Applications / Mortgage Analytics / Lenders / Pennsylvania / MortgageCountry
Whitpain Township, PA · Independent non-bank lender · CFPB · 605 loans in 2025
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605
loans originated, 2025
734
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MortgageCountry, a Pennsylvania mortgage company that first reported in 2022, grew by 54% in 2025, faster than almost all similar lenders, on the back of conventional home-purchase loans.
It made 316 loans in 2023 and 605 in 2025. Its 54% rise last year compares with 2% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. Pennsylvania is home, but it now lends in 34 states. In Philadelphia, its biggest market, it ranks 56 of 784 lenders.
Conventional loans make up 92.7% of its lending, against 67.3% at similar lenders. Loans insured by the Federal Housing Administration (FHA) are only 5.8%, against 21.3%. Two in three of its loans are for home purchases. Its typical loan, $395,000, is larger than its peers' $325,000, and 5.3% of its loans are jumbo (above the conforming limit), against 1.1%.
Only 13.8% of its borrowers have low or moderate incomes (LMI), against 24.9% at similar lenders, a lower share than at more than four in five of them. Its share of loans in LMI neighborhoods is also lower. One possible reason is its product: larger conventional loans and little FHA lending.
It denied 0.5% of home-purchase applications, against 2.9% at similar lenders, and 1.2% of refinance applications, against 8.3%. Both rates are among the lowest of its peers. Its typical rate, 6.25%, is also a little lower than theirs.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MortgageCountry took 734 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.9% · Refinance 32.9% · Other 0.2%
Conventional 92.7% · FHA 5.8% · VA 1.5% · of 605 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 | 364 | 60.2% |
| New Jersey | 82 | 13.6% |
| Florida | 19 | 3.1% |
| Texas | 19 | 3.1% |
| Connecticut | 10 | 1.7% |
| North Carolina | 10 | 1.7% |
| Ohio | 10 | 1.7% |
| Indiana | 7 | 1.2% |
| Michigan | 7 | 1.2% |
| Virginia | 7 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Philadelphia | 168 |
| Montgomery County-Bucks County-Chester County | 164 |
| Camden | 45 |
| Atlantic City-Hammonton | 14 |
| Pittsburgh | 11 |
| Newark | 9 |
| Hartford-West Hartford-East Hartford | 6 |
| Lakewood-New Brunswick | 6 |
| Allentown-Bethlehem-Easton | 5 |
| Austin-Round Rock-San Marcos | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900U1OBL1MC6M6518 | 2022–2025 |
Established 20 May 2019. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: MortgageCountry's data.
MortgageCountry's data
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MortgageCountry 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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