Best lenders for high-DTI buyers in Bergen County, NJ
Carrying a debt-to-income ratio of 43% or more narrows your options — some lenders approve stretched budgets far more often than others. Based on 26,316 high-DTI 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 high-DTI buyers in Bergen County, lenders approved 84.7% — 6 points below the 91% all-buyer average in the county.
Top lenders for high-DTI buyers in Bergen County
Lenders with 25+ high-DTI buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Bond Street Mortgage, Llc Paramus, NJ | 97.4% | 544 | 14 | +0.38 pp |
| Nj Lenders Corp Little Falls, NJ | 93.5% | 1,653 | 108 | +0.26 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 93.6% | 1,328 | 85 | +0.68 pp |
| Absolute Home Mortgage Fairfield, NJ | 94.6% | 352 | 19 | +0.64 pp |
| Unity Bank Clinton, NJ | 94.7% | 320 | 17 | +0.81 pp |
| Nationwide Mortgage Bankers, Inc. Melville, NY | 92.5% | 295 | 22 | +0.93 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 92.2% | 281 | 22 | +0.79 pp |
| Guaranteed Rate, Inc. Chicago, IL | 90.6% | 735 | 69 | +0.29 pp |
| Guaranteed Rate Affinity, Llc Chicago, IL | 91.7% | 301 | 25 | +0.24 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 88.7% | 556 | 63 | +0.64 pp |
| Loandepot.com Llc Irvine, CA | 88.2% | 731 | 86 | +0.36 pp |
| Paramount Residential Mortgage Corona, CA | 88.7% | 373 | 42 | +0.74 pp |
| United Wholesale Mortgage Pontiac, MI | 86.2% | 1,909 | 264 | +0.24 pp |
| Fairway Independent Mort Corp Madison, WI | 87.1% | 326 | 42 | +0.47 pp |
| Home Point Financial Corporation Ann Arbor, MI | 85.5% | 337 | 49 | +0.50 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, high-DTI buyers in Bergen County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →