Victorian Finance in Pennsylvania vs the state
1.3%Denial rate-17.01 pts vs state
1.7%Decision denial rate-20.56 pts vs state
76.3%Origination rate+15.29 pts vs state
6.49%Median rate-0.13 pts vs state
0.28Rate spread (pts)+0.04 pts vs state
$91kMedian applicant income
594Loans originated
10Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 589 | 473 | 0.9% | 6.49% | #119 |
| 2024 | 728 | 554 | 1.1% | 6.50% | #106 |
| 2025 | 779 | 594 | 1.3% | 6.49% | #116 |
What Victorian Finance lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Victorian Finance applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allegheny County | 463 | 340 | 10 | 2.2% |
| Washington County | 102 | 82 | 0 | 0.0% |
| Beaver County | 83 | 65 | 0 | 0.0% |
| Westmoreland County | 67 | 53 | 0 | 0.0% |
| Butler County | 25 | 20 | 0 | 0.0% |
| Lawrence County | 9 | 9 | 0 | 0.0% |
| Armstrong County | 7 | 6 | 0 | 0.0% |
| Fayette County | 6 | 4 | 0 | 0.0% |
| Somerset County | 5 | 4 | 0 | 0.0% |
| Indiana County | 2 | 2 | 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: 779 applications in 2025, of which 594 were originated and 10 denied.
1.3% of all applications, or 1.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Victorian Finance originated in Pennsylvania in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Victorian Finance'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