Personal and Residential Loans

We understand life happens fast—that’s why at Highlands State Bank our experienced loan officers are committed to getting you the money you need, when you need it.

At Highlands State Bank we’re known for our ability to make quick decisions. That’s because all our loan decisions are made locally. Because our loan officers work and live here too, they’ll understand your needs and the unique challenges facing the community.

Home Equity Loans

Use the equity you’ve built up in your home to finance all of life’s challenges: from home renovations to unexpected medical bills.

Account Highlights
  • Offered at fixed rates and terms
  • Interest may be tax deductible. Consult your tax advisor.

Home Equity Lines of Credit

Keep extra money within reach for moments when you need it most by opening a line of credit. You’ll only pay interest on money withdrawn, and your interest might even be tax deductible.

Account Highlights
  • Lines of credit start at $10,000, with a maximum of $250,000
  • Use funds by simply writing a check
  • Interest may be tax deductible. Consult your tax advisor.

Installment/Car Loans

Flexible and reliable solutions to purchase a new car or repair old damage.

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Residential Loans

Looking to purchase a new home or refinance your current mortgage? Highlands State Bank has the expertise and experience to find you the right loan, whatever your needs may be. See the wide variety of home financing options we have to offer.

Whether you’re looking to purchase a new car or a new roof, we have the loan to match, and the friendly personalized service to help make it happen. To discuss the various options available visit one of our branches or call our loan department at 973-764-3200 ext. 1111 and let us show you how we can help with all of your financing needs.

National Mortgage License Information

Highlands State Bank Company ID: 472214

Ron Akromas MLO # 221407
Frank O Barber MLO # 221255
Julie Boerner MLO # 629524
Jose Placencio MLO# 1471814
Phil Caggiano NMLS # 1004379
Louis D’Angelo MLO # 221333
Peter A D’Angelo MLO # 885309
Jennifer DeCeglie MLO # 1153544
Joseph L Ennis Jr. MLO # 61431
Roger C Gardner, MLO # 374036
Sherri J Grayson MLO # 974419
Steven P Haft MLO # 296547
Kevin J Kattine, MLO # 279444
Robert G Marcantonio, MLO # 87096

Kiyomi "Kate" Matsuda MLO # 256435
Vincent Morino MLO # 1441783
Dawn M Morris MLO # 1175868
Denis Nevin MLO # 341978
Dominic Padula NMLS # 980503
Kathy Petryk MLO # 629532
Michael L Potoczak MLO # 966993
Jose Quintero MLO # 898881
Renato Rosas MLO # 237774
Denise Spina MLO # 1566906
Daniel Sterba MLO # 577879
Thomas Watkins MLO # 221293
Mary Ziegler MLO # 771046

For billing error inquiries, please mail to:
Highlands State Bank
Attn: Loan Department
P.O. Box 160
Vernon, NJ 07462


Please fill out the form below and a representative will contact you with information about the Personal Loans we offer.