Applications / Mortgage Analytics / Lenders / New Jersey / The Pennsville National Bank
Pennsville, NJ · National bank · OCC · $288 million assets · 102 loans in 2025
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102
loans originated, 2025
125
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Pennsville National Bank, a southern New Jersey lender, made 102 home loans in 2025, 36% more than in 2024 and the most in any year it has reported since 2018.
Its loans rose 36%, against 7% for similar lenders (national banks making between half and twice as many loans) and 10% for the whole market. That growth was higher than at about four in five peers. Refinancing was its biggest line, at 40.2% of loans, ahead of purchases at 31.4%. It filed no report for 2020 to 2022; those are gaps in the record, not years without lending.
It made 35.8% of its loans to low- and moderate-income (LMI) borrowers, against 23.0% at similar lenders, more than about four in five of them. Yet only 6.9% went to LMI neighborhoods, against 15.2% at peers. Its lending covers 8 counties, and those may contain few such neighborhoods; the bank's modest-income borrowers may live in middle-income areas.
It has lent in Vineland, Atlantic City-Hammonton and Philadelphia-Camden-Wilmington since at least 1990. In Vineland it ranked 99 of 233 lenders, and in Atlantic City-Hammonton 169 of 423. Home improvement made up 18.6% of its loans, and its typical loan, $170,000, matched the peer figure of $175,000 closely.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Pennsville National Bank took 125 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 40.2% · Purchase 31.4% · Home improvement 18.6% · Other 9.8%
Conventional 100.0% · of 102 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 | 100 | 98.0% |
| Delaware | 1 | 1.0% |
| Pennsylvania | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Wilmington | 84 |
| Vineland | 7 |
| Camden | 6 |
| Atlantic City-Hammonton | 4 |
| Philadelphia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TW0BIDE6JENM80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 828110 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115733 | 1990–2017 |
Established 23 June 1969. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Pennsville National Bank's data.
The Pennsville National Bank's data
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The Pennsville National 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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