# Mortgage America, Inc.

> **Canonical URL:** https://saferate.com/lenders/mortgage-america


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Mortgage America, Inc. is a independent mortgage company, headquartered in Whitehall, PA, serving borrowers across 4 states, with 1,623 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 50% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 19% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 5493000GQ5D5YW5QID32
- **Headquarters:** Whitehall, PA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** DE, FL, NJ, PA
- **Markets (MSAs):** 10
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 81/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.217%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,261
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,623
- **Dollar Volume:** $460 million
- **Applications Received:** 1,943
- **Market Share:** 5.00%

## Typical Borrower Profile

- **Average Loan Amount:** $283,398
- **Average Borrower Income:** $122,980
- **Average Property Value:** $353,324

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (76%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 1,325 | +0.206% | $2,322 | Exceptional 🤩 |
| FHA | 75/100 | 217 | +0.427% | $1,853 | Strong 😀 |
| VA | 63/100 | 35 | -0.292% | $2,084 | Strong 😀 |
| Jumbo | 66/100 | 16 | +0.065% | $2,074 | Strong 😀 |
| USDA | 78/100 | 30 | -0.093% | $1,605 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,246 loans, Score: 81/100 (Exceptional)
- Refinance: 79 loans, Score: 64/100 (Strong)

**FHA:**
- Purchase: 206 loans, Score: 75/100 (Strong)

**VA:**
- Purchase: 33 loans, Score: 64/100 (Strong)

**USDA:**
- Purchase: 30 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 1,531 | $437M | +0.206% | Exceptional 🤩 |
| Refinance | 63/100 | 92 | $23M | +0.411% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 1,597 | 1.32% | 94/100 |
| DE | 16 | 0.11% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Montgomery County | PA | 400 | 93/100 |
| Reading, PA | PA | 350 | 100/100 |
| Allentown | PA-NJ | 309 | 95/100 |
| Non |  | 235 | 62/100 |
| Philadelphia, PA | PA | 191 | 81/100 |
| Harrisburg | PA | 59 | 69/100 |
| Lancaster, PA | PA | 15 | 47/100 |
| Scranton | PA | 14 | 45/100 |
| Lebanon, PA | PA | 13 | 45/100 |
| Wilmington, DE |  | 11 | 41/100 |

## Where This Lender Ranks

Mortgage America, Inc. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Pennsylvania for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Montgomery County for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Reading, PA Mortgage Companies
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/mortgage-companies)
- 🥇 **#1** in Reading, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Reading, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Reading, PA for USDA Loans
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Reading, PA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Allentown for Conventional Loans
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Allentown for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Philadelphia, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Harrisburg for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Pennsylvania Mortgage Companies
  - [View Full Rankings](https://saferate.com/pennsylvania/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Montgomery County Mortgage Companies
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Montgomery County for Conventional Loans
  - [View Full Rankings](https://saferate.com/montgomery-county/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Reading, PA
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders)
- 🥈 **#2** in Reading, PA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/reading-pa/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥈 **#2** in Allentown Mortgage Companies
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Philadelphia, PA for Conventional Loans
  - [View Full Rankings](https://saferate.com/philadelphia-pa/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Lebanon, PA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lebanon-pa/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Allentown for FHA Loans
  - [View Full Rankings](https://saferate.com/allentown/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Mortgage America, Inc. offer?

Mortgage America, Inc. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Mortgage America, Inc. offer mortgages?

Mortgage America, Inc. offers mortgages in 4 states: DE, FL, NJ, PA.

### How competitive are Mortgage America, Inc.'s mortgage rates?

Mortgage America, Inc. has a pricing score of 50/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.217% above market average.

### What type of lender is Mortgage America, Inc.?

Mortgage America, Inc. is a non-depository lender that specializes in mortgage origination, headquartered in Whitehall, PA.

### What is Mortgage America, Inc.'s loan approval success rate?

Mortgage America, Inc. has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mortgage-america

### How to Cite

> "Mortgage America, Inc. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mortgage-america

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