Best lenders for lower-income buyers in Cumberland County, NJ
On a household income under $75,000, approval odds and lender choice shift. These lenders approve lower-income buyers most often. Based on 6,562 lower-income home-purchase decisions in Cumberland County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For lower-income buyers in Cumberland County, lenders approved 82.9% — 3 points below the 86% all-buyer average in the county.
Top lenders for lower-income buyers in Cumberland County
Lenders with 25+ lower-income 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 | 97.0% | 331 | 10 | +0.95 pp |
| Nation One Mortgage Corporatio Marlton, NJ | 95.3% | 548 | 26 | +0.95 pp |
| Finance Of America Mortgage Llc Horsham, PA | 92.1% | 1,123 | 89 | +0.87 pp |
| Gateway First Bank Jenks, OK | 92.4% | 629 | 48 | +1.05 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 95.0% | 139 | 7 | +1.15 pp |
| American Financial Network, Inc. Brea, CA | 95.1% | 102 | 5 | +1.13 pp |
| Trident Mortgage Company Lp Devon, PA | 94.9% | 99 | 5 | +0.89 pp |
| Movement Mortgage, Llc Indian Land, SC | 93.8% | 146 | 9 | +0.97 pp |
| Allied Mortgage Group, Inc Bala Cynwyd, PA | 93.3% | 135 | 9 | +1.05 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 92.3% | 155 | 12 | +1.17 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 93.4% | 91 | 6 | +0.80 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 92.9% | 99 | 7 | +0.56 pp |
| Nfm, Inc Linthicum, MD | 93.8% | 65 | 4 | +0.85 pp |
| Cardinal Financial Company, Li Charlotte, NC | 82.8% | 250 | 43 | +1.14 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 82.0% | 61 | 11 | +0.97 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, lower-income buyers in Cumberland County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →