Applications / Mortgage Analytics / Lenders / New Jersey / First National Bank of Elmer
Elmer, NJ · National bank · OCC · $409 million assets · 60 loans in 2025
First National Bank of Elmer's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
60
loans originated, 2025
84
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank of Elmer, a small southern New Jersey bank, lends for every purpose rather than specializing in home purchases.
Purchases made up 33.3% of its 60 loans in 2025 and refinances 30.0%. Home improvement took 20.0% and other purposes 16.7%. Every loan was conventional. That spread makes it a general community lender rather than a purchase-mortgage shop.
Jumbo loans, those larger than the conforming limit, were 13.9% of its lending, against 3.2% at similar lenders (national banks making between half and twice as many loans). That is higher than about four in five of them. The share was 9.1% in 2020, so it is no one-off, though with 60 loans a handful of big ones can move it.
It made 3% fewer loans than in 2024, while similar lenders grew by 2% and the market by 10%. In 2020 it made 108. It filed no report for 2021 or 2022; those are gaps in the record, not years without lending.
Its share of Atlantic City-Hammonton fell from 0.6% to 0.2%, and it ranked 89 of 423 lenders. With so few loans, a few large ones in 2024 or fewer in 2025 could explain the drop. In Vineland its share held at 0.2%. It has lent in both markets since 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First National Bank of Elmer took 84 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.3% · Refinance 30.0% · Home improvement 20.0% · Other 16.7%
Conventional 100.0% · of 60 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 | 60 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Camden | 23 |
| Wilmington | 19 |
| Atlantic City-Hammonton | 10 |
| Vineland | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300O3C6Y0X1FKZJ98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 609010 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 16707 | 1990–2017 |
Established 1 May 1903. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank of Elmer's data.
First National Bank of Elmer's data
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First National Bank of Elmer 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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