Best lenders for low-down-payment buyers in Morris 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 4,381 low-down-payment home-purchase decisions in Morris 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 Morris County, lenders approved 88.6% — 4 points below the 93% all-buyer average in the county.
Top lenders for low-down-payment buyers in Morris 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 |
|---|---|---|---|---|
| Nj Lenders Corp Little Falls, NJ | 96.1% | 180 | 7 | +0.57 pp |
| Absolute Home Mortgage Fairfield, NJ | 95.0% | 261 | 13 | +1.02 pp |
| Movement Mortgage, Llc Indian Land, SC | 98.4% | 61 | 1 | +0.89 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 95.2% | 189 | 9 | +0.71 pp |
| American Financial Network, Inc. Brea, CA | 98.2% | 57 | 1 | +1.25 pp |
| Weichert Financial Services Morris Plains, NJ | 94.0% | 167 | 10 | +0.69 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 93.4% | 151 | 10 | +1.03 pp |
| Guaranteed Rate, Inc. Chicago, IL | 91.4% | 185 | 16 | +0.60 pp |
| Northpointe Bank Grand Rapids, MI | 94.3% | 70 | 4 | +0.74 pp |
| Family First Funding Llc Toms River, NJ | 91.0% | 155 | 14 | +0.95 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 91.5% | 71 | 6 | +0.83 pp |
| Loandepot.com Llc Irvine, CA | 87.0% | 146 | 19 | +0.84 pp |
| United Wholesale Mortgage Pontiac, MI | 84.2% | 215 | 34 | +0.35 pp |
| Home Point Financial Corporation Ann Arbor, MI | 87.3% | 63 | 8 | +0.99 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 85.3% | 68 | 10 | +0.65 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 Morris County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →