Best lenders for investment property in Essex 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 1,667 investment-property home-purchase decisions in Essex 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 Essex County, lenders approved 82.7% — 4 points below the 87% all-buyer average in the county.
Top lenders for investment-property buyers in Essex County
Lenders with 25+ investment-property buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Ark Mortgage, Inc. Montebello, NY | 100.0% | 44 | 0 | +1.13 pp |
| Nj Lenders Corp Little Falls, NJ | 95.3% | 127 | 6 | — |
| Bond Street Mortgage, Llc Paramus, NJ | 100.0% | 34 | 0 | +1.08 pp |
| Fm Home Loans Llc Brooklyn, NY | 97.5% | 40 | 1 | +1.48 pp |
| Finance Of America Mortgage Llc Horsham, PA | 93.3% | 30 | 2 | — |
| Peapack Private Bank & Trust Bedminster, NJ | 93.1% | 29 | 2 | +0.28 pp |
| United Mortgage Corp. Melville, NY | 89.7% | 39 | 4 | +1.41 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 89.7% | 29 | 3 | +1.79 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 86.5% | 37 | 5 | +0.90 pp |
| Absolute Home Mortgage Fairfield, NJ | 87.5% | 32 | 4 | — |
| Newrez Llc Fort Washington, PA | 79.3% | 29 | 6 | +1.76 pp |
| Paramount Residential Mortgage Corona, CA | 75.0% | 40 | 10 | — |
| American Financial Network, Inc. Brea, CA | 75.0% | 32 | 8 | — |
| Rocket Mortgage Detroit, MI | 64.7% | 116 | 41 | +0.77 pp |
| Wells Fargo Bank Na Minneapolis, MN | 63.3% | 90 | 33 | +0.86 pp |
Why investment-property buyers were denied here
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, investment-property buyers in Essex County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →