Best lenders for investment property in Bergen County, NJ
Buying a rental or investment property is underwritten differently than a home you'll live in. Not every lender is comfortable with it. Based on 2,052 investment-property 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 investment-property buyers in Bergen County, lenders approved 89.9% — 1 points below the 91% all-buyer average in the county.
Top lenders for investment-property buyers in Bergen County
Lenders with 25+ investment-property buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Nj Lenders Corp Little Falls, NJ | 97.4% | 345 | 9 | — |
| Unity Bank Clinton, NJ | 97.8% | 89 | 2 | +1.31 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 97.9% | 48 | 1 | +1.64 pp |
| Absolute Home Mortgage Fairfield, NJ | 100.0% | 31 | 0 | — |
| Bond Street Mortgage, Llc Paramus, NJ | 95.2% | 83 | 4 | +0.80 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 94.9% | 39 | 2 | +1.02 pp |
| Newrez Llc Fort Washington, PA | 92.3% | 39 | 3 | +0.94 pp |
| Finance Of America Mortgage Llc Horsham, PA | 93.1% | 29 | 2 | — |
| Caliber Home Loans, Inc. Fort Washington, PA | 91.2% | 34 | 3 | +0.76 pp |
| The Loan Store, Inc Tucson, AZ | 89.7% | 39 | 4 | -0.18 pp |
| Rocket Mortgage Detroit, MI | 81.4% | 220 | 41 | +0.61 pp |
| Td Bank Mount Laurel, NJ | 89.3% | 28 | 3 | +0.55 pp |
| Wells Fargo Bank Na Minneapolis, MN | 75.7% | 115 | 28 | +0.72 pp |
Why investment-property buyers were denied here
See your own odds and pricing
Get a lender shortlist for your exact profile, or check who overcharges borrowers like you.
Approval tool → Overcharge check →Other buyer situations in Bergen County
Best investment-property lenders in other NJ counties
Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, investment-property buyers in Bergen County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →