# 1st Colonial Community Bank

> **Canonical URL:** https://saferate.com/lenders/1st-colonial-community-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


1st Colonial Community Bank is a independent mortgage company, headquartered in Collingswood, NJ, serving borrowers across 5 states, with 333 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930089Y8VTOF8RPD25
- **Headquarters:** Collingswood, NJ
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** FL, MD, NJ, PA, SC
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.242%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,047
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 333
- **Dollar Volume:** $110 million
- **Applications Received:** 438
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $329,745
- **Average Borrower Income:** $152,471
- **Average Property Value:** $436,652

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 261 | +0.190% | $2,004 | Sound ☺️ |
| FHA | 61/100 | 53 | +0.650% | $2,168 | Strong 😀 |
| VA | 55/100 | 10 | +0.212% | $1,958 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 237 loans, Score: 55/100 (Sound)
- Refinance: 24 loans, Score: 42/100 (Sound)

**FHA:**
- Purchase: 46 loans, Score: 61/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 300 | $96M | +0.228% | Sound ☺️ |
| Refinance | 44/100 | 33 | $14M | +0.361% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NJ | 271 | 0.32% | 81/100 |
| PA | 56 | 0.05% | 58/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Camden, NJ | NJ | 202 | 85/100 |
| Atlantic City | NJ | 30 | 62/100 |
| Montgomery County | PA | 28 | 57/100 |
| Philadelphia, PA | PA | 20 | 52/100 |
| Lakewood | NJ | 11 | 43/100 |
| Vineland, NJ | NJ | 10 | 45/100 |

## Where This Lender Ranks

1st Colonial Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Camden, NJ Mortgage Companies
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Camden, NJ for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#9** in Camden, NJ for Jumbo Loans
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in Atlantic City Mortgage Companies
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in Camden, NJ for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#11** in Camden, NJ
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders)
- 🏆 **#12** in Vineland, NJ for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/vineland-nj/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#13** in New Jersey for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#13** in Camden, NJ for FHA Loans
  - [View Full Rankings](https://saferate.com/camden-nj/best-mortgage-lenders/fha-loans)
- 🏆 **#13** in Vineland, NJ for FHA Loans
  - [View Full Rankings](https://saferate.com/vineland-nj/best-mortgage-lenders/fha-loans)
- 🏆 **#19** in New Jersey for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-jersey/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#20** in Atlantic City
  - [View Full Rankings](https://saferate.com/atlantic-city/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does 1st Colonial Community Bank offer?

1st Colonial Community Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does 1st Colonial Community Bank offer mortgages?

1st Colonial Community Bank offers mortgages in 5 states: FL, MD, NJ, PA, SC.

### How competitive are 1st Colonial Community Bank's mortgage rates?

1st Colonial Community Bank has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.242% above market average.

### What type of lender is 1st Colonial Community Bank?

1st Colonial Community Bank is a non-depository lender that specializes in mortgage origination, headquartered in Collingswood, NJ.

### What is 1st Colonial Community Bank's loan approval success rate?

1st Colonial Community Bank has a pull-through score of 68/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/1st-colonial-community-bank

### How to Cite

> "1st Colonial Community Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/1st-colonial-community-bank

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