New Jersey · Home purchase
Best lenders for high-DTI buyers in New Jersey
Carrying a debt-to-income ratio of 43% or more narrows your options — some lenders approve stretched budgets far more often than others. Across 319,751 high-DTI home-purchase decisions statewide (2018–2025), lenders approved 85.3%. Here are the lenders that approve high-DTI buyers most, and the county-by-county picture.
Statewide approval
85.3%
272,633 of 319,751
Denial rate
14.7%
47,118 denied
Decisions
319,751
2018–2025
Top high-DTI lenders statewide
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Greentree Mortgage Company, L.p. Gibbsboro, NJ | 97.4% | 5,921 | 151 | +0.78 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 93.9% | 13,409 | 817 | +0.68 pp |
| Nj Lenders Corp Little Falls, NJ | 93.8% | 7,862 | 485 | +0.30 pp |
| Absolute Home Mortgage Fairfield, NJ | 92.7% | 5,668 | 411 | +0.72 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 92.2% | 6,946 | 540 | +0.56 pp |
| Guaranteed Rate, Inc. Chicago, IL | 91.8% | 8,508 | 696 | +0.36 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 91.7% | 7,993 | 666 | +0.86 pp |
| Movement Mortgage, Llc Indian Land, SC | 89.7% | 4,712 | 483 | +0.61 pp |
| Paramount Residential Mortgage Corona, CA | 89.7% | 5,268 | 545 | +0.86 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 88.7% | 6,262 | 705 | +0.72 pp |
| Weichert Financial Services Morris Plains, NJ | 88.9% | 4,067 | 451 | +0.61 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 88.5% | 4,712 | 540 | +0.75 pp |
| Finance Of America Mortgage Llc Horsham, PA | 88.3% | 4,547 | 532 | +0.71 pp |
| Loandepot.com Llc Irvine, CA | 86.7% | 7,108 | 945 | +0.47 pp |
| Mortgage Research Center Columbia, MO | 85.7% | 3,765 | 538 | +0.15 pp |
By county
AtlanticBergenBurlingtonCamdenCape MayCumberlandEssexGloucesterHudsonHunterdonMercerMiddlesexMonmouthMorrisOceanPassaicSalemSomersetSussexUnionWarren
Other buyer situations
Best FHA lendersBest VA lendersBest USDA lendersBest jumbo lendersBest low-down-payment lendersBest lenders for lower-income buyersBest investment-property lendersBest manufactured-home lenders
Source: CFPB HMDA data, 2018–2025. Methodology →