Mortgage America, Inc.: 2025 mortgage rates, costs & approvals
How Mortgage America, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Mortgage America, Inc. · LEI 5493000GQ5D5YW5QID32
In 2025, Mortgage America, Inc. originated 1,319 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 372nd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $5,570, about the same as the national median ($5,570).
It denied 1.9% of completed home-purchase applications (all lenders: 8.5%).
How Mortgage America, Inc. priced home-purchase loans
| Purchase loans, 2025 | Mortgage America, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.17 pts | +0.13 pts |
| Total loan costs · conventional | $5,570 | $5,570 |
| Total loan costs · FHA | $9,120 | $11,310 |
| Total loan costs · VA | $7,290 | $6,490 |
| Origination charges (all types) | $1,500 | $1,860 |
| Borrowers paying discount points | 33.2% | 51.3% |
| Points paid, when paid (% of loan) | 0.91% | 0.87% |
| Borrowers receiving lender credits | 2.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Mortgage America, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Mortgage America, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Pennsylvania | 1,303 | 1,328 | 1.9% | 6.625% | $5,570 |
| Delaware | 6 | 7 | — | — | — |
| New Jersey | 6 | 6 | — | — | — |
| Florida | 3 | 3 | — | — | — |
| South Carolina | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Mortgage America, Inc.'s page for that state.
Counties where Mortgage America, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Schuylkill County, PA | 2 | 128 | 8.7% |
| Berks County, PA | 2 | 355 | 7.8% |
| Carbon County, PA | 3 | 59 | 6.3% |
| Lehigh County, PA | 5 | 139 | 3.4% |
| Northumberland County, PA | 7 | 22 | 3.3% |
| Northampton County, PA | 7 | 105 | 2.8% |
| Union County, PA | 10 | 7 | 2.3% |
| Montour County, PA | 15 | 3 | 1.6% |
| Dauphin County, PA | 19 | 43 | 1.3% |
| Montgomery County, PA | 13 | 126 | 1.3% |
| Snyder County, PA | 15 | 3 | 1.2% |
| Columbia County, PA | 19 | 6 | 1.1% |
| Monroe County, PA | 23 | 20 | 0.9% |
| Tioga County, PA | 18 | 3 | 0.9% |
| Potter County, PA | 15 | 1 | 0.8% |
Check Mortgage America, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493000GQ5D5YW5QID32.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Mortgage America, Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology