Applications / Mortgage Analytics / Lenders / New Jersey / Century Savings Bank
Vineland, NJ · Savings institution · FDIC · $650 million assets · 36 loans in 2025
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36
loans originated, 2025
63
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Century Savings Bank, a Vineland, New Jersey savings bank that has filed HMDA reports since 1990, now makes only a few dozen mortgages a year, and many of them are small loans to fix up homes rather than to buy them.
Its typical loan was $140,000 in 2025, against $245,000 at similar lenders (savings institutions making between half and twice as many loans). That is smaller than more than four in five of them. Home improvement accounted for 27.8% of its loans and other purposes for 13.9%; purchases made up 36.1%. A lender that does much home-improvement work will usually show smaller balances.
It made 36 loans in 2025, down 12% from 41 in 2024 and less than half the 81 it made in 2020. Similar lenders fell 5% over the year while the whole market grew 10%. It filed no report for 2021 or 2022, so the record has a gap rather than two empty years. At this size a handful of loans either way moves every figure, so the year-on-year change says little on its own.
Vineland is its largest market, where it has lent since 1990. It ranked 32 of 233 lenders there with 0.6% of the dollars, up from 0.5% in 2024. Wells Fargo Bank and Nation One Mortgage lead that market. In Atlantic City-Hammonton its share slipped to 0.1% from 0.2%, too few loans to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Century Savings Bank took 63 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.1% · Home improvement 27.8% · Refinance 22.2% · Other 13.9%
Conventional 100.0% · of 36 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 | 35 | 97.2% |
| Pennsylvania | 1 | 2.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Vineland | 19 |
| Camden | 7 |
| Atlantic City-Hammonton | 5 |
| Wilmington | 4 |
| Philadelphia | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549000BVJ73CTA1IZ30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 392778 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45322 | 1990–1995 |
| Respondent ID (the HMDA filer code before 2018) | 330428 | 1997–2017 |
Established 1 January 1865. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Century Savings Bank's data.
Century Savings Bank's data
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