MortgageCountry at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
96th0.7% deniedPricingmedian rate spread over APOR, weight 30%
83rd-0.02 ptsProcesswithdrawn + incomplete share, weight 15%
28th17.0%Closing coststotal loan costs ÷ loan amount, weight 10%
78th1.19% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 399 | 316 | 2.3% | 2.8% | 6.50% | $136M |
| 2024 | 498 | 394 | 1.0% | 1.3% | 6.38% | $170M |
| 2025 | 734 | 605 | 0.5% | 0.7% | 6.25% | $276M |
What MortgageCountry lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 5 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 28 investment properties.
Why MortgageCountry denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at MortgageCountry
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 131 | 103 | 0.0% |
| $100k – $150k | 178 | 138 | 2.1% |
| $150k – $250k | 241 | 204 | 0.5% |
| Over $250k | 174 | 151 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 313 | 265 | 0.8% |
| 35–44 | 200 | 168 | 0.0% |
| 45–54 | 115 | 97 | 0.0% |
| 55–64 | 57 | 43 | 4.4% |
| 65–74 | 30 | 20 | 0.0% |
Where MortgageCountry lends
36 states and 176 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 424 | 364 | 0.2% | 6.25% | #176 |
| New Jersey | 96 | 82 | 0.0% | 6.25% | #272 |
| Florida | 25 | 19 | 0.0% | 6.25% | #727 |
| Texas | 22 | 19 | 4.6% | 6.13% | #846 |
| Ohio | 15 | 10 | 0.0% | 6.13% | #571 |
| North Carolina | 14 | 10 | 0.0% | 6.38% | #573 |
| Connecticut | 13 | 10 | 0.0% | 6.56% | #349 |
| California | 9 | 4 | 0.0% | 6.63% | #742 |
| Colorado | 9 | 6 | 0.0% | 6.56% | #522 |
| Arkansas | 8 | 3 | 0.0% | 6.99% | #361 |
| Indiana | 8 | 7 | 0.0% | 6.50% | #586 |
| Tennessee | 8 | 5 | 25.0% | 6.38% | #659 |
| Virginia | 8 | 7 | 0.0% | 6.50% | #590 |
| Michigan | 7 | 7 | 0.0% | 6.63% | #549 |
| South Carolina | 7 | 6 | 0.0% | 6.68% | #582 |
| Delaware | 6 | 6 | 0.0% | 7.19% | #299 |
| Massachusetts | 6 | 4 | 0.0% | 6.38% | #501 |
| Illinois | 5 | 2 | 0.0% | 5.99% | #760 |
| Kentucky | 5 | 3 | 0.0% | 5.63% | #489 |
| Maryland | 5 | 4 | 0.0% | 5.94% | #545 |
| Minnesota | 5 | 4 | 0.0% | 6.31% | #551 |
| Oklahoma | 5 | 5 | 0.0% | 5.75% | #481 |
Frequently asked questions
MortgageCountry denied 0.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 96th percentile of small mortgage lenders.
The most common reason MortgageCountry gave in 2025 was "unverifiable information", cited on 25.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans MortgageCountry originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.02 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 68% of its applications were for home purchases, 32% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 91% conventional, 7% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.