Best lenders for low-down-payment buyers in Union 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 9,397 low-down-payment home-purchase decisions in Union 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 Union County, lenders approved 84.9% — 4 points below the 89% all-buyer average in the county.
Top lenders for low-down-payment buyers in Union 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 |
|---|---|---|---|---|
| Northpointe Bank Grand Rapids, MI | 97.5% | 157 | 4 | +0.78 pp |
| Nj Lenders Corp Little Falls, NJ | 95.6% | 227 | 10 | +0.71 pp |
| Nationwide Mortgage Bankers, Inc. Melville, NY | 94.6% | 184 | 10 | +1.37 pp |
| Paramount Residential Mortgage Corona, CA | 92.3% | 504 | 39 | +1.10 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 91.2% | 260 | 23 | +1.03 pp |
| Mlb Residential Lending, Llc Springfield, NJ | 89.7% | 301 | 31 | +1.32 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 89.4% | 341 | 36 | +0.90 pp |
| First Alliance Home Mortgage, Llc Cranford, NJ | 90.1% | 172 | 17 | +1.13 pp |
| Panorama Mortgage Group, Llc Las Vegas, NV | 88.7% | 221 | 25 | +1.21 pp |
| Finance Of America Mortgage Llc Horsham, PA | 89.0% | 191 | 21 | +0.78 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 87.3% | 300 | 38 | +0.87 pp |
| Guaranteed Rate, Inc. Chicago, IL | 87.9% | 206 | 25 | +0.75 pp |
| Fairway Independent Mort Corp Madison, WI | 88.4% | 164 | 19 | +0.95 pp |
| Sun West Mortgage Company, Inc Cerritos, CA | 87.4% | 230 | 29 | +1.23 pp |
| United Wholesale Mortgage Pontiac, MI | 85.3% | 429 | 63 | +0.54 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 Union County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →