Best lenders for high-DTI buyers in Cape May 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 5,976 high-DTI home-purchase decisions in Cape May 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 Cape May County, lenders approved 85.7% — 7 points below the 92% all-buyer average in the county.
Top lenders for high-DTI buyers in Cape May County
Lenders with 25+ high-DTI buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Draper And Kramer Mortgage Corp. Downers Grove, IL | 97.3% | 111 | 3 | +0.37 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 96.6% | 147 | 5 | +0.40 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 93.9% | 456 | 28 | +0.64 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 95.3% | 171 | 8 | +0.56 pp |
| Greentree Mortgage Company, L.p. Gibbsboro, NJ | 94.9% | 117 | 6 | +0.52 pp |
| Allied Mortgage Group, Inc Bala Cynwyd, PA | 93.9% | 114 | 7 | +0.68 pp |
| Guaranteed Rate, Inc. Chicago, IL | 93.2% | 133 | 9 | +0.32 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 91.8% | 208 | 17 | +0.37 pp |
| Home Point Financial Corporation Ann Arbor, MI | 93.2% | 117 | 8 | +0.48 pp |
| Firstrust Savings Bank Horsham, PA | 93.0% | 86 | 6 | +0.35 pp |
| Us Bank, N.a. Cincinnati, OH | 93.3% | 75 | 5 | -0.06 pp |
| Republic First Bank Philadelphia, PA | 89.8% | 196 | 20 | +0.18 pp |
| United Wholesale Mortgage Pontiac, MI | 89.1% | 137 | 15 | +0.31 pp |
| Mortgage Research Center Columbia, MO | 91.3% | 69 | 6 | +0.16 pp |
| Movement Mortgage, Llc Indian Land, SC | 89.7% | 87 | 9 | +0.46 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 Cape May County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →