Lenders › 1st Colonial Community Bank › New Jersey
1st Colonial Community Bank in New Jersey
HMDA record for properties in New Jersey, calendar year 2024. National record · New Jersey overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
1st Colonial Community Bank's 2024 HMDA record for New Jersey covers 609 applications, 471 of them originated, worth $130m.
Its denial rate in the state was 8.1%, below the New Jersey rate of 26.0% across all lenders and compared with the lender's national rate of 9.5%.
The median rate spread on its New Jersey originations was 0.3 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In New Jersey | New Jersey, all lenders | 1st Colonial Community Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 8.1% | 26.0% | 9.5% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 7.3% | 17.7% | 8.1% | 15.6% |
| Average originated loan | $275k | $387k | $279k | $329k |
| Home purchase share | 58.6% | 51.0% | 55.6% | 57.0% |
| FHA-insured share | 10.6% | 11.2% | 8.8% | 13.4% |
| VA-guaranteed share | 2.1% | 2.9% | 1.6% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateNew Jersey, all lenders
Loan purpose and loan type in New Jersey
By purpose
Home purchase 59% (276)Home improvement 18% (84)Refinancing 9% (41)Cash-out refinancing 6% (27)Other purpose 9% (43)
By type
Conventional 87% (410)FHA 11% (50)VA 2% (10)USDA 0% (1)
Denial reasons as coded
Share of 42 denials in New Jersey by first denial reason coded (outlined bar: all lenders in the state).
Counties in New Jersey
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Camden County | 213 | 168 | $42m | 7.1% |
| Burlington County | 157 | 128 | $36m | 6.5% |
| Gloucester County | 90 | 67 | $15m | 11.7% |
| Cape May County | 33 | 29 | $12m | 6.5% |
| Atlantic County | 41 | 28 | $11m | 15.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 1st Colonial Community Bank originate in New Jersey in 2024?
471 loans totalling $130m, from 609 applications reported for properties in New Jersey.
What is 1st Colonial Community Bank's denial rate in New Jersey?
8.1% of decided applications in New Jersey were denied, against 26.0% for all lenders in the state and 9.5% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which New Jersey counties does 1st Colonial Community Bank lend in most?
By originations: Camden County (168), Burlington County (128), Gloucester County (67), Cape May County (29), Atlantic County (28).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in New Jersey. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.