Mortgage America, Inc. mortgage approval rate & lending review
Mortgage America, Inc. decided 4,369 mortgage applications and funded 4,278 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mortgage America, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to mortgageamerica.com.
Mortgage America, Inc. at a glance
Approval is 11.4 points above the 86.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 3,775 / 3,846 | 100% | $265K | 3,773 |
| Cash-out refinance | 97% | 111 / 114 | 100% | $205K | 111 |
| Refinance | 97% | 114 / 117 | 100% | $295K | 114 |
| Investment property purchase | 97% | 223 / 230 | 100% | $165K | 223 |
| Investment cash-out refinance | 93% | 41 / 44 | 100% | $195K | 41 |
Mortgage America, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Pennsylvania | 98% | $265K | 4,294 | 4,205 |
| New Jersey | 100% | $315K | 31 | 31 |
| Delaware | 93% | $355K | 30 | 28 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Mortgage America, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Berks County, PA | Mortgage lenders | 98% | 987 | 968 |
| Montgomery County, PA | Mortgage lenders | 99% | 448 | 443 |
| Schuylkill County, PA | Mortgage lenders | 97% | 403 | 392 |
| Lehigh County, PA | Mortgage lenders | 98% | 379 | 371 |
| Northampton County, PA | Mortgage lenders | 99% | 290 | 288 |
| Philadelphia County, PA | Mortgage lenders | 98% | 291 | 284 |
| Chester County, PA | Mortgage lenders | 100% | 216 | 215 |
| Bucks County, PA | Mortgage lenders | 99% | 212 | 210 |
| Delaware County, PA | Mortgage lenders | 99% | 155 | 154 |
| Dauphin County, PA | Mortgage lenders | 98% | 156 | 153 |
| Berks County, PA | Investment property purchase | 96% | 69 | 66 |
| Monroe County, PA | Mortgage lenders | 98% | 50 | 48 |
The county markets where Mortgage America, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Mortgage America, Inc.
What is Mortgage America, Inc.'s mortgage approval rate?
Mortgage America, Inc. approved 98.0% of the 4,369 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.4 points above the 86.6% national rate for the same mix of loan types.
How often do borrowers take the loan Mortgage America, Inc. offers?
Borrowers accepted 100% of the loans Mortgage America, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mortgage America, Inc. make?
The typical home purchase mortgage loan Mortgage America, Inc. made was $265K; across all loan types its typical loan ran from $165K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mortgage America, Inc. lend?
Mortgage America, Inc. decided applications in 5 of the states Fat Boy Data covers, most of them in Pennsylvania, New Jersey and Delaware.
Can I apply to Mortgage America, Inc. directly?
Yes. Mortgage America, Inc. reports as a direct lender that takes applications from borrowers. Its website is mortgageamerica.com.
Does this page show Mortgage America, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Mortgage America, Inc. treats applications, then get a rate quote from the lender.