Crowdcopia at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
89th0.5% deniedProcesswithdrawn + incomplete share, weight 15%
2nd44.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 219 | 127 | 0.5% | 0.8% | 12.00% | $23M |
| 2025 | 363 | 202 | 0.3% | 0.5% | 12.00% | $46M |
What Crowdcopia lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 363 investment properties.
Why Crowdcopia denies applications
Primary reason reported for each of the 1 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Crowdcopia
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 66 | 36 | 2.7% |
| 35–44 | 151 | 88 | 0.0% |
| 45–54 | 59 | 33 | 0.0% |
| 55–64 | 24 | 15 | 0.0% |
Where Crowdcopia lends
8 states and 39 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 307 | 162 | 0.3% | 12.00% | #220 |
| North Carolina | 16 | 12 | 0.0% | 12.00% | #559 |
| New Jersey | 15 | 9 | 0.0% | 12.00% | #484 |
| Virginia | 15 | 12 | 0.0% | 12.00% | #533 |
Frequently asked questions
Crowdcopia denied 0.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 89th percentile of investment-property lenders.
The most common reason Crowdcopia gave in 2025 was "insufficient cash", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Crowdcopia originated in 2025 was 12.00%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 0% of its applications were for home purchases, 0% for refinancing (including cash-out), and 100% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.