Best lenders for lower-income buyers in Passaic County, NJ
On a household income under $75,000, approval odds and lender choice shift. These lenders approve lower-income buyers most often. Based on 6,940 lower-income 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 lower-income buyers in Passaic County, lenders approved 82.2% — 7 points below the 89% all-buyer average in the county.
Top lenders for lower-income buyers in Passaic County
Lenders with 25+ lower-income buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Nj Lenders Corp Little Falls, NJ | 96.7% | 760 | 25 | +0.17 pp |
| Freedom Mortgage Corporation Boca Raton, FL | 94.0% | 217 | 13 | +0.61 pp |
| Absolute Home Mortgage Fairfield, NJ | 93.8% | 112 | 7 | +0.93 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 89.9% | 248 | 25 | +0.81 pp |
| Nationwide Mortgage Bankers, Inc. Melville, NY | 89.6% | 183 | 19 | +1.35 pp |
| United Mortgage Corp. Melville, NY | 89.4% | 160 | 17 | +0.91 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 88.1% | 185 | 22 | +0.85 pp |
| Loandepot.com Llc Irvine, CA | 88.3% | 111 | 13 | +0.57 pp |
| American Financial Network, Inc. Brea, CA | 87.9% | 107 | 13 | +1.15 pp |
| Guaranteed Rate, Inc. Chicago, IL | 86.6% | 142 | 19 | +0.27 pp |
| Weichert Financial Services Morris Plains, NJ | 87.4% | 95 | 12 | +0.57 pp |
| Valley National Bank Morristown, NJ | 83.7% | 92 | 15 | -0.22 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 82.9% | 111 | 19 | +0.96 pp |
| Paramount Residential Mortgage Corona, CA | 82.5% | 114 | 20 | +0.91 pp |
| United Wholesale Mortgage Pontiac, MI | 78.8% | 283 | 60 | +0.47 pp |
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, lower-income buyers in Passaic County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →