Lima One Capital in Pennsylvania vs the state
21.7%Denial rate+3.38 pts vs state
26.5%Decision denial rate+4.32 pts vs state
60.0%Origination rate-0.96 pts vs state
7.55%Median rate+0.92 pts vs state
—Rate spread (pts)
—Median applicant income
108Loans originated
39Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 291 | 291 | 0.0% | 8.90% | #216 |
| 2024 | 402 | 211 | 27.6% | 8.20% | #172 |
| 2025 | 180 | 108 | 21.7% | 7.55% | #294 |
What Lima One Capital lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 42 | 25 | 10 | 23.8% |
| Philadelphia County | 41 | 16 | 15 | 36.6% |
| Luzerne County | 17 | 12 | 2 | 11.8% |
| Dauphin County | 8 | 6 | 0 | 0.0% |
| Lehigh County | 6 | 6 | 0 | 0.0% |
| Westmoreland County | 6 | 5 | 1 | 16.7% |
| Montgomery County | 6 | 5 | 1 | 16.7% |
| Beaver County | 5 | 3 | 0 | 0.0% |
| York County | 5 | 3 | 1 | 20.0% |
| Monroe County | 5 | 4 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 180 applications in 2025, of which 108 were originated and 39 denied.
21.7% of all applications, or 26.5% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Lima One Capital originated in Pennsylvania in 2025 was 7.55%, against a statewide median of 6.63%.
About this data. Figures are Lima One Capital's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology