Applications / Mortgage Analytics / Lenders / New Jersey / BCB Community Bank
Bayonne, NJ · State non-member bank · FDIC · $3.3 billion assets · 99 loans in 2025
BCB Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
99
loans originated, 2025
135
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BCB Community Bank makes large loans for its size, with dollar volume higher than almost all similar lenders, but its 99 loans in 2025 are about a third of its 2020 count despite a 38% rebound.
Its typical loan was $315,000 against $175,000 for the typical similar lender (a bank of the same type making between half and twice as many loans), and 10.0% of loans were jumbo (larger than the conforming limit) against 1.6%. Both are higher than about nine in ten peers, which may reflect lending in the New York metro.
Originations rose from 72 to 99, faster than about four in five peers and the whole market's 10%. The longer trend runs the other way: 453 in 2018, 300 in 2020, then a steep fall in 2023 and 2024.
Refinancing made up 30.3% of its loans, other purposes 26.3% and home improvement 22.2%, while home purchase was 21.2%. Its first-lien purchase and refinance applications were too few to give a denial rate for either.
Its 22.2% share in majority-minority tracts is higher than about three in four peers, which may reflect its metro footprint. But 15.5% of borrowers were LMI (low- and moderate-income), lower than over four in five peers; high prices relative to incomes may limit how many such buyers qualify.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BCB Community Bank took 135 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 30.3% · Other 26.3% · Home improvement 22.2% · Purchase 21.2%
Conventional 100.0% · of 99 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Jersey | 85 | 85.9% |
| New York | 12 | 12.1% |
| Connecticut | 1 | 1.0% |
| Pennsylvania | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 46 |
| Lakewood-New Brunswick | 29 |
| Newark | 12 |
| Nassau County-Suffolk County | 6 |
| Camden | 3 |
| Atlantic City-Hammonton | 1 |
| Bridgeport-Stamford-Danbury | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RUVVJLHQM71O74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2954059 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 335541 | 2002–2017 |
Established 1 November 2000. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: BCB Community Bank's data.
BCB Community Bank's data
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BCB Community Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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