Mortgage Lenders and Brokers in Phillipsburg, New Jersey
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Phillipsburg, New Jersey mortgage lenders include IRCO Community Federal Credit UnionIRCO Community Federal Credit Union450 Hillcrest Blvd, Phillipsburg, NJ 08865A+5.0 ★Texas Ratio: 0.04%, PNC Bank N.A.PNC Bank N.A.755 Memorial Pkwy, Phillipsburg, NJ 08865A+5.0 ★Texas Ratio: 4.24%, Unity BankUnity Bank1225 Us 22 W, Phillipsburg, NJ 08865A5.0 ★Texas Ratio: 9.27%, Wells Fargo Bank NAWells Fargo Bank NA1230 Us Highway 22, Phillipsburg, NJ 08865A+5.0 ★Texas Ratio: 5.36%, Provident BankProvident Bank190 Roseberry St, Phillipsburg, NJ 08865A+5.0 ★Texas Ratio: 3.46%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA306 Roseberry St, Phillipsburg, NJ 08865A+5.0 ★Texas Ratio: 3.68%, TD BankTD Bank1321 Route 22, Phillipsburg, NJ 08865A+5.0 ★Texas Ratio: 3.71%, Princeton Mortgage CorporationPrinceton Mortgage Corporation335 Farnsworth Ave, Bordentown, NJ 08505A+5.0 ★Texas Ratio: 5.94%, Fulton Bank, National AssociationFulton Bank, National Association20 N Main St, Allentown, NJ 08501A+5.0 ★Texas Ratio: 4.85%, and Peapack Private Bank & TrustPeapack Private Bank & Trust500 Hills Drive Suite 300, Bedminster, NJ 07921. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Phillipsburg, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Phillipsburg are listed first, then lenders elsewhere in New Jersey, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Phillipsburg, New Jersey
Market share is the lender's share of all home loans closed in Phillipsburg, New Jersey. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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450 Hillcrest Blvd, Phillipsburg, NJ 08865 A+5.0 ★Texas Ratio: 0.04% |
Conventional | 10 | 3.6% | 83.3% | $56,000 | View |
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★ 1.7 stars, 3 reviews 1 office in Phillipsburg 755 Memorial Pkwy, Phillipsburg, NJ 08865 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 2 +48 HELOCs |
0.7% | 100% | $125,000 | View |
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1 office in Phillipsburg 1225 Us 22 W, Phillipsburg, NJ 08865 A5.0 ★Texas Ratio: 9.27% |
Conventional, FHA | 2 | 0.7% | 40% | $260,000 | View |
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1 office in Phillipsburg 1230 Us Highway 22, Phillipsburg, NJ 08865 A+5.0 ★Texas Ratio: 5.36% |
Conventional, FHA | 2 | 0.7% | 100% | $310,000 | View |
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1 office in Phillipsburg 190 Roseberry St, Phillipsburg, NJ 08865 A+5.0 ★Texas Ratio: 3.46% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 50% | $295,000 | View |
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1 office in Phillipsburg 306 Roseberry St, Phillipsburg, NJ 08865 A+5.0 ★Texas Ratio: 3.68% |
FHA | 1 | 0.4% | 33.3% | $295,000 | View |
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1 office in Phillipsburg 1321 Route 22, Phillipsburg, NJ 08865 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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★ 2 stars, 1 review 335 Farnsworth Ave, Bordentown, NJ 08505 A+5.0 ★Texas Ratio: 5.94% |
Conventional, FHA | 5 | 1.8% | 71.4% | $209,000 | View |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
Conventional | 3 | 1.1% | 100% | $91,666 | View |
Peapack Private Bank & Trust
500 Hills Drive Suite 300, Bedminster, NJ 07921 |
Conventional | 2 | 0.7% | 100% | $135,000 | |
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600 HIGHWAY 36, HAZLET, NJ 07730 1797 A5.0 ★Texas Ratio: 7.09% |
Conventional | 2 | 0.7% | 100% | $60,000 | View |
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1801 Atlantic Avenue, Atlantic City, NJ 08401 A+5.0 ★Texas Ratio: 5.26% |
FHA | 2 | 0.7% | 100% | $335,000 | View |
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178 Center St, Clinton, NJ 08809 2622 A+5.0 ★Texas Ratio: 4.61% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $55,000 | View |
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1116 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $285,000 | View |
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2 Edison Pl, Springfield, NJ 07081 B+4.7 ★Texas Ratio: 18.92% |
Conventional | 1 | 0.4% | 100% | $35,000 | View |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.4% | 100% | $465,000 | View |
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★ 2 stars, 1 review 335 Farnsworth Ave, Bordentown, NJ 08505 A+5.0 ★Texas Ratio: 5.94% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Absolute Home Mortgage
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Conventional, FHA | 6 | 2.2% | 100% | $230,000 | |
Millenium Home Mortgage
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Conventional, FHA | 4 | 1.4% | 100% | $250,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 3 | 1.1% | 100% | $271,666 | |
American Financial Resources LLC
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Conventional, FHA | 2 | 0.7% | 100% | $230,000 | |
Bond Street Mortgage, LLC
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Conventional | 2 | 0.7% | 100% | $260,000 | |
NJ Lenders Corp
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FHA | 2 | 0.7% | 100% | $255,000 | |
Weichert Financial Services
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Conventional, FHA | 2 | 0.7% | 50% | $425,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional, FHA | 2 | 0.7% | 100% | $105,000 | |
EMM Loans LLC
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Conventional | 1 | 0.4% | 100% | $255,000 | |
HomeBridge Financial Services, Inc
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Conventional | 1 | 0.4% | 100% | $325,000 | |
MLB Residential Lending, LLC
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FHA | 1 | 0.4% | 100% | $345,000 | |
Greenway Mortgage Funding Corp.
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Conventional | 1 | 0.4% | 100% | $225,000 | |
Residential Home Mortgage Corporation
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Conventional | 1 | 0.4% | 100% | $415,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 27 | 9.7% | 73.7% | $197,962 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, HELOC | 12 +2 HELOCs |
4.3% | 100% | $260,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 12 | 4.3% | 57.1% | $309,166 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 8 | 2.9% | 90% | $196,250 | |
Guaranteed Rate Affinity, LLC
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Conventional, FHA, VA | 7 | 2.5% | 100% | $197,857 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 7 | 2.5% | 100% | $230,714 | |
loanDepot.com LLC
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Conventional, FHA | 7 | 2.5% | 77.8% | $209,285 | |
First Commonwealth Federal Cre
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Conventional | 7 | 2.5% | 90% | $47,857 | |
Mortgage Research Center
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VA | 7 | 2.5% | 63.6% | $292,142 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 7 | 2.5% | 100% | $215,000 | |
New American Funding, LLC.
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Conventional, FHA | 7 | 2.5% | 63.6% | $190,714 | |
Movement Mortgage, LLC
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Conventional, FHA, HELOC | 6 +1 HELOCs |
2.2% | 100% | $221,666 | |
Freedom Mortgage Corporation
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FHA | 6 | 2.2% | 85.7% | $240,000 | |
Paramount Residential Mortgage
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Conventional, FHA | 6 | 2.2% | 100% | $163,333 | |
Newrez LLC
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Conventional, FHA | 5 | 1.8% | 55.6% | $231,000 | |
Planet Home Lending, LLC
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Conventional, FHA | 5 | 1.8% | 100% | $183,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 4 | 1.4% | 57.1% | $150,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 4 | 1.4% | 100% | $262,500 | |
Allied Mortgage Group, Inc
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Conventional, FHA | 3 | 1.1% | 100% | $258,333 | |
Nationwide Mortgage Bankers, Inc.
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Conventional, FHA | 3 | 1.1% | 100% | $238,333 | |
Spring Eq, LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.7% | 66.7% | $60,000 | |
Cornerstone First Mortgage, LLC
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Conventional | 2 | 0.7% | 100% | $230,000 | |
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C3.9 ★Texas Ratio: 27.97% |
Conventional, FHA | 2 | 0.7% | 100% | $260,000 | View |
Equity Prime Mortgage LLC
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Conventional, VA | 2 | 0.7% | 100% | $255,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 2 | 0.7% | 100% | $100,000 | View |
American Financial Network, Inc.
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Conventional | 2 | 0.7% | 100% | $280,000 | |
Success Mortgage Partners, Inc
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FHA, VA | 2 | 0.7% | 100% | $280,000 | |
First Colony Mortgage Corporat
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Conventional, FHA | 2 | 0.7% | 100% | $320,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 0.7% | 100% | $285,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.7% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 2 | 0.7% | 100% | $255,000 | View |
Village Capital & Investment
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FHA, VA | 2 | 0.7% | 60% | $225,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $245,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Primelending
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Conventional | 1 | 0.4% | 100% | $285,000 | |
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A5.0 ★Texas Ratio: 11.06% |
VA | 1 | 0.4% | 100% | $335,000 | View |
Greenstate Credit Union
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Conventional | 1 | 0.4% | 100% | $275,000 | |
Affordable Mortgage Advisors
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FHA | 1 | 0.4% | 100% | $475,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.4% | 50% | $215,000 | |
Brighton Bank
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Conventional | 1 | 0.4% | 100% | $285,000 | |
Kind Lending, LLC
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FHA | 1 | 0.4% | 33.3% | $385,000 | |
United Trust Bank
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FHA | 1 | 0.4% | 100% | $345,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.4% | 14.3% | $25,000 | |
AdvantageFirst Lending Inc
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VA | 1 | 0.4% | 100% | $225,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.4% | 100% | $245,000 | |
Valon Mortgage
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Conventional | 1 | 0.4% | 100% | $115,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 16.7% | $65,000 | |
Developer's Mortgage Company
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Conventional | 1 | 0.4% | 100% | $185,000 | |
East Coast Capital Corp.
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FHA | 1 | 0.4% | 100% | $285,000 | |
Strong Home Mortgage, LLC
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VA | 1 | 0.4% | 100% | $425,000 | |
Nfm, Inc
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Conventional | 1 | 0.4% | 100% | $245,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.4% | 50% | $235,000 | View |
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A-5.0 ★Texas Ratio: 15.49% |
FHA | 1 | 0.4% | 100% | $425,000 | View |
Intelliloan, Inc.
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FHA | 1 | 0.4% | 100% | $285,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.4% | 100% | $235,000 | |
T2 Financial LLC
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Conventional | 1 | 0.4% | 50% | $275,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 5.78% |
Conventional | 1 | 0.4% | 100% | $385,000 | View |
Mission Loans, LLC
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Nations Direct Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $255,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.4% | 100% | $215,000 | |
Veritas Funding, LLC
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Conventional | 1 | 0.4% | 100% | $235,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.4% | 100% | $325,000 | View |
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A+5.0 ★Texas Ratio: 0.53% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.4% | 100% | $225,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.4% | 100% | $525,000 | View |
Angel Oak Mortgage Solutions LLC
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Conventional | 1 | 0.4% | 100% | $205,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.4% | 50% | $285,000 | |
Reliance First Capital, LLC
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FHA | 1 | 0.4% | 100% | $145,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.4% | 100% | $245,000 | View |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.4% | 50% | $245,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +4 HELOCs |
0% | n/a | ||
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Phillipsburg Mortgage Rate Trends
Daily average mortgage rates for New Jersey compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Phillipsburg, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Phillipsburg? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Phillipsburg in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Phillipsburg, NJ
Use these to narrow the list above. Each category shows how many Phillipsburg, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Phillipsburg, NJ
Independent mortgage companies closed 78.8 percent of home loans in Phillipsburg, New Jersey in 2025, banks 12.9 percent and credit unions 8.3 percent. Princeton Mortgage Corporation was the largest mortgage company, PNC Bank N.A. the largest bank and IRCO Community Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, IRCO Community Federal Credit Union led with 10 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New Jersey. Graduated seller paid realty transfer fee of roughly $2 to $6.05 per $500 (about 0.4 percent to 1.2 percent, higher on sales over $350,000), plus a seller paid mansion tax on homes over $1 million that since July 2025 runs 1 percent from $1 million to $2 million and rises in tiers to 3.5 percent above $3.5 million. No mortgage recording tax.
More New Jersey Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Phillipsburg, NJ
By home loans closed in 2025, IRCO Community Federal Credit Union was the largest mortgage lender in Phillipsburg, New Jersey with 10 loans, about 3.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
49 lenders closed FHA loans in Phillipsburg, New Jersey in 2025, led by Rocket Mortgage with 9. 11 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 29 banks and 9 credit unions closed home loans in Phillipsburg, New Jersey in 2025, alongside 69 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Phillipsburg, New Jersey during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Phillipsburg, New Jersey for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Phillipsburg. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
