Best lenders for lower-income buyers in Sussex 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 5,778 lower-income home-purchase decisions in Sussex 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 Sussex County, lenders approved 84.7% — 5 points below the 90% all-buyer average in the county.
Top lenders for lower-income buyers in Sussex 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 | 95.8% | 330 | 14 | +0.32 pp |
| Guaranteed Rate, Inc. Chicago, IL | 93.4% | 286 | 19 | +0.50 pp |
| Absolute Home Mortgage Fairfield, NJ | 92.2% | 243 | 19 | +0.72 pp |
| Realfi Home Funding Corp White Plains, NY | 92.9% | 170 | 12 | +1.04 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 93.0% | 158 | 11 | +0.80 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 91.3% | 312 | 27 | +1.00 pp |
| Weichert Financial Services Morris Plains, NJ | 91.9% | 198 | 16 | +0.63 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 91.3% | 126 | 11 | +0.45 pp |
| Movement Mortgage, Llc Indian Land, SC | 88.9% | 162 | 18 | +0.78 pp |
| Guaranteed Rate Affinity, Llc Chicago, IL | 90.8% | 76 | 7 | +0.35 pp |
| United Wholesale Mortgage Pontiac, MI | 88.1% | 134 | 16 | +0.39 pp |
| Family First Funding Llc Toms River, NJ | 84.0% | 486 | 78 | +0.95 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 87.7% | 73 | 9 | +1.00 pp |
| Loandepot.com Llc Irvine, CA | 82.6% | 138 | 24 | +0.78 pp |
| Cardinal Financial Company, Li Charlotte, NC | 80.9% | 220 | 42 | +0.85 pp |
Why lower-income buyers were denied here
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, lower-income buyers in Sussex County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →