Best VA loan lenders in Bergen County, NJ
VA loans offer eligible veterans and service members zero down and no PMI. Lender experience with VA files varies widely. Based on 1,323 VA home-purchase decisions in Bergen County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For VA buyers in Bergen County, lenders approved 86.1% — 5 points below the 91% all-buyer average in the county.
Top lenders for VA buyers in Bergen County
Lenders with 25+ VA buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Nj Lenders Corp Little Falls, NJ | 98.1% | 53 | 1 | -0.24 pp |
| Guaranteed Rate, Inc. Chicago, IL | 100.0% | 27 | 0 | -0.19 pp |
| Bond Street Mortgage, Llc Paramus, NJ | 100.0% | 25 | 0 | -0.15 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 95.1% | 41 | 2 | -0.09 pp |
| Mortgage Research Center Columbia, MO | 87.4% | 247 | 31 | -0.03 pp |
| Navy Federal Credit Union Vienna, VA | 85.5% | 110 | 16 | -0.43 pp |
| Wells Fargo Bank Na Minneapolis, MN | 90.0% | 30 | 3 | -0.41 pp |
| United Wholesale Mortgage Pontiac, MI | 84.4% | 64 | 10 | -0.47 pp |
| Fairway Independent Mort Corp Madison, WI | 88.0% | 25 | 3 | +0.08 pp |
| Rocket Mortgage Detroit, MI | 83.0% | 47 | 8 | -0.28 pp |
| Usaa Federal Savings Bank San Antonio, TX | 75.7% | 115 | 28 | +0.00 pp |
Why VA buyers were denied here
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, VA buyers in Bergen County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →