A manufactured-home specialist
At similar lenders (savings institutions making between half and twice as many loans) the typical manufactured-home share was 0.0%. At Monroe it was almost two in three loans. Purchases made up 66.7% of its lending.
Applications / Mortgage Analytics / Lenders / New Jersey / Monroe Savings Bank
Monroe Savings Bank
Williamstown, NJ · Savings institution · FDIC · $114 million assets · 45 loans in 2025
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45
loans originated, 2025
89
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Monroe Savings Bank is a manufactured-home lender: 64.4% of its loans in 2025 financed manufactured homes, the highest share among similar savings institutions.
Small loans
Its typical loan was $125,000, half the $245,000 of similar savings institutions and among the lowest tenth of them. Its total lending, $8.9 million, was well below their $20.2 million. Its manufactured-home lending may account for much of that gap.
Fewer loans
It made 45 loans, down 18% from 55, while similar lenders fell 1%; its fall was steeper than about three in four of theirs. It made 87 in 2023. It filed no report for 2020 to 2022, gaps in the record rather than years without lending. For a lender this small, a handful of loans either way makes a large swing.
Beyond New Jersey
It lent in 3 states. It has lent in Philadelphia-Camden-Wilmington since at least 1990, ranking 386 of 784 lenders there, and first lent in Charleston-North Charleston in 2025.
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
45 loans in 2025, against a peak of 87 in 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Monroe Savings Bank took 89 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
66.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 66.7% · Refinance 15.6% · Other 13.3% · Home improvement 4.4%
Conventional 100.0% · of 45 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
3 states, 6 metros, 8 counties
| State | Loans | Share |
|---|---|---|
| New Jersey | 43 | 95.6% |
| Pennsylvania | 1 | 2.2% |
| South Carolina | 1 | 2.2% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Camden | 32 |
| Atlantic City-Hammonton | 5 |
| Lakewood-New Brunswick | 3 |
| Vineland | 3 |
| Charleston-North Charleston | 1 |
| Philadelphia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900AHWPNJK6FS8K98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 927077 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44752 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1704752 | 2011–2013 |
| Respondent ID (the HMDA filer code before 2018) | 330103 | 2014–2017 |
Established 1 January 1870. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Monroe Savings Bank's data.
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