Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Warren County, New Jersey
Every institution that decided a 1–4 unit mortgage application in Warren County, home to Phillipsburg, between 2023 and 2025: 8,492 applications, 6,301 loans actually funded, across 8 kinds of borrowing.
Warren County at a glance
8,492Applications decided
2023–2025
6,301Loans funded
74% of decisions
23Census tracts
11 ZIP codes
110,238People
ACS 2023
What the data shows
The typical purchase mortgage here is $325K.
Lending by loan type in Warren County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.5% | 3,887 | $325K | 96% | 294 |
| Home improvement loans | 61.4% | 1,475 | $95K | 93% | 98 |
| Cash-out refinance | 69.8% | 1,371 | $145K | 94% | 141 |
| Refinance | 74.4% | 1,091 | $205K | 95% | 150 |
| Investment property purchase | 81.2% | 382 | $225K | 94% | 108 |
| Investment cash-out refinance | 73.8% | 149 | $215K | 90% | 66 |
| Investment refinance | 79.1% | 86 | $175K | 96% | 42 |
| Investment home improvement | 49.0% | 51 | $105K | 92% | 22 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.