Atlantic Bay Mortgage Group in Maryland vs the state
1.2%Denial rate-17.57 pts vs state
1.7%Decision denial rate-22.44 pts vs state
69.6%Origination rate+13.84 pts vs state
6.49%Median rate-0.13 pts vs state
-0.02Rate spread (pts)-0.27 pts vs state
$120kMedian applicant income
169Loans originated
3Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 211 | 171 | 3.3% | 6.75% | #133 |
| 2024 | 287 | 211 | 1.7% | 6.75% | #118 |
| 2025 | 243 | 169 | 1.2% | 6.49% | #142 |
What Atlantic Bay Mortgage Group lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Atlantic Bay Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Prince George's County | 58 | 35 | 0 | 0.0% |
| Baltimore County | 38 | 20 | 3 | 7.9% |
| Montgomery County | 32 | 24 | 0 | 0.0% |
| Harford County | 22 | 19 | 0 | 0.0% |
| Anne Arundel County | 18 | 17 | 0 | 0.0% |
| Baltimore city | 15 | 8 | 0 | 0.0% |
| Charles County | 14 | 11 | 0 | 0.0% |
| Frederick County | 11 | 10 | 0 | 0.0% |
| Calvert County | 8 | 7 | 0 | 0.0% |
| Cecil County | 8 | 6 | 0 | 0.0% |
Other large lenders in Maryland
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 12,806 | 16.8% | 6.63% |
| Navy Federal Credit Union | D | 11,436 | 23.0% | 8.00% |
| United Shore Financial Services | B | 9,307 | 16.0% | 6.13% |
| Truist Bank | C | 6,559 | 34.9% | 6.49% |
| Bank of America | F | 6,051 | 35.8% | 6.24% |
| Newrez | D | 5,739 | 21.0% | 6.63% |
| State Employees Credit Union of Maryland | D | 5,624 | 44.6% | 6.25% |
| PNC Bank | D | 5,582 | 28.0% | 7.41% |
| Manufacturers and Traders Trust | C | 5,497 | 32.0% | 5.99% |
| Pennymac Loan Services | C | 5,411 | 12.4% | 6.49% |
Frequently asked questions
Maryland: 243 applications in 2025, of which 169 were originated and 3 denied.
1.2% of all applications, or 1.7% of the applications it actually decided on. The Maryland statewide average across all lenders was 18.8%.
The median rate on loans Atlantic Bay Mortgage Group originated in Maryland in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Atlantic Bay Mortgage Group's own HMDA filing for properties located in Maryland, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology