Applications / Mortgage Analytics / Lenders / New Jersey / Crest Savings Bank
Wildwood, NJ · Savings institution · FDIC · $589 million assets · 70 loans in 2025
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70
loans originated, 2025
94
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Crest Savings Bank is a New Jersey savings bank that lends in one market, Atlantic City-Hammonton, and its loans fell 30% in 2025, to 70.
It made 70 loans, against 100 in 2024 and 176 in 2023, while similar lenders (savings institutions making between half and twice as many loans) grew 3%. Home purchases made up 68.6% of the loans it made, so fewer purchases in Atlantic City-Hammonton may explain the fall, or a choice to lend less; the data do not show which.
It bought 25 loans in 2025, where the typical similar lender bought none, more than at nearly all of them. That was down from 38 in 2024.
In Atlantic City-Hammonton, where it has lent since 1992, it ranks 35 of 423, and its share fell from 1.1% to 0.6%. Citizens Bank and TD Bank lead the market. The fall may follow from its own lower volume rather than from new rivals.
Its typical loan rose to $320,000, against $245,000 at peers. Low- and moderate-income (LMI) borrowers took 13.6% of its loans, against 25.7%, lower than at more than four in five. Larger loans may point to borrowers with higher incomes, and lending in only 2 counties may limit the neighborhoods it reaches. None of its loans was in a majority-minority neighborhood.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Crest Savings Bank took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.6% · Other 12.9% · Refinance 10.0% · Home improvement 8.6%
Conventional 100.0% · of 70 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 | 70 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlantic City-Hammonton | 70 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WI4N6NVVJ1DV85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 172475 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42422 | 1992–2010 |
| Respondent ID (the HMDA filer code before 2018) | 328818 | 2011–2017 |
Established 1 January 1919. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Crest Savings Bank's data.
Crest Savings Bank's data
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Crest Savings 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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