Best lenders for low-down-payment buyers in Hudson County, NJ
Putting down less than 5% (a 95%+ loan-to-value) makes some lenders cautious. These are the ones that still approve low-down buyers. Based on 3,582 low-down-payment home-purchase decisions in Hudson County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For low-down-payment buyers in Hudson County, lenders approved 81.7% — 6 points below the 88% all-buyer average in the county.
Top lenders for low-down-payment buyers in Hudson County
Lenders with 25+ low-down-payment buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Nationwide Mortgage Bankers, Inc. Melville, NY | 98.3% | 59 | 1 | +1.19 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 94.1% | 255 | 15 | +0.76 pp |
| First Alliance Home Mortgage, Llc Cranford, NJ | 96.5% | 86 | 3 | +1.13 pp |
| Northpointe Bank Grand Rapids, MI | 95.5% | 88 | 4 | +0.87 pp |
| Nj Lenders Corp Little Falls, NJ | 90.8% | 163 | 15 | +0.68 pp |
| Bond Street Mortgage, Llc Paramus, NJ | 92.1% | 63 | 5 | +0.54 pp |
| Guaranteed Rate, Inc. Chicago, IL | 89.2% | 102 | 11 | +0.62 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 89.2% | 74 | 8 | +0.85 pp |
| Paramount Residential Mortgage Corona, CA | 89.0% | 73 | 8 | +0.88 pp |
| Freedom Mortgage Corporation Boca Raton, FL | 90.4% | 52 | 5 | +0.60 pp |
| Absolute Home Mortgage Fairfield, NJ | 88.7% | 71 | 8 | +0.82 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 87.0% | 54 | 7 | +0.77 pp |
| Loandepot.com Llc Irvine, CA | 80.6% | 144 | 28 | +0.77 pp |
| United Wholesale Mortgage Pontiac, MI | 79.2% | 202 | 42 | +0.47 pp |
| Home Point Financial Corporation Ann Arbor, MI | 81.7% | 60 | 11 | +0.68 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, low-down-payment buyers in Hudson County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →