Best lenders for high-DTI buyers in Mercer 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 10,541 high-DTI home-purchase decisions in Mercer 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 Mercer County, lenders approved 83.6% — 6 points below the 90% all-buyer average in the county.
Top lenders for high-DTI buyers in Mercer County
Lenders with 25+ high-DTI buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Fairway Independent Mort Corp Madison, WI | 95.0% | 181 | 9 | +0.49 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 92.9% | 434 | 31 | +0.70 pp |
| Cmg Mortgage Inc San Ramon, IL | 93.8% | 128 | 8 | +0.61 pp |
| Absolute Home Mortgage Fairfield, NJ | 92.8% | 153 | 11 | +0.79 pp |
| Movement Mortgage, Llc Indian Land, SC | 92.6% | 122 | 9 | +0.61 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 90.9% | 164 | 15 | +0.71 pp |
| Prosperity Home Mortgage, Llc Chantilly, VA | 90.0% | 200 | 20 | +0.50 pp |
| Finance Of America Mortgage Llc Horsham, PA | 87.7% | 584 | 72 | +0.60 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 90.2% | 143 | 14 | +0.87 pp |
| Mld Mortgage, Inc.dba The Money Store Florham Park, NJ | 88.6% | 211 | 24 | +0.28 pp |
| Mortgage Research Center Columbia, MO | 89.0% | 136 | 15 | +0.20 pp |
| United Wholesale Mortgage Pontiac, MI | 85.1% | 603 | 90 | +0.39 pp |
| Gateway First Bank Jenks, OK | 88.2% | 127 | 15 | +0.84 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 86.0% | 214 | 30 | +0.90 pp |
| Rocket Mortgage Detroit, MI | 80.5% | 646 | 126 | +0.40 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 Mercer County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →