Best FHA lenders in Somerset 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 3,770 FHA 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 FHA buyers in Somerset County, lenders approved 85.7% — 6 points below the 92% all-buyer average in the county.
Top lenders for FHA buyers in Somerset County
Lenders with 25+ FHA buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| American Financial Network, Inc. Brea, CA | 97.0% | 67 | 2 | +1.34 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 94.2% | 138 | 8 | +0.95 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 91.7% | 96 | 8 | +0.90 pp |
| Mlb Residential Lending, Llc Springfield, NJ | 91.7% | 84 | 7 | +1.32 pp |
| Movement Mortgage, Llc Indian Land, SC | 90.8% | 98 | 9 | +1.00 pp |
| Finance Of America Mortgage Llc Horsham, PA | 93.0% | 57 | 4 | +0.71 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 90.9% | 88 | 8 | +1.04 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 89.7% | 117 | 12 | +1.17 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 90.2% | 82 | 8 | +1.04 pp |
| Paramount Residential Mortgage Corona, CA | 86.3% | 161 | 22 | +1.13 pp |
| Guaranteed Rate, Inc. Chicago, IL | 88.8% | 80 | 9 | +0.91 pp |
| First Alliance Home Mortgage, Llc Cranford, NJ | 90.0% | 60 | 6 | +1.36 pp |
| Freedom Mortgage Corporation Boca Raton, FL | 88.7% | 62 | 7 | +0.82 pp |
| Nj Lenders Corp Little Falls, NJ | 87.5% | 72 | 9 | +0.85 pp |
| United Wholesale Mortgage Pontiac, MI | 82.2% | 219 | 39 | +0.64 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, FHA buyers in Somerset County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →