Atlantic Bay Mortgage Group in Pennsylvania vs the state
4.8%Denial rate-13.53 pts vs state
6.7%Decision denial rate-15.54 pts vs state
66.7%Origination rate+5.71 pts vs state
6.50%Median rate-0.13 pts vs state
0.33Rate spread (pts)+0.09 pts vs state
$129kMedian applicant income
14Loans originated
1Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 24 | 18 | 4.2% | 6.99% | #574 |
| 2024 | 45 | 33 | 0.0% | 6.88% | #496 |
| 2025 | 21 | 14 | 4.8% | 6.50% | #596 |
What Atlantic Bay Mortgage Group lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Atlantic Bay Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| York County | 7 | 6 | 0 | 0.0% |
| Lancaster County | 5 | 2 | 0 | 0.0% |
| Philadelphia County | 3 | 1 | 1 | 33.3% |
| Allegheny County | 2 | 1 | 0 | 0.0% |
| Fayette County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| McKean County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 21 applications in 2025, of which 14 were originated and 1 denied.
4.8% of all applications, or 6.7% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Atlantic Bay Mortgage Group originated in Pennsylvania in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Atlantic Bay Mortgage Group's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology