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MortgageCountry

Blue Bell, PA

MortgageCountry processed 498 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 394 loans with a 1.0% denial rate. Home Purchase was the primary loan purpose. Based in Blue Bell, PA. The approval rate of 79.1% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. MortgageCountry's 79.1% origination rate tells you how often an application turned into funded money; the 1.0% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Collateral, Insufficient cash, Debt-to-income ratio, which together explain the majority of rejections. Most activity concentrated in Conventional loans (451 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

498
Applications
394
Originated
1.0%
Denial Rate
$431,426
Avg Loan Amount
Avg Interest Rate: 6.515%

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 451 367 2 $438,614
FHA 33 19 2 $295,606
VA 14 8 1 $520,000

Top loan types - MortgageCountry

Top loan types - MortgageCountry Horizontal bar chart of the top 3 items by value (applications). Top loan types - MortgageCountry Top 3 1. Conventional 451 2. FHA 33 3. VA 14 Top 5 loan types by application volume at MortgageCountry (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for MortgageCountry (LEI: 254900U1OBL1MC6M6518) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Collateral
2
Insufficient cash
1
Debt-to-income ratio
1
Credit application incomplete
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 378 301 $435,238
Refinancing 70 61 $440,286
Cash-out Refinancing 50 32 $390,200

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 342 83.3% 0.6%
Asian * 34 67.7% 0.0%
Black or African American * 28 64.3% 3.6%
Joint * 14 71.4% 0.0%
2 or more minority races * 2 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 396 80.6% 1.0%
Joint * 12 75.0% 0.0%
Hispanic or Latino * 11 90.9% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in PA

Other HMDA-reporting lenders in PA with similar activity. Compare any two side-by-side.

Newrez LLC

FORT WASHINGTON, PA

248,242 apps 52,121 originated 11.5% denied

Pnc Bank N.A.

Pittsburgh, PA

127,108 apps 56,830 originated 25.4% denied

Spring Eq, LLC

RADNOR, PA

104,263 apps 31,186 originated 54.8% denied

Nvr Mortgage Finance, INC.

PITTSBURGH, PA

23,698 apps 17,311 originated 17.1% denied

First National Bank of PA

PITTSBURGH, PA

22,946 apps 13,057 originated 25.0% denied
Compare MortgageCountry vs Newrez LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did MortgageCountry process?
MortgageCountry processed 498 mortgage applications in the 2024 HMDA reporting year. Of these, 394 were originated (approved and funded), 99 were withdrawn by the applicant, and 5 were denied.
What is MortgageCountry's mortgage approval rate?
MortgageCountry has an approval (origination) rate of 79.1%, meaning 79.1% of all applications resulted in a funded mortgage. The denial rate is 1.0%.
What is the average loan amount at MortgageCountry?
The average mortgage loan amount at MortgageCountry is $431,426. The average interest rate is 6.515%.
What are the most common reasons for mortgage denial at MortgageCountry?
The most common reasons for mortgage denial at MortgageCountry are: Collateral, Insufficient cash, Debt-to-income ratio. In total, 5 applications were denied out of 498 total applications.
What types of mortgage loans does MortgageCountry offer?
MortgageCountry processes Conventional, FHA, VA loans. The most common type is Conventional with 451 applications and an average loan amount of $438,614.
What loan purposes does MortgageCountry serve?
MortgageCountry serves the following loan purposes: Home Purchase (378 applications), Refinancing (70 applications), Cash-out Refinancing (50 applications). Home Purchase is the most common purpose.
Where is MortgageCountry located?
MortgageCountry is headquartered in Blue Bell, PA. The lender is identified by LEI 254900U1OBL1MC6M6518 in HMDA data.
How does MortgageCountry compare in lending across racial demographics?
MortgageCountry reports demographic lending data under HMDA requirements. White applicants have an approval rate of 83.3% and denial rate of 0.6%; Asian applicants have an approval rate of 67.7% and denial rate of 0.0%; Black or African American applicants have an approval rate of 64.3% and denial rate of 3.6%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.