Small-Balance CRE · NJ
Small-Balance CRE lenders in New Jersey
30 lenders with an office in New Jersey hold small-balance commercial real estate loans on their books. Somerset Regal Bank, based in New Jersey, holds the largest book among those based here, at $87.9M.
- Evidence
- Lender has a small-balance commercial real estate book (banks: 40% or more of it in loans of $1M or less; credit unions: an average non-owner-occupied loan of $1M or less) and has an office in New Jersey
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Lenders with an office here
- 30
- FDIC call report,
- Based here
- 24
- FDIC call report,
- Held by those based here
- $318M
- FDIC call report,
- +1.5% from a year earlier, 15 of 24 lenders
- Median book, based here
- $9.45M
- FDIC call report,
Cite this
Source: The Lender Report, Small-Balance CRE lenders in New Jersey, https://lender.report/small-balance-cre-lenders/new-jersey/, data as of June 30, 2026.
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| Lender | Kind | Based in | Offices here | Holds | Growth, 12 months |
|---|---|---|---|---|---|
| Somerset Regal Bank | Bank | Bound Brook, NJ | 14 | $87.9M | |
| Franklin Bank | Savings | Pilesgrove, NJ | 8 | $28.1M | |
| United Roosevelt Savings Bank | Savings | Carteret, NJ | 2 | $20.0M | |
| Nova Ua Credit Union | Credit union | Clifton, NJ | 2 | $18.7M | +7.1% |
| The First National Bank of Absecon | Bank | Absecon, NJ | 4 | $16.6M | |
| Financial Resources Credit Union | Credit union | Branchburg, NJ | 10 | $14.2M | +21.7% |
| GSL Savings Bank | Savings | Guttenberg, NJ | 2 | $13.0M | |
| North Jersey Credit Union | Credit union | Totowa, NJ | 4 | $12.6M | +4.6% |
| First Atlantic Credit Union | Credit union | Eatontown, NJ | 4 | $12.4M | +8.4% |
| Lusitania Savings Bank | Savings | Newark, NJ | 4 | $12.3M | |
| United Teletech Financial Credit Union | Credit union | Tinton Falls, NJ | 6 | $11.6M | +18.0% |
| Garden Savings Credit Union | Credit union | Parsippany, NJ | 7 | $9.45M | |
| Credit Union of New Jersey, a | Credit union | Ewing, NJ | 4 | $7.45M | +17.3% |
| Edifi Credit Union | Credit union | Rancocas, NJ | 7 | $7.06M | |
| Greater Alliance Credit Union | Credit union | Paramus, NJ | 3 | $6.27M | |
| Motion Credit Union | Credit union | Linden, NJ | 5 | $5.94M | |
| Advanced Financial Credit Union | Credit union | New Providence, NJ | 4 | $5.84M | +88.2% |
| The Pennsville National Bank | Bank | Pennsville, NJ | 6 | $5.46M | |
| Monroe Savings Bank | Savings | Williamstown, NJ | 2 | $5.06M | |
| Irco Community Credit Union | Credit union | Phillipsburg, NJ | 1 | $5.03M |
See all 30 small-balance CRE lenders in New Jersey in Search
| Lender | Kind | Based in | Offices here | Holds, nationwide |
|---|---|---|---|---|
| Self Reliance Financial Credit Union | Credit union | New York, NY | 1 | $189M |
| Altra Credit Union | Credit union | Onalaska, WI | 1 | $80.0M |
| First Commonwealth Credit Union | Credit union | Lehigh Valley, PA | 1 | $76.5M |
| Selfreliance Credit Union | Credit union | Chicago, IL | 3 | $18.0M |
| Abacus Federal Savings Bank | Savings | New York, NY | 1 | $17.9M |
| Ukrainian National Credit Union | Credit union | New York, NY | 2 | $5.09M |
- 24 of these lenders are based in New Jersey, and 6 are based elsewhere with offices here. FDIC call report,
- These lenders: 3 banks, 7 savings institutions and 20 credit unions. FDIC call report,
- Lenders based in New Jersey hold $317.8M of small-balance commercial real estate loans, up 1.5% from a year earlier among the 15 of 24 with a comparable earlier filing. FDIC call report,
- The five largest books based here hold 53.9% of that total. FDIC call report,
- Somerset Regal Bank holds $87.9M, and Franklin Bank holds $28.1M. FDIC call report,
- The median book among lenders based in New Jersey is $9.5M. FDIC call report,
- 4 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report,
- These lenders list 120 offices in New Jersey. FDIC office list,
- Selfreliance Credit Union, based in Illinois, lists the most offices here among out-of-state lenders, at 3. FDIC office list,
- Among credit unions here, the median average loan in this category is $593K. NCUA 5300,
- Financial Resources Credit Union grew this book the most in the year, up 21.7% to $14.2M. FDIC call report,
How this list is defined
- Measure
- small-balance commercial real estate loans held by lenders with an office in New Jersey
- Period
- June 30, 2026
- Formula
- The balance of small-balance commercial real estate loans on the lender's June 30, 2026 filing, for a lender with an office in New Jersey. A balance held, not loans made.
- Order
- Largest first by the book held at the latest filing, then name. Payment is not part of the order.
- As of
- June 30, 2026
- Source
- FDIC call report
- Changelog
- : First published, with the data built on this date.
For banks the book shown is nonfarm nonresidential loans of $1M or less. For credit unions it is the non-owner-occupied commercial real estate book, where the average loan is $1M or less.
Small-balance commercial real estate means loans of about $1M or less. A lender with many of them often works with smaller borrowers.
This is a rule of thumb on public filings. It is not a statement from any lender about what it will lend on.
Growth appears only where a book grew over the 12 months. Each lender's own page has its full record.
A lender counts here if it has a small-balance commercial real estate book (banks: 40% or more of it in loans of $1M or less; credit unions: an average non-owner-occupied loan of $1M or less) and has an office in New Jersey. Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.