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MortgageCountry

Independent Mortgage CompanyPhiladelphia, PAHQDirectReviews near you on Google

MortgageCountry has 381 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Near-National · 4 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Nationwide availability with consistent service

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Report Card

MortgageCountry performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Near-National · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume335
Mix87.9%
Spread
Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume19
Mix5.0%
Spread
Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Pull Through
Strong
Volume19
Mix5.0%
Spread
Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Pull Through
Sound
Volume297
Mix78.0%
Spread
Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Pull Through
Strong
Volume84
Mix22.0%
Spread
Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
381
Applications
479
Volume
$165 million
Pricing & Closing
Pullthrough Rate
79.5%
Applications → Closed
Typical Borrower
Avg Loan Amount
$434,318
Avg Borrower Income
$200,352

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
28
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

28
28 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast6
CTMEMANHNJPA
Midwest5
ILINMIOHWI
South10
DCDEFLGAKYMDNCSCTXVA
West7
AZCACOIDNMUTWA

Top Metro Areas by Place Specialization Score

1© 颐园居 · CC BY-SA 4.0
Philadelphia, PAMetro
Volume 144Mix 37.80% of portfolio
81/100
Exceptional
2© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 86Mix 22.57% of portfolio
74/100
Strong
Volume 32Mix 8.40% of portfolio
58/100
Sound
4© Smith, H. B. · Public domain
Atlantic City, NJMetro
Volume 11Mix 2.89% of portfolio
45/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 252Mix 66.14% of portfolio
77/100
Strong
New Jersey
New Jersey
2
New JerseyState
Volume 58Mix 15.22% of portfolio
61/100
Strong
Florida
Florida
3
FloridaState
Volume 15Mix 3.94% of portfolio
39/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.