The Mortgage Record
Lender report card · New Jersey

Huntingdon Valley Bank

Doylestown, PA · What the federal mortgage record shows about how Huntingdon Valley Bank treated New Jersey applicants, 2018–2025 — 898 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
94.9%
852 approved
Denial rate
5.1%
46 denied
Decisions
898
2018–2025
Avg. rate spread
+0.40 pp
vs. market benchmark
94.9% approved
5.1% denied

Share of 898 New Jersey applications Huntingdon Valley Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional95.9% of 699 · NJ 87%FHA91.0% of 178 · NJ 79%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

89%91%93%95%97%99%98%98%95%94%96%93%201820192020202120222023

Pricing

Adjusting for its loan-type mix, Huntingdon Valley Bank’s rates ran +0.05 pp higher than the typical New Jersey lender (average rate spread +0.40 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Huntingdon Valley Bank approves

By income
Under $50k89.5% · 76$50–75k92.2% · 180$75–100k95.4% · 173$100–150k95.9% · 196$150–250k98.2% · 163$250k+94.8% · 97
By debt-to-income
Under 36%96.4% · 33336–43%97.3% · 25543–50%93.7% · 271Over 50%74.4% · 39
By down payment (LTV)
20%+ down97.2% · 45710–20% down94.0% · 1005–10% down94.5% · 733–5% down87.8% · 74Under 3% down90.8% · 142

Why Huntingdon Valley Bank denied applications

Collateral (value/type)39% of denialsDebt-to-income ratio24% of denialsEmployment history20% of denialsUnverifiable information17% of denialsOther13% of denialsCredit history7% of denials

Where Huntingdon Valley Bank lends in NJ

CountyDecisionsApproval
Gloucester County21594.0%
Cape May County17297.7%
Camden County16694.0%
Burlington County11996.6%
Atlantic County6596.9%
Mercer County3093.3%

Fees & closing costs

Median total loan costs
$4,885
home purchase
As % of loan
2.05%
NJ median 1.93%
Priced originations
593
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Huntingdon Valley Bank’s home-purchase originations — 0.12 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $120. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Huntingdon Valley Bank (LEI 549300G36820CW642I52). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →