EXHIBIT 23.2



INDEPENDENT AUDITORS' CONSENT

We consent to the  incorporation  by reference in  Registration  Statements Nos.
33-90822,  333-42685 and 333-47591 of PennFed Financial Services,  Inc. on Forms
S-8, and  Registration  Statement No. 333-20499 of PennFed  Financial  Services,
Inc. on Form S-3 of our report dated July 29, 2003,  (which report  expresses an
unqualified  opinion  and  includes  an  explanatory  paragraph  related  to the
adoption of FASB  Interpretation  No. 46,  "Consolidation  of Variable  Interest
Entities")  appearing  in the Annual  Report on Form 10-K of  PennFed  Financial
Services, Inc. for the year ended June 30, 2003.


/s/ Deloitte & Touche LLP
Parsippany, New Jersey
October 27, 2003