Stonebridge Home Loans

What Stonebridge Home Loans does

Stonebridge Home Loans is a privately held, regional mortgage broker and lender headquartered in Southampton, Pennsylvania (1148 Street Road). Founded in 2020 under NMLS #51417, the company originates purchase mortgages and refinance loans for individual homebuyers and homeowners across Pennsylvania, New Jersey, and Florida. It operates through a team of at least eight licensed loan officers led by President James Bagnell (CRMS, NMLS #129449) and Partner Derek Pagliaro, with the stated value proposition centered on responsiveness, transparent fee structures, 24-hour callback commitments, and direct access to processing staff as an alternative to large banks. Customer segments span first-time homebuyers, experienced owners seeking purchase or refinance financing, and real estate professionals who act as referral partners.

The company's product surface consists of two core offerings — Purchase Mortgages and Refinance Mortgages — supplemented by four online financial calculators (Payment/Amortization, Rent vs. Own, Early Payoff, and Prepayment Savings) designed to help borrowers self-evaluate financing scenarios. Loan origination and processing run on the ICE Mortgage Technology platform, with applications captured through the "Loan App Elite" secure online portal (siteId 1459527928, workFlowId 70968). Stonebridge generates revenue primarily through transaction-based loan origination fees and interest income on originated loans; specific pricing is not publicly disclosed and is set per-borrower following pre-qualification.

Stonebridge serves a horizontal customer base using a sales-led, direct-to-consumer GTM motion. Distribution combines the company's owned website (sbfmortgage.com), the online application portal, phone-based direct sales (215-357-7934), and a referral pipeline from local real estate professionals. The company holds broker and lender licenses in Pennsylvania, New Jersey, and Florida (FL MBR5206; PA Mortgage Lender License #45857) and is operated independently with no identified institutional investors, parent company, M&A activity, or external funding rounds. The business is founder/partner-led, with leadership concentrated in the two named principals and the loan officer team.

Name

Stonebridge Home Loans

Legal name

Stonebridge Home Loans

Website

https://sbfmortgage.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Stonebridge Home Loans is a Pennsylvania-based mortgage broker and lender operating in PA, NJ, and FL. Founded in 2020, the company originates purchase and refinance mortgages for individual homebuyers through licensed loan officers using the ICE Mortgage Technology platform.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Residential mortgage lending
• Mortgage brokerage services
• Home purchase financing
• Mortgage refinancing
• Home equity loans

Headquarters

HQ city

Southampton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mortgage Loan Origination: Stonebridge Home Loans operates as both a mortgage broker and lender, generating revenue through loan origination fees and interest income on originated loans. They offer purchase mortgages and refinance products.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Stonebridge Home Loans is a regional mortgage broker and lender that originates residential purchase mortgages and refinance loans for individual homebuyers and homeowners in Pennsylvania, New Jersey, and Florida. Loan officers deliver personalized guidance and process applications through the ICE Mortgage Technology platform, supported by an online application portal and educational financial calculators.

Product overview

Stonebridge Home Loans is a mortgage broker offering two core products: Purchase Mortgages and Refinance Mortgages. The company provides an integrated suite of online tools including four financial calculators (Payment/Amortization, Rent vs. Own, Early Payoff, and Prepayment Savings) to help borrowers evaluate financing options. Loan applications are processed through the Loan App Elite online platform. The company operates in Pennsylvania, New Jersey, and Florida with a team of licensed loan officers.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Mortgages Home purchase financing for first-time homebuyers and experienced homeowners, including pre-qualification and loan application services delivered through Stonebridge's online platform and licensed loan officers in PA, NJ, and FL.
• Refinance Mortgages Mortgage refinancing services for existing homeowners that may lower monthly payments, allow conversion to fixed-rate mortgages, or adjust loan terms. Sourced through the company's online portal and processed by licensed loan officers in PA, NJ, and FL.

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Movement Mortgage: Retail mortgage lender with branch-based loan officers in multiple states serving purchase and refinance customers. Direct overlap in distribution model and customer type with Stonebridge.
• NewRez (New Residential Mortgage): National mortgage lender and servicer offering retail and wholesale purchase and refinance products. Comparable product set and multi-state licensing model to Stonebridge.
• Guild Mortgage: Retail-focused mortgage lender with branch networks across multiple states, offering purchase and refinance products to similar consumer segments. Direct overlap in customer type and loan officer-centric distribution.
• CrossCountry Mortgage: Mid-sized retail mortgage lender with multi-state branch operations and licensed loan officers offering purchase and refinance products. Comparable operating model and target customer base to Stonebridge at a scaled level.
• Better.com: Digital-first mortgage lender competing for the same direct-to-consumer purchase and refinance borrowers as Stonebridge. Represents the disruptive end of the market that pressures traditional broker economics.
• Fairway Independent Mortgage Corporation: Retail mortgage company with branch-based loan officers offering purchase, refinance, and renovation lending. Highly comparable in go-to-market approach and customer profile to Stonebridge.

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender, offering direct-to-consumer purchase and refinance mortgages similar to Stonebridge. Both rely on digital application portals and licensed loan officers, but Rocket operates at vastly greater scale with proprietary technology.
• loanDepot: National retail mortgage lender offering purchase and refinance products through both direct-to-consumer and loan officer channels. Overlaps with Stonebridge's hybrid model of online tools plus personalized origination.
• PrimeLending: National retail mortgage lender with branch-based loan officers offering purchase and refinance products. Comparable multi-state, branch-led retail model targeting similar consumer segments.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender, indirectly comparable as Stonebridge occasionally originates through wholesale channels. Represents the wholesale side of the broker ecosystem.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/Sbfmortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stonebridge Home Loans