Best lenders for low-down-payment buyers in Passaic 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 7,528 low-down-payment home-purchase decisions in Passaic 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 Passaic County, lenders approved 85.9% — 3 points below the 89% all-buyer average in the county.
Top lenders for low-down-payment buyers in Passaic 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 |
|---|---|---|---|---|
| Freedom Mortgage Corporation Boca Raton, FL | 96.8% | 154 | 5 | +0.86 pp |
| Nj Lenders Corp Little Falls, NJ | 94.7% | 337 | 18 | +0.66 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 94.3% | 331 | 19 | +0.91 pp |
| American Financial Network, Inc. Brea, CA | 94.6% | 222 | 12 | +1.23 pp |
| Northpointe Bank Grand Rapids, MI | 95.0% | 179 | 9 | +0.82 pp |
| Nationwide Mortgage Bankers, Inc. Melville, NY | 94.7% | 150 | 8 | +1.43 pp |
| Absolute Home Mortgage Fairfield, NJ | 92.6% | 244 | 18 | +0.95 pp |
| United Mortgage Corp. Melville, NY | 93.0% | 186 | 13 | +1.10 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 91.3% | 309 | 27 | +0.96 pp |
| Paramount Residential Mortgage Corona, CA | 90.9% | 328 | 30 | +0.94 pp |
| Nations Lending Corporation Independence, OH | 91.2% | 137 | 12 | +1.22 pp |
| Guaranteed Rate, Inc. Chicago, IL | 89.2% | 203 | 22 | +0.63 pp |
| Loandepot.com Llc Irvine, CA | 89.3% | 149 | 16 | +0.99 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 88.5% | 156 | 18 | +1.22 pp |
| Movement Mortgage, Llc Indian Land, SC | 87.2% | 109 | 14 | +0.79 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 Passaic County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →