Village Capital & Investment in Pennsylvania vs the state
25.8%Denial rate+7.52 pts vs state
35.8%Decision denial rate+13.54 pts vs state
26.8%Origination rate-34.15 pts vs state
5.75%Median rate-0.88 pts vs state
—Rate spread (pts)
$78kMedian applicant income
241Loans originated
232Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 584 | 123 | 15.6% | 6.25% | #121 |
| 2024 | 921 | 274 | 16.4% | 5.88% | #89 |
| 2025 | 899 | 241 | 25.8% | 5.75% | #102 |
What Village Capital & Investment lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Village Capital & Investment applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 88 | 12 | 32 | 36.4% |
| Allegheny County | 68 | 16 | 19 | 27.9% |
| York County | 49 | 14 | 11 | 22.4% |
| Montgomery County | 46 | 9 | 14 | 30.4% |
| Delaware County | 43 | 12 | 12 | 27.9% |
| Lancaster County | 43 | 10 | 10 | 23.3% |
| Monroe County | 42 | 11 | 13 | 31.0% |
| Bucks County | 39 | 18 | 7 | 17.9% |
| Dauphin County | 35 | 9 | 7 | 20.0% |
| Berks County | 34 | 6 | 8 | 23.5% |
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: 899 applications in 2025, of which 241 were originated and 232 denied.
25.8% of all applications, or 35.8% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Village Capital & Investment originated in Pennsylvania in 2025 was 5.75%, against a statewide median of 6.63%.
About this data. Figures are Village Capital & Investment'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