Philadelphia Mortgage Advisors 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%
93rd1.3% deniedPricingmedian rate spread over APOR, weight 30%
85th-0.05 ptsProcesswithdrawn + incomplete share, weight 15%
51st11.4%Closing coststotal loan costs ÷ loan amount, weight 10%
49th1.95% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 534 | 447 | 1.9% | 2.2% | 6.50% | $131M |
| 2024 | 470 | 414 | 1.5% | 1.7% | 6.50% | $127M |
| 2025 | 438 | 383 | 1.1% | 1.3% | 6.50% | $144M |
What Philadelphia Mortgage Advisors 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: 3 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 17 investment properties.
Why Philadelphia Mortgage Advisors denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Philadelphia Mortgage Advisors
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 122 | 108 | 0.0% |
| $100k – $150k | 105 | 85 | 2.3% |
| $150k – $250k | 130 | 117 | 1.7% |
| Over $250k | 75 | 69 | 1.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 189 | 167 | 1.2% |
| 35–44 | 142 | 125 | 0.8% |
| 45–54 | 44 | 40 | 0.0% |
| 55–64 | 33 | 28 | 6.7% |
Where Philadelphia Mortgage Advisors lends
5 states and 29 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 406 | 357 | 1.0% | 6.50% | #184 |
| New Jersey | 20 | 16 | 5.0% | 6.56% | #450 |
| Maryland | 6 | 5 | 0.0% | 6.38% | #520 |
Frequently asked questions
Philadelphia Mortgage Advisors denied 1.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 93rd percentile of small mortgage lenders.
The most common reason Philadelphia Mortgage Advisors gave in 2025 was "collateral", cited on 80.0% 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 Philadelphia Mortgage Advisors originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was -0.05 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 94% of its applications were for home purchases, 6% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 93% conventional, 5% 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.