Applications / Mortgage Analytics / Lenders / Pennsylvania / The Victory Bank
Limerick, PA · State member bank · FRS · $464 million assets · 48 loans in 2025
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48
loans originated, 2025
62
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Victory Bank is a Pennsylvania bank that lends mainly to home buyers, and in 2025 it made fewer loans than before but larger ones than its rivals.
It made 48 loans in 2025, down 29% from 68 and well below the 124 of 2020. Similar lenders (state member banks making between half and twice as many loans) grew 6% over the year, and more than nine in ten of them grew faster. With volumes this small, a handful of customers could account for the change.
Purchases made up 81.3% of its loans and refinancing 14.6%. Every loan was conventional, with none insured or guaranteed by the government, and none was for a manufactured home. It is a lender for people buying houses, not one that lives off refinancing.
The typical loan was $270,000, against $180,000 at similar lenders. So although it made fewer loans than the typical peer, it lent more money: $27.3 million against $17.2 million, more than about three in four similar lenders.
In Reading, where it has lent since 2010, it ranked 70 of 365 and its share fell to 0.3% from 0.5%, which may reflect its smaller volume. In Atlantic City its share rose to 0.2% from 0.1%. CrossCountry Mortgage led Reading and Citizens Bank led Atlantic City. In the much larger Philadelphia market it ranked 276 of 784.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Victory Bank took 62 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.3% · Refinance 14.6% · Home improvement 4.2%
Conventional 100.0% · of 48 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 45 | 93.8% |
| New Jersey | 3 | 6.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Reading | 18 |
| Montgomery County-Bucks County-Chester County | 16 |
| Philadelphia | 10 |
| Atlantic City-Hammonton | 3 |
| Allentown-Bethlehem-Easton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SUW02WEKP4OP52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3603961 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358615 | 2010–2017 |
Established 16 January 2008. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: The Victory Bank's data.
The Victory Bank's data
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The Victory Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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