1st Colonial Community Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
48th10.1% deniedPricingmedian rate spread over APOR, weight 30%
62nd0.18 ptsProcesswithdrawn + incomplete share, weight 15%
33rd15.4%Closing coststotal loan costs ÷ loan amount, weight 10%
47th2.00% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 814 | 614 | 11.7% | 13.2% | 7.13% | $184M |
| 2024 | 803 | 617 | 8.1% | 9.5% | 7.38% | $172M |
| 2025 | 902 | 682 | 8.5% | 10.1% | 6.88% | $210M |
What 1st Colonial Community Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 304 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 62 investment properties.
Why 1st Colonial Community Bank denies applications
Primary reason reported for each of the 77 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at 1st Colonial Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 33 | 22 | 18.5% |
| $50k – $100k | 221 | 160 | 15.7% |
| $100k – $150k | 232 | 175 | 7.4% |
| $150k – $250k | 233 | 181 | 7.6% |
| Over $250k | 141 | 115 | 6.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 206 | 159 | 4.8% |
| 35–44 | 213 | 179 | 6.7% |
| 45–54 | 179 | 117 | 18.1% |
| 55–64 | 151 | 114 | 14.2% |
| 65–74 | 69 | 55 | 5.2% |
| Over 74 | 35 | 25 | 10.7% |
Where 1st Colonial Community Bank lends
8 states and 44 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Jersey | 713 | 538 | 8.3% | 6.88% | #93 |
| Pennsylvania | 173 | 132 | 9.3% | 7.03% | #299 |
| Florida | 7 | 5 | 14.3% | 7.25% | #1,011 |
Frequently asked questions
1st Colonial Community Bank denied 10.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 48th percentile of small mortgage lenders.
The most common reason 1st Colonial Community Bank gave in 2025 was "credit history", cited on 36.4% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans 1st Colonial Community Bank originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.18 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 53% of its applications were for home purchases, 19% for refinancing (including cash-out), and 28% for home improvement or other purposes. By loan type: 88% conventional, 9% FHA, 3% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.