Best lenders for lower-income buyers in Mercer 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 8,242 lower-income 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 lower-income buyers in Mercer County, lenders approved 83.5% — 6 points below the 90% all-buyer average in the county.
Top lenders for lower-income buyers in Mercer County
Lenders with 25+ lower-income buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Fairway Independent Mort Corp Madison, WI | 96.8% | 124 | 4 | +0.52 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 92.1% | 305 | 24 | +0.69 pp |
| Finance Of America Mortgage Llc Horsham, PA | 88.9% | 722 | 80 | +0.62 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 91.9% | 148 | 12 | +0.92 pp |
| Allied Mortgage Group, Inc Bala Cynwyd, PA | 92.0% | 112 | 9 | +0.89 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 91.2% | 114 | 10 | +0.67 pp |
| Santander Bank N.a. New York, NY | 90.2% | 133 | 13 | -0.49 pp |
| Absolute Home Mortgage Fairfield, NJ | 89.9% | 109 | 11 | +0.83 pp |
| United Wholesale Mortgage Pontiac, MI | 86.1% | 423 | 59 | +0.50 pp |
| Gateway First Bank Jenks, OK | 87.9% | 140 | 17 | +0.77 pp |
| Loandepot.com Llc Irvine, CA | 87.7% | 130 | 16 | +0.72 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 86.8% | 121 | 16 | +0.57 pp |
| Mld Mortgage, Inc.dba The Money Store Florham Park, NJ | 86.4% | 118 | 16 | +0.20 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 83.9% | 155 | 25 | +0.98 pp |
| Rocket Mortgage Detroit, MI | 77.6% | 420 | 94 | +0.50 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 Mercer County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →