1st Colonial Community Bank in New Jersey vs the state
8.3%Denial rate-9.42 pts vs state
9.8%Decision denial rate-13.23 pts vs state
75.5%Origination rate+19.78 pts vs state
6.88%Median rate+0.13 pts vs state
0.21Rate spread (pts)-0.07 pts vs state
$130kMedian applicant income
538Loans originated
59Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 622 | 474 | 11.3% | 7.13% | #82 |
| 2024 | 609 | 471 | 6.9% | 7.13% | #93 |
| 2025 | 713 | 538 | 8.3% | 6.88% | #93 |
What 1st Colonial Community Bank lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most 1st Colonial Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 266 | 199 | 29 | 10.9% |
| Burlington County | 200 | 148 | 12 | 6.0% |
| Gloucester County | 104 | 86 | 4 | 3.8% |
| Cape May County | 34 | 27 | 1 | 2.9% |
| Atlantic County | 34 | 22 | 6 | 17.6% |
| Ocean County | 20 | 17 | 0 | 0.0% |
| Middlesex County | 9 | 6 | 2 | 22.2% |
| Cumberland County | 8 | 7 | 0 | 0.0% |
| Mercer County | 8 | 6 | 1 | 12.5% |
| Salem County | 8 | 5 | 1 | 12.5% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 713 applications in 2025, of which 538 were originated and 59 denied.
8.3% of all applications, or 9.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans 1st Colonial Community Bank originated in New Jersey in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are 1st Colonial Community Bank's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology