Best FHA lenders in Essex County, NJ
FHA loans let buyers put down as little as 3.5% with more flexible credit — but not every lender welcomes them equally. Based on 15,696 FHA home-purchase decisions in Essex County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For FHA buyers in Essex County, lenders approved 80.1% — 7 points below the 87% all-buyer average in the county.
Top lenders for FHA buyers in Essex County
Lenders with 25+ FHA buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Mlb Residential Lending, Llc Springfield, NJ | 92.5% | 333 | 25 | +1.45 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 89.9% | 730 | 74 | +1.00 pp |
| Nationwide Mortgage Bankers, Inc. Melville, NY | 90.9% | 330 | 30 | +1.29 pp |
| Paramount Residential Mortgage Corona, CA | 88.6% | 745 | 85 | +0.99 pp |
| Absolute Home Mortgage Fairfield, NJ | 89.4% | 322 | 34 | +1.01 pp |
| Nj Lenders Corp Little Falls, NJ | 89.1% | 313 | 34 | +0.83 pp |
| American Financial Network, Inc. Brea, CA | 84.9% | 365 | 55 | +1.34 pp |
| Guaranteed Rate, Inc. Chicago, IL | 83.4% | 428 | 71 | +0.77 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 83.3% | 335 | 56 | +0.90 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 82.8% | 400 | 69 | +1.31 pp |
| Northpointe Bank Grand Rapids, MI | 81.9% | 480 | 87 | +0.78 pp |
| First Alliance Home Mortgage, Llc Cranford, NJ | 80.7% | 305 | 59 | +1.31 pp |
| United Wholesale Mortgage Pontiac, MI | 77.0% | 860 | 198 | +0.53 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 78.1% | 397 | 87 | +0.90 pp |
| Loandepot.com Llc Irvine, CA | 77.7% | 440 | 98 | +1.13 pp |
Why FHA buyers were denied here
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, FHA buyers in Essex County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →