Best lenders for lower-income buyers in Somerset 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 4,957 lower-income home-purchase decisions in Somerset 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 Somerset County, lenders approved 85.0% — 7 points below the 92% all-buyer average in the county.
Top lenders for lower-income buyers in Somerset County
Lenders with 25+ lower-income buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Nj Lenders Corp Little Falls, NJ | 97.9% | 239 | 5 | +0.08 pp |
| Peapack Private Bank & Trust Bedminster, NJ | 94.5% | 127 | 7 | -0.75 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 92.9% | 85 | 6 | +0.65 pp |
| Guaranteed Rate, Inc. Chicago, IL | 91.8% | 110 | 9 | +0.37 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 91.0% | 134 | 12 | +0.50 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 91.7% | 84 | 7 | +0.53 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 91.6% | 83 | 7 | +0.70 pp |
| Movement Mortgage, Llc Indian Land, SC | 89.1% | 92 | 10 | +0.58 pp |
| Weichert Financial Services Morris Plains, NJ | 88.8% | 80 | 9 | +0.50 pp |
| Loandepot.com Llc Irvine, CA | 87.5% | 80 | 10 | +0.64 pp |
| Rocket Mortgage Detroit, MI | 83.7% | 221 | 36 | +0.35 pp |
| Affinity Federal Credit Union Basking Ridge, NJ | 86.2% | 87 | 12 | +0.20 pp |
| Paramount Residential Mortgage Corona, CA | 84.1% | 82 | 13 | +1.00 pp |
| Bank Of America Na Westlake Village, CA | 80.6% | 211 | 41 | +0.00 pp |
| United Wholesale Mortgage Pontiac, MI | 79.8% | 188 | 38 | +0.36 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 Somerset County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →