Applications / Mortgage Analytics / Lenders / Pennsylvania / Lending Capital Group
Philadelphia, PA · Independent non-bank lender · CFPB · 421 loans in 2025
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421
loans originated, 2025
554
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lending Capital Group, a Philadelphia purchase lender, directs a larger share of its loans to lower-income borrowers than nine in ten similar lenders.
Low- and moderate-income (LMI) borrowers took 44.5% of its loans, up from 34.9% a year earlier. Among similar lenders (independent non-bank lenders making between half and twice as many loans) the typical share was 23.6%. Its share of loans in poorer neighborhoods, 18.7%, was close to theirs, so the difference lies in whom it lends to rather than where.
Home purchases made up 88.1% of its lending and conventional loans 84.3%, more than at about three-quarters of its peers. It made almost no loans guaranteed by the Department of Veterans Affairs, 0.2% against 5.0% at similar lenders, and no jumbo loans, those above the conforming limit.
It made 908 loans in 2020 and 902 in 2021, then fell to 349 in 2023. It has since held at 433 and 421. Last year's 3% fall left it near the middle of similar lenders for volume.
It ranks 76 of 784 lenders by dollars lent in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, its main market since it first reported in 2018. Elsewhere it is a small presence, ranking 175 of 365 in Reading, PA, and it entered Lexington Park, MD, and Dayton-Kettering-Beavercreek, OH, only in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lending Capital Group took 554 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.1% · Refinance 11.9%
Conventional 84.3% · FHA 15.4% · VA 0.2% · of 421 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 | 365 | 86.7% |
| New Jersey | 35 | 8.3% |
| Florida | 17 | 4.0% |
| Maryland | 2 | 0.5% |
| Connecticut | 1 | 0.2% |
| Ohio | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Montgomery County-Bucks County-Chester County | 216 |
| Philadelphia | 123 |
| Camden | 27 |
| Fort Lauderdale-Pompano Beach-Sunrise | 7 |
| Reading | 6 |
| Pittsburgh | 5 |
| Lancaster | 4 |
| West Palm Beach-Boca Raton-Delray Beach | 4 |
| Allentown-Bethlehem-Easton | 3 |
| Lakewood-New Brunswick | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549003GSJF52BBIBW81 | 2018–2025 |
Established 26 September 2017. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Lending Capital Group's data.
Lending Capital Group's data
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Lending Capital 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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