Best lenders for low-down-payment buyers in Warren 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 3,163 low-down-payment home-purchase decisions in Warren 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 Warren County, lenders approved 85.0% — 4 points below the 89% all-buyer average in the county.
Top lenders for low-down-payment buyers in Warren 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 |
|---|---|---|---|---|
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 95.1% | 122 | 6 | +1.07 pp |
| Absolute Home Mortgage Fairfield, NJ | 93.9% | 196 | 12 | +1.11 pp |
| Nj Lenders Corp Little Falls, NJ | 94.5% | 73 | 4 | +0.73 pp |
| Movement Mortgage, Llc Indian Land, SC | 90.9% | 143 | 13 | +1.01 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 90.8% | 120 | 11 | +0.97 pp |
| American Financial Network, Inc. Brea, CA | 95.0% | 40 | 2 | +1.32 pp |
| Weichert Financial Services Morris Plains, NJ | 91.2% | 68 | 6 | +1.13 pp |
| Guaranteed Rate, Inc. Chicago, IL | 87.9% | 116 | 14 | +0.71 pp |
| Finance Of America Mortgage Llc Horsham, PA | 90.9% | 55 | 5 | +0.72 pp |
| Paramount Residential Mortgage Corona, CA | 90.2% | 41 | 4 | +0.99 pp |
| Loandepot.com Llc Irvine, CA | 86.1% | 79 | 11 | +1.06 pp |
| Mlb Residential Lending, Llc Springfield, NJ | 89.7% | 39 | 4 | +1.30 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 89.5% | 38 | 4 | +0.83 pp |
| Cardinal Financial Company, Li Charlotte, NC | 85.7% | 70 | 10 | +1.05 pp |
| United Wholesale Mortgage Pontiac, MI | 81.2% | 117 | 22 | +0.64 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 Warren County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →