Applications / Mortgage Analytics / Lenders / Pennsylvania / Spring Garden Lending Group
Philadelphia, PA · Non-bank lender · CFPB · 6 loans in 2025
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6
loans originated, 2025
6
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Spring Garden Lending Group, a Philadelphia non-bank lender, filed its first report in 2025, and it covers just six loans.
The lender first reported in 2025. Its loans sit in three counties across two states, in Philadelphia-Camden-Wilmington, where it ranks 673 of 784 lenders, in Pittsburgh, where it ranks 516 of 571, and in non-metro Ohio. It entered all three markets in 2025.
Similar lenders here are non-banks making between an eighth and eight times as many loans. Spring Garden's loans were all conventional, with none backed by a government agency and none on a manufactured home. Half were refinances, a third home-improvement loans and a sixth purchases. Six loans are too few to say what kind of lender it is, or to set its typical loan of $115,000 beside the $292,500 of the typical similar lender.
With six loans, each one is worth 16.7% of its lending. Its shares of loans in poorer or majority-minority neighborhoods, and its rates, could swing widely with a single loan, so they tell a reader little yet.
Similar lenders: lenders of the same broad kind (banks and savings institutions, credit unions or non-banks), originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Spring Garden Lending Group took 6 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.0% · Home improvement 33.3% · Purchase 16.7%
Conventional 100.0% · of 6 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 | 5 | 83.3% |
| Ohio | 1 | 16.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Philadelphia | 3 |
| Pittsburgh | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549002XMEXTF4CJZB05 | 2025–2025 |
Established 9 May 2016. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Spring Garden Lending Group's data.
Spring Garden Lending Group's data
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Spring Garden Lending Group 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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