New Jersey · Home purchase

Best lenders for high-DTI buyers in Ocean 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 31,658 high-DTI home-purchase decisions in Ocean County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.

Lenders for high debt-to-income buyers approval
87.2%
27,618 of 31,658
Denial rate
12.8%
4,040 denied
Decisions
31,658
2018–2025

For high-DTI buyers in Ocean County, lenders approved 87.2% — 4 points below the 91% all-buyer average in the county.

Top lenders for high-DTI buyers in Ocean County

Lenders with 25+ high-DTI buyers decisions here, ranked by a sample-size-adjusted approval rate.

LenderApprovalDecisionsDeniedAvg. rate spread
Equity Prime Mortgage Llc
Atlanta, GA
98.1%79415+1.05 pp
Fm Home Loans Llc
Brooklyn, NY
96.9%91128+0.27 pp
Ark Mortgage, Inc.
Montebello, NY
97.2%49314+0.44 pp
Crosscountry Mortgage, Llc
Cleveland, OH
95.0%1,01151+0.65 pp
American Neighborhood Mortgage Acceptance Company
Mt. Laurel, NJ
94.2%1,28274+0.77 pp
Guaranteed Rate, Inc.
Chicago, IL
94.1%88252+0.23 pp
Advisors Mortgage Group, Llc
Ocean, NJ
93.3%1,662111+0.58 pp
Nj Lenders Corp
Little Falls, NJ
93.8%52933+0.33 pp
Homebridge Financial Services, Inc
Iselin, NJ
91.9%45637+0.75 pp
Paramount Residential Mortgage
Corona, CA
89.9%52353+0.80 pp
United Wholesale Mortgage
Pontiac, MI
88.5%1,301150+0.34 pp
Loandepot.com Llc
Irvine, CA
87.1%875113+0.48 pp
Dhi Mortgage Company, Ltd.
Austin, TX
86.6%52170+0.05 pp
Oceanfirst Bank
Toms River, NJ
86.2%44261-0.09 pp
Caliber Home Loans, Inc.
Fort Washington, PA
85.9%43461+0.73 pp

Why high-DTI buyers were denied here

Debt-to-income ratio58% of denialsCredit history17% of denialsOther13% of denialsCollateral (value/type)11% of denialsInsufficient cash to close11% of denials

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Other buyer situations in Ocean County

Best FHA lendersBest VA lendersBest USDA lendersBest jumbo lendersBest low-down-payment lendersBest lenders for lower-income buyersBest investment-property lendersBest manufactured-home lenders

Best lenders for high debt-to-income buyers in other NJ counties

AtlanticBergenBurlingtonCamdenCape MayCumberlandEssexGloucesterHudsonHunterdonMercerMiddlesexMonmouthMorrisPassaicSalemSomersetSussexUnionWarren

Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, high-DTI buyers in Ocean County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →