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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Warren County, New Jersey

Fat Boy Data analyzed home improvement loan activity in Warren County, New Jersey, home to Phillipsburg, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,475 applications were decided by 98 lenders between 2023 and 2025.

Warren County at a glance

98Active lenders19 with 20+ decisions
61.4%Market approval rate906 of 1,475 decided
$95KTypical loanmedian lender, $10K brackets
93%Borrower take-up847 loans funded

How Warren County compares

Approval rate compared
Warren County61.4%New Jersey59.7%All 616 counties62.7%
Typical loan compared
Warren County$95KNew Jersey$105KAll 616 counties$75K

What the data shows

PNC Bank, National Association made the most home improvement loans in Warren County, NJ, 170 of them.

Valley National Bank approved the highest share of applications among lenders with at least 20 decisions here, 86% of 37.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 19 lenders with 20+ decisions here
0%25%50%75%100%One lender: 32% approved of 71One lender: 33% approved of 24One lender: 34% approved of 35Bank of America, National Association: 38% approved of 159Visions Federal Credit Union: 57% approved of 97One lender: 59% approved of 41One lender: 59% approved of 22One lender: 59% approved of 71TD Bank, National Association: 62% approved of 90PNC Bank, National Association: 65% approved of 279Citizens Bank, National Association: 71% approved of 78One lender: 72% approved of 25One lender: 76% approved of 51One lender: 78% approved of 36One lender: 80% approved of 41One lender: 81% approved of 27One lender: 83% approved of 29One lender: 86% approved of 37One lender: 97% approved of 33

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Home improvement loan lenders in Warren County

LenderApprovalApprovedTaken upTypical loanLoans made
1PNC Bank, National Association65%181 / 27994%$95K170
2Bank of America, National Association38%61 / 159100%$105K61
3Visions Federal Credit Union57%55 / 9795%$75K52
4TD Bank, National Association62%56 / 90100%$105K56
5Citizens Bank, National Association71%55 / 78100%$105K55

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 93 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest home improvement loan lenders in Warren County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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