Philadelphia Mortgage Advisors

What Philadelphia Mortgage Advisors does

Philadelphia Mortgage Advisors Group (PMAG) is a residential mortgage lender and consultancy headquartered in Plymouth Meeting, Pennsylvania, operating as a division of radius financial group inc. since a 2024 corporate reorganization that followed ~17 years of independent operation founded in 2007. The company originates purchase and refinance mortgages across five states (Pennsylvania, Maryland, New Jersey, Delaware, and Florida) under NMLS #1846, delivered through a sales-led model built on a directory of 14 licensed mortgage advisors, each of whom operates a personalized landing site supported by online pre-qualification, purchase and refinance applications, a customer portal integrated with Volly, and a suite of static mortgage calculators (payment, affordability, refinance, buy-vs-rent, and others).

PMAG's product set spans the full agency stack — Conventional fixed-rate (10/15/20/30-year), ARM (3/5/7/10-year), FHA, VA (with in-house underwriting), USDA Rural Housing, Jumbo, and second mortgages — augmented by specialty down payment and closing cost assistance programs, including PHFA's Keystone Flex with K-FIT and Keystone Home Loan with Advantage, plus county- and city-specific grants for Bucks, Chester, and Montgomery Counties, the City of Philadelphia, and Upper Darby. An "award-winning lender" designation from the Pennsylvania Housing Finance Agency confers preferred access to these state-level programs targeting first-time buyers.

The business operates on a transaction-fee model, earning origination fees and rate spreads from closed loans rather than disclosed subscription or recurring fees. Go-to-market is multi-channel: an educational website and social presence for top-of-funnel activity, realtor and customer referrals for mid-funnel conversion, and direct inside/phone-based sales supported by individual advisor websites. Branch operations are anchored in Plymouth Meeting (division headquarters, NMLS ID 2843242) and Doylestown (NMLS ID 2827648), with a licensing address in Hunt Valley, Maryland. Reported scale signals include serving "thousands of homeowners" since 2007 and employing between 11 and 50 staff; revenue, loan production volume, and any external funding are not disclosed in the source materials.

Name

Philadelphia Mortgage Advisors

Legal name

Philadelphia Mortgage Advisors Group (a division of radius financial group inc.)

Website

https://phillyadvisors.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Philadelphia Mortgage Advisors Group is a multi-state residential mortgage lender originating purchase and refinance loans (Conventional, FHA, VA, USDA, PHFA, Jumbo) through 14 licensed advisors in Pennsylvania, Maryland, New Jersey, Delaware, and Florida, operating as a division of radius financial group inc.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Residential mortgage lending
• First-time homebuyer loans
• Government-backed mortgages
• Mortgage refinancing services
• Down payment assistance

Headquarters

HQ city

Plymouth Meeting

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Mortgage Origination Fees: Revenue generated from originating mortgage loans for home purchases and refinances. The company earns origination fees and interest rate spreads on closed loans.
2. PHFA and Government Program Loans: As an award-winning lender for Pennsylvania Housing Finance Agency, the company originates PHFA loans including Keystone Flex and Keystone Home Loan programs with down payment assistance options.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Philadelphia Mortgage Advisors Group is a residential mortgage lender that originates home purchase and refinance loans through a team of 14 licensed mortgage advisors across Pennsylvania, Maryland, New Jersey, Delaware, and Florida. The company offers conventional, FHA, VA, USDA, PHFA, jumbo, and adjustable-rate mortgage products, supplemented by PHFA down payment assistance programs (Keystone Flex with K-FIT and Keystone Home Loan with Advantage) and county/city first-time homebuyer grants. Customers can apply online for pre-qualification, purchase, and refinance loans and track progress through an online customer portal.

Product overview

Philadelphia Mortgage Advisors Group operates as a mortgage lending platform offering a comprehensive suite of residential mortgage products through its core lending offerings and specialized first-time homebuyer programs. The core products include Conventional Fixed Rate Loans, Adjustable Rate Mortgages (ARM), FHA Loans, VA Loans, PHFA Loans, Jumbo Loans, USDA Rural Housing Loans, and Second Mortgages, available in Pennsylvania, Maryland, New Jersey, Delaware, and Florida. Supporting these are specialized down payment and closing cost assistance programs including PHFA's Keystone Flex with K-FIT, Keystone Home Loan with Advantage, and county-specific programs for Bucks, Chester, and Montgomery Counties in Pennsylvania, plus the City of Philadelphia's Philly First Home Program and Upper Darby First-Time Buyer Program. The company also provides mortgage calculators and pre-qualification services to help borrowers research and plan their home financing.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Fixed Rate Loans Fixed-rate mortgages with consistent interest rates for the entire loan term, available in 10, 15, 20, and 30-year terms, providing predictable monthly payments for homeowners who prefer budget stability.
• Adjustable Rate Mortgage (ARM) Loans ARM loans offering low initial interest rates fixed for a specified period (3, 5, 7, or 10 years) and then adjusting annually, suitable for borrowers who do not intend to keep the mortgage long-term or seek lower initial payments.
• FHA Loans Government-backed Federal Housing Administration loans ideal for first-time homebuyers with limited cash, requiring as little as 3.5% down payment, available for purchase and refinancing of 1-4 unit owner-occupied properties with 15 and 30-year terms.
• VA Loans Loans for current and past members of active duty military and reserves featuring no or low down payments (up to 100% financing), flexible underwriting guidelines, and in-house underwriting for faster approval. Available with 15 and 30-year fixed rate terms or 3 and 5-year adjustable rate terms.
• PHFA First-Time Homebuyer Loans Pennsylvania Housing Finance Agency home purchase loans with low fixed interest rates and fees for first-time buyers and buyers in designated target areas, potentially including down payment and/or closing cost assistance loans through Keystone Flex with K-FIT and Keystone Home Loan with Advantage Second Mortgage programs.
• Jumbo Loans Mortgage programs for loan amounts exceeding conventional conforming loan limits, with options explained by mortgage advisors to help borrowers identify which jumbo mortgage fits their needs for high-value residential properties.
• USDA Rural Housing Loans USDA guaranteed rural housing loans offering 100% financing for properties in eligible rural areas, designed to help low to moderate income households purchase homes, with potential for no money out of pocket when combined with seller assistance.
• Second Mortgages Second mortgage options combined with first mortgages, offered through partners at competitive rates to help borrowers optimize their financing structure.
• Keystone Flex with K-FIT Down Payment Assistance Pennsylvania down payment and closing cost assistance program requiring only $1,000 or 1% borrower contribution, providing up to 5% of purchase price as a no-interest second loan forgiven at 10% per year over 10 years, with optional Keystone Flex Purchase and Improvement Loan up to $30,000.
• Keystone Home Loan with Advantage Second Mortgage PHFA program featuring only 3% minimum down payment with a 0% interest second mortgage of up to 4% or $6,000 (whichever is less) for down payment and closing costs, repaid over 10 years.
• Bucks County First-Time Homebuyer Program Bucks County first-time homebuyer program providing up to $10,000 as a zero interest, deferred payment mortgage for eligible first-time homebuyers with a 3% minimum borrower contribution.
• Chester County First-Time Homebuyer Program Chester County first-time homebuyer program offering a 0% interest second mortgage of up to $40,000 for home purchases for households at or below 80% median income, with repayment due when home is sold, transferred, or refinanced.
• Montgomery County First-Time Homebuyers Program Montgomery County first-time homebuyers program offering a 0% interest loan up to 10% of estimated affordable sales price not exceeding $10,000, based on household financial need, for residents who intend to occupy the property as primary residence.
• Philly First Home Program City of Philadelphia homebuyer assistance grant of up to $10,000 or 6% of home purchase price (whichever is lower) for down payment and closing costs, with funds as a lien forgiven after 15 years.
• Upper Darby First-Time Buyer Program Upper Darby first-time buyer program offering a maximum $10,000 forgivable loan for down payment assistance to qualified low-income households, with forgiveness beginning at 16.67% per year starting in year 5 through year 10.
• Mortgage Pre-Qualification Service Pre-qualification service that determines and verifies income, debt, credit, assets, and employment history, providing buyers with a pre-approval letter from a trusted local lender that is respected by realtors during home purchase negotiations.
• Mortgage Calculators Suite Collection of online financial calculators including mortgage payment, affordability, income qualification, refinance, rent vs. buy, bi-weekly payment, loan comparison, credit card payoff, and APR calculators to help borrowers research financing scenarios.

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• radius financial group inc.coreOthersPhiladelphia Mortgage Advisors is now Philadelphia Mortgage Advisors Group, a division of radius financial group inc. The partnership provides greater resources, expanded products, and technology designed to make the mortgage process smoother and more efficient. Radius serves as the parent company providing operational infrastructure, compliance, and licensing support.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Caliber Home Loans: National retail and wholesale mortgage lender owned by Newrez/New Residential. Comparable product breadth across FHA, VA, USDA, conventional, and jumbo and operates in all five PMAG-licensed states.
• Rocket Mortgage: Largest U.S. retail mortgage lender, direct-to-consumer brand with significant refinance focus. Competes with PMAG for purchase and refinance applications in PA, MD, NJ, DE, and FL, but at vastly larger scale and with a national marketing budget.
• UWM (United Wholesale Mortgage): Largest U.S. wholesale mortgage lender. While wholesale in nature, UWM sets the broker-channel pricing that directly affects retail-licensed lenders like PMAG that compete for the same loan officers and realtors.
• loanDepot: Major retail mortgage lender with multi-channel distribution (retail, wholesale, consumer direct). Operates in the same five states as PMAG with a comparable conventional/FHA/VA/Jumbo product stack, but at national scale.

Direct peers

• CrossCountry Mortgage: Large retail mortgage banker with a distributed branch/advisor model similar in shape to PMAG's 14-advisor approach. Offers conventional, FHA, VA, USDA, and down payment assistance programs and is licensed across the same Mid-Atlantic footprint.
• Guaranteed Rate: Retail mortgage lender with a national network of loan officers and a multi-product offering (conventional, FHA, VA, jumbo). Most directly comparable to PMAG in the per-advisor distribution model, with overlapping VA and FHA specialization.
• NewRez: Retail and wholesale mortgage lender with a heavy concentration in government-backed products (FHA, VA, USDA) and a servicing portfolio. Closely matches PMAG's product mix and government-program orientation.

Emerging players

• Better.com: Digital-first mortgage lender built around a self-serve POS and minimal human touch. Represents the structural competitive threat to PMAG's advisor-led model and is increasingly expanding into purchase lending in the Mid-Atlantic.

Regional players

• Planet Home Lending: Mid-sized retail and correspondent mortgage lender with a strong East Coast / Mid-Atlantic presence and a similar product mix including specialty first-time buyer programs. Direct overlap with PMAG's Pennsylvania and surrounding-state footprint.
• First Heritage Mortgage: Mid-Atlantic regional retail mortgage lender with strong Pennsylvania, Maryland, and Virginia roots and government-backed loan specialization. Most directly comparable in scale and geographic focus to PMAG.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/phillyadvisors
• Facebookfacebook.com/philadelphia-mortgage-advisors-173714629316558
• LinkedInlinkedin.com/company/844003

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Philadelphia Mortgage Advisors