
| Movement Mortgage, Llc Indian Land, SC | 91.0% | 78 | 7 | +1.00 pp |
| Paramount Residential Mortgage Corona, CA | 88.8% | 89 | 10 | +1.18 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 85.0% | 107 | 16 | +0.86 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, low-down-payment buyers in Mercer County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →