Applications / Mortgage Analytics / Lenders / Delaware / Crowdcopia
Lewes, DE · Non-bank or government lender · CFPB · 202 loans in 2025
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202
loans originated, 2025
363
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Crowdcopia makes nothing but home-improvement loans, and more than half of them go to poorer neighborhoods, a far higher share than at similar lenders.
Every one of its 202 loans in 2025 was for home improvement, all conventional, none on manufactured homes. Its typical loan was $185,000, against $370,000 at similar lenders (non-bank or government lenders making between half and twice as many loans). That puts it among the lowest tenth of them.
Some 58.6% of its loans were in low- and moderate-income (LMI) neighborhoods, against 19.7% at similar lenders, and 69.3% in majority-minority neighborhoods, against 32.3%. Both shares are higher than at nearly all its peers. They were higher still in 2020, at 79.4% and 83.7%. No figure for borrower incomes is available, so its lending to lower-income borrowers themselves cannot be judged.
Its typical rate was 12.00%, against 6.62% at similar lenders, and the same as in 2020. Home-improvement loans are a different product from the purchase and refinance loans most of its peers make, and that could account for much of the difference.
It reported first in 2019 and lends in seven states, mostly Pennsylvania; Philadelphia is its largest market. Six of the markets on its profile, from Asheville to Richmond, it entered only in 2025. No figure for 2024 appears in its record, so its growth over the year cannot be measured.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Crowdcopia took 363 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 100.0%
Conventional 100.0% · of 202 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 | 162 | 80.2% |
| North Carolina | 12 | 5.9% |
| Virginia | 12 | 5.9% |
| New Jersey | 9 | 4.5% |
| Delaware | 3 | 1.5% |
| Oklahoma | 3 | 1.5% |
| Colorado | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Philadelphia | 138 |
| Montgomery County-Bucks County-Chester County | 12 |
| Scranton--Wilkes-Barre | 10 |
| Richmond | 9 |
| Asheville | 5 |
| Atlantic City-Hammonton | 4 |
| Charlotte-Concord-Gastonia | 3 |
| Tulsa | 3 |
| Virginia Beach-Chesapeake-Norfolk | 3 |
| Camden | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 9845001ADACA7A75EE02 | 2019–2025 |
Established 4 August 2016. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Crowdcopia's data.
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