Applications / Mortgage Analytics / Lenders / New Jersey / The Bank of Princeton
Princeton, NJ · State non-member bank · FDIC · $2.3 billion assets · 24 loans in 2025
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24
loans originated, 2025
30
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank of Princeton, a New Jersey bank, bought far more home loans than it made in 2025: 142 purchased against 24 originated.
It bought 142 loans from other lenders in 2025, after buying none in 2024. Similar lenders (state non-member banks making between half and twice as many loans) typically bought none, so it bought more than almost all of them. Its own originations are a small part of its home-loan business.
Its 24 originations came to $49.1 million, more than at nine in ten similar lenders, though its typical loan was only $240,000. A handful of very large loans may account for most of the total. In 2024 the total was $96.5 million on 39 loans.
Its loans fell 38% in 2025, against a fall of 7% at similar lenders and a rise of 10% for the whole market. With 24 loans, its shares of lending to poorer borrowers and neighborhoods are too small to read much into. It filed no report for 2020 or 2021; those years are gaps in the record, not years without lending.
Its share of Trenton-Princeton, its home market, fell from 0.4% to 0.1%, in line with its smaller output. It has lent there since 2008. Filings of the banks it merged with, Noah Bank in 2023 and Cornerstone Bank in 2024, count as its own in the market figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Bank of Princeton took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 33.3% · Purchase 33.3% · Other 16.7% · Refinance 16.7%
Conventional 100.0% · of 24 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 | 22 | 91.7% |
| New York | 1 | 4.2% |
| Texas | 1 | 4.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Camden | 11 |
| New York-Jersey City-White Plains | 4 |
| Newark | 3 |
| Lakewood-New Brunswick | 2 |
| Trenton-Princeton | 2 |
| Atlantic City-Hammonton | 1 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EMC7T53UNNNA58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3595271 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358513 | 2008–2017 |
Established 23 April 2007. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: The Bank of Princeton's data.
The Bank of Princeton's data
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