Best lenders for lower-income buyers in Warren 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 3,945 lower-income home-purchase decisions in Warren 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 Warren County, lenders approved 83.2% — 6 points below the 89% all-buyer average in the county.
Top lenders for lower-income buyers in Warren County
Lenders with 25+ lower-income buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Absolute Home Mortgage Fairfield, NJ | 95.5% | 179 | 8 | +0.82 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 93.8% | 129 | 8 | +0.82 pp |
| Nj Lenders Corp Little Falls, NJ | 91.9% | 136 | 11 | +0.34 pp |
| Realfi Home Funding Corp White Plains, NY | 94.3% | 53 | 3 | +0.89 pp |
| Weichert Financial Services Morris Plains, NJ | 89.8% | 128 | 13 | +0.75 pp |
| Guaranteed Rate Affinity, Llc Chicago, IL | 91.8% | 73 | 6 | +0.44 pp |
| Movement Mortgage, Llc Indian Land, SC | 88.2% | 170 | 20 | +0.73 pp |
| Guaranteed Rate, Inc. Chicago, IL | 87.4% | 135 | 17 | +0.53 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 88.0% | 83 | 10 | +0.74 pp |
| Huntington National Bank Columbus, OH | 88.9% | 54 | 6 | +0.25 pp |
| Loandepot.com Llc Irvine, CA | 85.9% | 78 | 11 | +0.69 pp |
| Finance Of America Mortgage Llc Horsham, PA | 86.2% | 65 | 9 | +0.60 pp |
| United Wholesale Mortgage Pontiac, MI | 83.2% | 119 | 20 | +0.44 pp |
| Family First Funding Llc Toms River, NJ | 84.0% | 81 | 13 | +1.04 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 84.2% | 57 | 9 | +1.04 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 Warren County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →