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Community Profile: Vineland-Millville-Bridgeton, NJ Metropolitan Statistical Area (MSA)

Introduction

The Vineland-Millville-Bridgeton, NJ MSA consists of Cumberland County and includes the three principal cities of Vineland, Millville, and Bridgeton.* While the city of Vineland is the most populated of the three cities, the county seat is located in Bridgeton, the least populated of the three.

The MSA is located in southern New Jersey and borders the counties of Gloucester, Atlantic, Cape May, and Salem. The Delaware Bay is the MSA’s southern border.

To view the other sections of this report, click on the links below or the links that appear on the navigation bar on the right-hand side of the page.

Maps

The maps provided below illustrate the location of the Vineland-Millville-Bridgeton, NJ MSA. In addition, there are maps that indicate income levels by census tract and areas of concentrated poverty.

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Federal Reserve Bank of Philadelphia
Community Development Studies and Education Department
Ten Independence Mall
Philadelphia, PA 19106-1574

(215) 574-6458 – phone
(215) 574-2512 – fax
info.communitydevelopment
@phil.frb.org

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Community Profile: Vineland-Millville-Bridgeton, NJ Metropolitan Statistical Area (MSA)

Historical Information

Cumberland County separated from Salem County in January 1748. In December of that year, Cohansey Bridge (now Bridgeton) was chosen as the seat of county government. A year after the Boston Tea Party (1773), the town of Greenwich (which was then the principal settlement of Cumberland County) expressed its view of the British government by burning a cargo of tea en route to Philadelphia.

Each of the region's three cities has a distinctive character and history. Millville has long been known as a center of glass production. James Lee established a glassmaking business in Millville in 1806, and it continues to be the home of the Wheaton glassworks and Wheaton Village. Bridgeton, founded in 1686, is the county seat, while Vineland, laid out as a planned community in the 1860s, continues to be a commercial center for the surrounding agricultural region. The building of dams and canals on the Maurice River in the second decade of the 19th century and the eventual creation of Union Lake in 1869, which supplied water to local iron and cotton factories, accelerated the area’s manufacturing growth, which included the acquisition of food-processing factories. Today, manufacturing, along with agriculture, remains important to the MSA’s economy.

Historical data for the Vineland-Millville-Bridgeton, NJ MSA can be found at the following websites:

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Federal Reserve Bank of Philadelphia
Community Development Studies and Education Department
Ten Independence Mall
Philadelphia, PA 19106-1574

(215) 574-6458 – phone
(215) 574-2512 – fax
info.communitydevelopment
@phil.frb.org

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Community Profile: Vineland-Millville-Bridgeton, NJ Metropolitan Statistical Area (MSA)

Demographics and Economic Data

Included in this section is a brief summary of demographic and economic data. Detailed data can be accessed through the following websites:

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Federal Reserve Bank of Philadelphia
Community Development Studies and Education Department
Ten Independence Mall
Philadelphia, PA 19106-1574

(215) 574-6458 – phone
(215) 574-2512 – fax
info.communitydevelopment
@phil.frb.org

View All Contacts

Community Profile: Vineland-Millville-Bridgeton, NJ Metropolitan Statistical Area (MSA)

Demographics and Economic Data

Tables

Figures

Return to the Demographics page for the Vineland-Millville-Bridgeton MSA.

Table 1: Racial Composition of the State of New Jersey, Vineland-Millville-Bridgeton MSA, and City of Vineland

 
State of New Jersey
Vineland-Millville-Bridgeton MSA
City of Vineland 
Total Population
8,414,350
146,438
56,271
White alone
72.5%
65.8%
67.6%
Black or African American alone
13.4%
20.2%
13.0%
American Indian and Alaska Native alone
0.2%
0.9%
0.6%
Asian alone
5.7%
0.8%
1.0%
Native Hawaiian and Other Pacific Islander alone
0.0%
0.0%
0.0%
Some other race alone
5.4%
9.2%
14.1%
Two or more races
2.7%
3.0%
3.6%
Total Percentage
100%
100%
100%
Percent Hispanic or Latino in Origin of Total Population
13.3%
18.9%
30.0%

Source: U.S. Census Bureau, “2000 Census – Summary File 3,” http://factfinder.census.gov/home/saff/main.html?_lang=en External Link

Table 2: Distribution of Households by Income of Census Tract Within the Vineland-Millville-Bridgeton, NJ MSA 

 
Total Households
Low-Income Households
(<50%)
Moderate-Income Households
(50-79%)
Middle-Income Households
(80-119%)
Upper-Income Households
(≥120%)
Tract Income
#
%
#
%
#
%
#
%
#
%
Low
1,330
2.7
684
5.7
309
3.9
149
1.6
188
0.9
Moderate
8,252
16.8
2,882
24.3
1,677
21.2
1,543
16.8
2,150
10.7
Middle
27,004
55.0
6,295
53.0
4,326
54.8
5,336
58.2
11,047
54.8
Upper
12,510
25.5
2,015
17.0
1,583
20.1
2,149
23.4
6,763
33.6
Total
49,096
100.0
11,876
100.0
7,895
100.0
9,177
100.0
20,148
100.0
Percentage of Households in Tracts of Any Income      
24.2
 
16.1
 
18.7
 
41.0

Source: Federal Financial Institutions Examination Council (FFIEC), http://www.ffiec.govExternal Link

Figure 1: Racial Composition of the Vineland-Millville-Bridgeton, NJ MSA

Racial Composition of the Vineland-Millville-Bridgeton, NJ MSA

Source: U.S. Census Bureau, “2000 Census – Summary File 3,” http://factfinder.census.gov/home/saff/main.html?_lang=en External Link

Figure 2: Racial Composition of Those Who Reported They Were Hispanic or Latino in Origin Within the Vineland-Millville-Bridgeton, NJ MSA

Racial Composition of Those Who Reported They Were Hispanic or Latino in Origin Within the Vineland-Millville-Bridgeton, NJ MSA

Source: U.S. Census Bureau, “2000 Census – Summary File 3,” http://factfinder.census.gov/home/saff/main.html?_lang=en External Link

Figure 3: Vacant Housing

Vacant Housing

* Less than 0.4 percent of the vacant housing in the state of New Jersey and in the city of Vineland is attributable to migrant workers. In the Vineland-Millville-Bridgeton MSA, 0.9 percent of the vacant housing is attributable to migrant workers.

Source: U.S. Census Bureau, “2000 Census – Summary File 3,” http://factfinder.census.gov/home/saff/main.html?_lang=en External Link

Figure 4: Highest Education Level by Percent of Population

Highest Education Level by Percent of Population

Source: U.S. Census Bureau, “2000 Census – Summary File 3,” http://factfinder.census.gov/home/saff/main.html?_lang=en External Link

Community Profile: Vineland-Millville-Bridgeton, NJ Metropolitan Statistical Area (MSA)

Financial Institutions and Market Share Data

The Community Reinvestment Act (CRA), enacted by Congress in 1977, is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including the needs of low- and moderate-income people.

The term low and moderate income (LMI) is defined by the Federal Reserve Board in Regulation BB, Community Reinvestment, and includes people and communities whose income is less than 80 percent of the area median income. According to the regulation, low income means an individual income that is less than 50 percent of the area median income, or a median family income that is less than 50 percent, in the case of a geography. Moderate income means an individual income that is at least 50 percent and less than 80 percent of the area median income, or a median family income that is at least 50 and less than 80 percent, in the case of a geography.*

Market Share Data and Reports on Lending Institutions

A market share summary report is available through the Summary of Deposits External Link section of the FDIC's website. This report allows the user to determine the deposit market share for each financial institution within any user-defined geographic area. The deposits are based on the branch/office deposits for all FDIC-insured institutions as reported on the annual Summary of Deposit survey for FDIC-insured institutions as of June 30. To obtain a market share report for a specific area, click on the link above. Within the site, select the geographic area and the market share report.

Users can access reports for specific institutions through the FDIC Institution Directory (ID) External Link on the FDIC's website. This directory provides the latest comprehensive financial and demographic data for every FDIC-insured institution, including the most recent quarterly financial statements, with performance and condition ratios. To access a report for an institution, click on the link above. Within the site, select “find institutions” and enter the name or FDIC certificate number for an institution.

Users can also access reports on specific institutions through the National Information Center (NIC) External Link on the Federal Financial Institutions Examination Council's (FFIEC) website. NIC is a central repository of data about banks and other institutions in which the Federal Reserve has a supervisory, regulatory, or research interest, including both domestic and foreign banking organizations operating in the United States. Within the website, select the “Institution SearchExternal Link to obtain information for both current and noncurrent institutions by name and location and select the “FBO SearchExternal Link to obtain information for U.S. branches and agencies of foreign banking organizations (FBOs).

Home Mortgage Disclosure Act (HMDA)

An important source of information about financial institutions' lending patterns in a community is the Home Mortgage Disclosure Act (HMDA) statement. This report is submitted annually to the Federal Financial Institutions Examination Council (FFIEC) and is available to the public for each reporting institution. The types of loans that must be reported are home-purchase loans, for both owner-occupants and nonoccupants; refinancings; home-improvement loans; and loans for improvement and/or purchase of multifamily structures (five or more units). Depository institutions that had at least $36 million in assets on December 31, 2006, in the home or branch office in an MSA must file this report.

Additional information regarding HMDA-reported loan statements is available through the FFIEC's website. External Link Through this website, you can access aggregate HMDA reports at the MSA or national level. You can also obtain a disclosure report for a specific institution.

The following information was developed from aggregated HMDA statements. The tables include all HMDA-reported loans (home purchase, home improvement, refinancing, and multi-family).

Please note that some of the lending institutions listed in the HMDA tables are not depository institutions insured by the FDIC and summary reports for these institutions are not available on the FDIC or NIC websites. More information about these lending institutions can be obtained using a search engine such as Yahoo or Google.

Small-Business and Small-Farm Lending

Starting in 1996, the nation's financial institutions began reporting small-business and small-farm loans as part of their CRA disclosure statements required under the revised CRA regulations. While the information does not have the level of detail of the HMDA statements, it is an important source for understanding commercial lending activity in a community. The types of loans reported include all originations and purchases of commercial loans, lines of credit, and mortgages on nonresidential properties equal to or less than $1 million in size. The loans are reported by size, by geographic location, and for borrowers with annual revenues of $1 million or less. These categories of loans include those with guarantees, such as those provided by the SBA or USDA. Small-farm loans are reported in the same way.

Additional information regarding CRA disclosure statements is available through the Federal Financial Institutions Examination Council's (FFIEC) website. External Link Through this website, you can access aggregate CRA reports at the county, MSA, or national level. You can also obtain a disclosure report for a specific institution and review its CRA rating.

The following information was developed from aggregated CRA disclosure statements. The tables show the reporters’ market share by the number of loans and total dollars originated. They include only originated loans under $1 million, since loan applications and loans greater than $1 million are not reported.

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Contact Us

Federal Reserve Bank of Philadelphia
Community Development Studies and Education Department
Ten Independence Mall
Philadelphia, PA 19106-1574

(215) 574-6458 – phone
(215) 574-2512 – fax
info.communitydevelopment
@phil.frb.org

View All Contacts

Community Profile: Vineland-Millville-Bridgeton, NJ Metropolitan Statistical Area (MSA)

Tables for Financial Institutions and Market Share Data

Home Mortgage Lending

Small-Business and Small-Farm Lending

Return to the Financial Institutions and Market Share Data page for the Vineland-Millville-Bridgeton, NJ MSA.

Home Mortgage Lending

Table 1: Top 25 Reporters in the Vineland-Millville-Bridgeton, NJ MSA in 2005 – All Home Mortgage Originations in MSA

Institution Name
Number of Loans
Market Share %
Total Dollar Amount ($000's)
Market Share %
Average Loan Size ($000's)
GATEWAY FUNDING DIV MTG SVCS
441
6.9
55,325
7.5
125
COUNTRYWIDE HOME LOANS
291
4.5
36,184
4.9
124
COLONIAL BANK, F.S.B.
276
4.3
29,318
4.0
106
NATIONAL CITY BANK OF INDIANA
194
3.0
25,335
3.4
131
BANK OF AMERICA, N.A.
191
3.0
16,052
2.2
84
AMERIQUEST MORTGAGE COMPANY
188
2.9
23,006
3.1
122
COMMERCE BANK, N.A.
142
2.2
11,767
1.6
83
MINOTOLA NATIONAL BANK
140
2.2
12,955
1.8
93
WELLS FARGO BANK, N.A.
138
2.2
16,340
2.2
118
BENEFICIAL HOMEOWNERS SERVICE
135
2.1
8,090
1.1
60
MILLVILLE SAVINGS & LOAN
132
2.1
12,072
1.6
91
SUN NATIONAL BANK
130
2.0
10,218
1.4
79
WASHINGTON MUTUAL BANK
125
2.0
17,140
2.3
137
FREMONT INVESTMENT & LOAN
120
1.9
13,651
1.9
114
OPTION ONE MORTGAGE CORP.
116
1.8
14,706
2.0
127
AURORA FINANCIAL GROUP INC.
116
1.8
14,401
2.0
124
NEW CENTURY MORTGAGE CORPORATION
116
1.8
13,161
1.8
113
NEWFIELD NATIONAL BANK
111
1.7
6,560
0.9
59
CENTURY SAVINGS BANK
103
1.6
7,623
1.0
74
KEYBANK NATIONAL ASSOCIATION
97
1.5
5,906
0.8
61
PNC BANK, N.A.
84
1.3
5,184
0.7
62
PHH MORTGAGE CORPORATION
83
1.3
10,246
1.4
123
GMAC MORTGAGE CORPORATION
81
1.3
10,003
1.4
123
JPMORGAN CHASE BANK
76
1.2
9,218
1.3
121
GMAC BANK
72
1.1
8,420
1.1
117
Total of Top 25 Lenders
3,698
57.7
392,881
53.4
106
All Lenders (288)
6,411
100.0
736,701
100.0
115

Source: CRA Wiz, copyright held by PCi Services, Inc., 800-261-3111

Table 2: Top 25 Reporters in the Vineland-Millville-Bridgeton, NJ MSA in 2005 – All Home Mortgage Originations to LMI Borrowers in MSA

Institution Name
Number of Loans
Market Share %
Total Dollar Amount ($000's)
Market Share %
Average Loan Size ($000's)
GATEWAY FUNDING DIV MTG SVCS
122
8.0
12,457
9.6
102
COLONIAL BANK, F.S.B.
61
4.0
3,471
2.7
57
COUNTRYWIDE HOME LOANS
58
3.8
5,212
4.0
90
AMERIQUEST MORTGAGE COMPANY
53
3.5
5,136
3.9
97
BANK OF AMERICA, N.A.
43
2.8
2,734
2.1
64
NATIONAL CITY BANK OF INDIANA
42
2.8
3,968
3.0
94
OPTION ONE MORTGAGE CORP.
36
2.4
3,490
2.7
97
COMMERCE BANK, N.A.
36
2.4
2,493
1.9
69
WELLS FARGO BANK, N.A.
35
2.3
3,634
2.8
104
FREMONT INVESTMENT & LOAN
35
2.3
3,277
2.5
94
BENEFICIAL HOMEOWNERS SERVICE
35
2.3
1,910
1.5
55
MINOTOLA NATIONAL BANK
34
2.2
2,419
1.9
71
SUN NATIONAL BANK
30
2.0
1,859
1.4
62
PNC BANK, N.A.
29
1.9
1,255
1.0
43
AURORA FINANCIAL GROUP INC.
27
1.8
2,476
1.9
92
ARGENT MORTGAGE COMPANY L.L.C.
26
1.7
2,500
1.9
96
MILLVILLE SAVINGS & LOAN
26
1.7
1,039
0.8
40
GMAC BANK
24
1.6
2,506
1.9
104
ATLANTIC COAST MORTGAGE
22
1.4
2,452
1.9
111
PHH MORTGAGE CORPORATION
22
1.4
1,985
1.5
90
KEYBANK NATIONAL ASSOCIATION
22
1.4
1,336
1.0
61
NEW CENTURY MORTGAGE CORPORATION
21
1.4
1,928
1.5
92
HUDSON UNITED BANK
21
1.4
1,000
0.8
48
NEWFIELD NATIONAL BANK
21
1.4
357
0.3
17
DECISION ONE MORTGAGE
20
1.3
2,280
1.8
114
Total of Top 25 Lenders
901
59.2
73,174
56.3
81
All Lenders (171)
1,524
100.0
130,463
100.0
86

Source: CRA Wiz, copyright held by PCi Services, Inc., 800-261-3111

Table 3: Top 25 Reporters in the Vineland-Millville-Bridgeton, NJ MSA in 2005 – All Home Mortgage Originations in LMI Census Tracts in MSA

Institution Name
Number of Loans
Market Share %
Total Dollar Amount ($000's)
Market Share %
Average Loan Size ($000's)
GATEWAY FUNDING DIV MTG SVCS
76
8.0
6,901
7.6
91
NATIONAL CITY BANK OF INDIANA
45
4.8
5,086
5.6
113
COUNTRYWIDE HOME LOANS
41
4.3
3,751
4.1
91
AMERIQUEST MORTGAGE COMPANY
28
3.0
2,597
2.8
93
NEW CENTURY MORTGAGE CORPORATION
25
2.6
2,544
2.8
102
COLONIAL BANK, F.S.B.
23
2.4
1,209
1.3
53
WELLS FARGO BANK, N.A.
22
2.3
2,042
2.2
93
BANK OF AMERICA, N.A.
22
2.3
1,680
1.8
76
MILLVILLE SAVINGS & LOAN
21
2.2
1,614
1.8
77
OPTION ONE MORTGAGE CORP.
19
2.0
2,097
2.3
110
EQUIFIRST CORPORATION
19
2.0
2,021
2.2
106
AURORA FINANCIAL GROUP INC.
19
2.0
1,845
2.0
97
SUN NATIONAL BANK
18
1.9
1,544
1.7
86
BENEFICIAL HOMEOWNERS SERVICE
18
1.9
1,096
1.2
61
COMMERCE BANK, N.A.
17
1.8
1,454
1.6
86
PNC BANK, N.A.
17
1.8
906
1.0
53
JPMORGAN CHASE BANK
16
1.7
1,712
1.9
107
EQUITY ONE, INC.
16
1.7
1,615
1.8
101
WASHINGTON MUTUAL BANK
15
1.6
4,376
4.8
292
MINOTOLA NATIONAL BANK
14
1.5
1,581
1.7
113
FREMONT INVESTMENT & LOAN
14
1.5
1,169
1.3
84
K. HOVNANIAN AMERICAN MORTGAGE
13
1.4
2,786
3.1
214
ARGENT MORTGAGE COMPANY L.L.C.
13
1.4
1,147
1.3
88
ATLANTIC COAST MORTGAGE
11
1.2
1,283
1.4
117
LONG BEACH MORTGAGE CO.
10
1.1
1,172
1.3
117
Total of Top 25 Lenders
552
58.4
55,228
60.6
100
All Lenders (142)
946
100.0
91,341
100.0
97

Source: CRA Wiz, copyright held by PCi Services, Inc., 800-261-3111

Small-Business and Small-Farm Lending

Table 4: Top 10 Reporters in the Vineland-Millville-Bridgeton, NJ MSA in 2005 – All Small-Business Originations in MSA

Institution Name
Number of Loans
Market Share %
Total Dollar Amount ($000's)
Market Share %
Average Loan Size ($000's)
CITIBANK USA, N.A.
548
20.4
2,315
3.4
4
CAPITAL ONE, F.S.B.
417
15.5
2,098
3.1
5
MBNA AMERICA (DELAWARE), N.A.
402
15.0
3,187
4.7
8
CHASE BANK USA, N.A.
301
11.2
2,436
3.6
8
GE CAPITAL FINANCIAL INC.
187
7.0
701
1.0
4
BANK OF AMERICA, N.A.-USA.
174
6.5
1,794
2.7
10
ADVANTA BANK CORP.
149
5.6
1,571
2.3
11
SUN NATIONAL BANK
97
3.6
14,421
21.4
149
WELLS FARGO BANK, N.A.
91
3.4
2,604
3.9
29
PNC BANK N.A.
57
2.1
6,876
10.2
121
Total of Top 10 Lenders
2,423
90.3
38,003
56.3
16
All Lenders (45)
2,683
100.0
67,352
100.0
25

Source: CRA Wiz, copyright held by PCi Services, Inc., 800-261-3111

Table 5: All Small-Farm Originations in the Vineland-Millville-Bridgeton, NJ MSA in 2005

Institution Name
Number of Loans
Market Share %
Total Dollar Amount ($000's)
Market Share %
Average Loan Size ($000's)
CAPITAL ONE, F.S.B.
27
67.5
174
17.0
6
CHASE BANK USA, N.A.
5
12.5
33
3.2
7
BANK OF AMERICA, N.A.-USA.
4
10.0
29
2.9
7
HUDSON UNITED BANK
2
5.0
775
75.9
388
WELLS FARGO BANK, N.A.
2
5.0
10
1.0
5
All Lenders (5)
40
100.0
1,021
100.0
26

Source: CRA Wiz, copyright held by PCi Services, Inc., 800-261-3111

Table 6: Top 10 Reporters in the Vineland-Millville-Bridgeton, NJ MSA in 2005 – All Originations to Small Businesses in MSA with Annual Gross Revenues Less Than or Equal to $1 Million

Institution Name
Number of Loans
Market Share %
Total Dollar Amount ($000's)
Market Share %
Average Loan Size ($000's)
MBNA AMERICA (DELAWARE), N.A.
242
21.1
1,698
5.7
7
CITIBANK USA, N.A.
185
16.1
1,022
3.4
6
CAPITAL ONE, F.S.B.
177
15.5
967
3.2
5
ADVANTA BANK CORP.
149
13.0
1,571
5.3
11
BANK OF AMERICA, N.A.-USA.
73
6.4
965
3.2
13
WELLS FARGO BANK, N.A.
70
6.1
1,893
6.4
27
GE CAPITAL FINANCIAL INC.
51
4.5
219
0.7
4
PNC BANK, N.A.
34
3.0
2,118
7.1
62
SUN NATIONAL BANK
30
2.6
3,898
13.1
130
HUDSON UNITED BANK
25
2.2
1,454
4.9
58
Total of Top 10 Lenders
1,036
90.5
15,805
53.0
15
All Lenders (45)
1,146
100.0
29,820
100.0
26

Source: CRA Wiz, copyright held by PCi Services, Inc., 800-261-3111

Table 7: All Originations to Small Farms in the Vineland-Millville-Bridgeton, NJ MSA in 2005 with Annual Gross Revenues Less Than or Equal to $1 Million

Institution Name
Number of Loans
Market Share %
Total Dollar Amount ($000's)
Market Share %
Average Loan Size ($000's)
CAPITAL ONE, F.S.B.
25
83.3
160
16.7
6
HUDSON UNITED BANK
2
6.7
775
80.7
388
BANK OF AMERICA, N.A.-USA.
2
6.7
20
2.1
10
WELLS FARGO BANK, N.A.
1
3.3
5
0.5
5
All Lenders (4)
30
100.0
960
100.0
32

Source: CRA Wiz, copyright held by PCi Services, Inc., 800-261-3111

Table 8: Number of Loans by Tract Income in the Vineland-Millville-Bridgeton, NJ MSA in 2005

Originated Loan
Tract Income as % of MSA Median Income
Low (<50%)
Moderate (50-79%)
Middle
(80-119%)
Upper (≥120%)
Total
Small Business
150
351
1,270
800
2,571
Small Farm
0
4
15
18
37
Total
150
355
1,285
818
2,608

Source: CRA Wiz, copyright held by PCi Services, Inc., 800-261-3111

Table 9: Number of Loans by Tract Income in the Vineland-Millville-Bridgeton, NJ MSA in 2005 – Businesses with Annual Gross Revenues Less Than or Equal to $1 Million

Originated Loan
Tract Income as % of MSA Median Income
Low (<50%)
Moderate (50-79%)
Middle
(80-119%)
Upper (≥120%)
Total
Small Business
65
145
565
333
1,108
Small Farm
0
3
14
13
30
Total
65
148
579
346
1,138

Source: CRA Wiz, copyright held by PCi Services, Inc., 800-261-3111

Community Profile: Vineland-Millville-Bridgeton, NJ Metropolitan Statistical Area (MSA)

Community Organizations

This section provides information about affordable housing, social service, economic development, and community revitalization organizations in the area whose interests, activities, and initiatives improve the housing conditions and employment opportunities of residents. These groups represent potential partners for bankers seeking to more fully address the credit needs of each region’s low- and moderate-income people and communities.

The information in this section is obtained directly from the websites of the community organizations.

Affordable Homes of Millville Ecumenical, Inc. (AHOME)

Mission

To provide homeownership opportunities for families that qualify and to renovate dilapidated housing (with an emphasis on rental units) into safe, decent, and saleable homes at an affordable price.

Year of Origin

1991

Core Programs

Service Areas

City of Millville

Contact Information

Affordable Homes of Millville Ecumenical, Inc. (AHOME)
400 E. Main Street
Millville, NJ 0832
Phone: 856-293-0100
Fax: 856-293-0101
Website: N/A

Cumberland Development Corporation (CDC)

Mission

To promote economic development in the region while stimulating increased coordination, cooperation, and communication between business and government.

Year of Origin

1995

Core Programs

Service Areas

Southern New Jersey municipalities of Commercial, Deerfield, Downe, Fairfield, Greenwich, Hopewell, Lawrence, Maurice River, Shiloh, Stow Creek, and Upper Deerfield.

Contact Information

Cumberland Development Corporation
P.O. Box 1021
Bridgeton, NJ 08302
Phone: 856-451-4200
Fax: 856-453-9795
Website: http://www.cdcnj.com/ External Link

Lutheran Social Ministries of New Jersey

Mission

The mission of Lutheran Social Ministries of New Jersey is to serve those in New Jersey who hurt, who are in need, or who have limited choices.

Year of Origin

1904

Core Programs

Service Area

New Jersey

Contact Information

Lutheran Social Ministries of New Jersey
6 Terri Lane
Suite 300
Burlington, NJ 08016
Phone: 609-386-7171
Fax: 609-386-7191
Website: http://www.lsmnj.org/ External Link

Housing and Economic Opportunities, Inc. (HEO)

Mission

HEO is dedicated to helping low- and moderate-income families and individuals find affordable housing and appropriate employment

Year of Origin

1992

Core Programs 

Service Area

Camden, Gloucester, Salem, Cumberland, Cape May and Atlantic Counties in New Jersey

Contact Information

Housing and Economic Opportunities, Inc.
600 Cuthbert Blvd.
Westmont, New Jersey 08108
Telephone: (856) 858-0303
Fax: (856) 858-0163
Email: shelia@njhousing.net
Website: http://www.njhousing.net/index.html External Link

Rural Opportunities, Inc (ROI)

Mission

The New Jersey division of Rural Opportunities, Inc. serves as a bridge to assist low- and moderate-income farmworkers to improve their social and economic conditions. Additionally, it strives to address critical community problems through the development of housing, jobs, and physical infrastructure.

Year of Origin

1969

Core Programs

Service Areas

Economically depressed areas of New York, Pennsylvania, New Jersey, Ohio, Indiana, Vermont, and Puerto Rico

Contact Information

Rural Opportunities, Inc.
78 W. Landis Avenue
Vineland, NJ 08360
Phone: 856-696-1000
Fax: 856-696-4892
Website: http://www.ruralinc.org External Link

The Salvation Army New Jersey Division

Mission

In addition to its evangelical mission, the Salvation Army operates a number of social programs that serve low- and moderate-income individuals and their families.

Year of Origin

1878

Core Programs

Service Area

There are 31 Corps Community Centers in New Jersey, including Bridgeton Corps and Vineland Corps.

Contact Information

Tri-County Community Action Partnership

Mission

To provide social services that improve quality of life and promote self-sufficiency.

Year of Origin

1987

Core Programs

Service Area

Cumberland, Gloucester, and Salem Counties

Contact Information

Tri-County Community Action Partnership
110 Cohansey Street
Bridgeton, NJ 08302
Phone: 856-451-6330
Fax: 856-455-7288
Website: http://www.tricountycaa.org External Link

E-Mail Notification

Find out when information for community development publications and events is released.

Contact Us

Federal Reserve Bank of Philadelphia
Community Development Studies and Education Department
Ten Independence Mall
Philadelphia, PA 19106-1574

(215) 574-6458 – phone
(215) 574-2512 – fax
info.communitydevelopment
@phil.frb.org

View All Contacts

Community Profiles

Funding Sources

There are public funds to support affordable housing, social service, economic development, and community revitalization initiatives at the national, state, and local levels. This support can be in the form of a grant, loan, or loan guarantee. The information in this section was obtained directly from the websites of the organizations that administer the programs. Contact each organization for specific information about the programs and services it offers.

Go to the main page of the Vineland-Millville-Bridgeton, NJ MSA.

Vineland-Millville-Bridgeton, NJ MSA Funding Sources

City of Vineland Home Ownership Assistance Program (HOAP)

The Home Ownership Assistance Program (HOAP) promotes homeownership in center city Vineland. The program is part of a multi-faceted approach to revitalizing center city and is supported by funds from the Cumberland Empowerment Zone Corp.

HOAP provides interest-free loans of up to $2,500 for use toward down payment and closing costs for the purchase of a home used for principal residence. The loan is repaid when the property is sold or ceases to be used as a principal residence. There are no income limits for participation in the program. Participants must provide at least $500 toward closing or down payment from sources other than the program. Funds are available only for homes between Park, Chestnut and West avenues and Myrtle Street. Additional information about the program is available at the city's Strategic Neighborhood Assistance Program website. External Link

City of Bridgeton, NJ Office of Community Development

The Office of Community Development is a division of the Development and Planning Department. Its responsibilities include preserving, promoting, and developing the city's interests in the areas of housing, public facilities, neighborhood improvements, and community services; researching, applying for, and working with other city departments, offices, or agencies to secure operation and program funding; and administering state, federal, and private grant funding for the city-sponsored programs. Additional information about these programs is available through the City of Bridgeton, NJ Office of Community Development's website. External Link

Cooperative Business Assistance Corporation (CBAC)

The Cooperative Business Assistance Corporation (CBAC) facilitates opportunities for banks to make business loans in the city of Camden, New Jersey, and six counties located in southern New Jersey (Atlantic, Camden, Cape May, Cumberland, Gloucester, and Salem counties). CBAC offers small-business owners and entrepreneurs below-market interest rate loans, technical assistance, and a professional referral network. By strengthening small businesses, CBAC provides funding that creates jobs, provides necessary services to local residents, and rehabilitates vacant properties, which ultimately contribute to the stabilization of the community.

Additional information about the loan programs and services offered by CBAC is available through its website. External Link

E-Mail Notification

Find out when information for community development publications and events is released.

Contact Us

Federal Reserve Bank of Philadelphia
Community Development Studies and Education Department
Ten Independence Mall
Philadelphia, PA 19106-1574

(215) 574-6458 – phone
(215) 574-2512 – fax
info.communitydevelopment
@phil.frb.org

View All Contacts