Atlantic Coast Mortgage in Maryland vs the state
1.5%Denial rate-17.33 pts vs state
1.7%Decision denial rate-22.42 pts vs state
78.2%Origination rate+22.53 pts vs state
6.63%Median rate0.00 pts vs state
0.20Rate spread (pts)-0.05 pts vs state
$149kMedian applicant income
586Loans originated
11Denied
Trend in Maryland
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 543 | 422 | 2.0% | 6.50% | #75 |
| 2024 | 671 | 529 | 1.8% | 6.63% | #71 |
| 2025 | 749 | 586 | 1.5% | 6.63% | #65 |
What Atlantic Coast Mortgage lends in Maryland
By loan purpose
By loan type
Why it denied Maryland applicants
Where in Maryland
Counties with the most Atlantic Coast Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Montgomery County | 219 | 179 | 2 | 0.9% |
| Frederick County | 115 | 86 | 1 | 0.9% |
| Prince George's County | 105 | 77 | 2 | 1.9% |
| Anne Arundel County | 40 | 33 | 1 | 2.5% |
| Baltimore County | 36 | 29 | 1 | 2.8% |
| Baltimore city | 31 | 19 | 1 | 3.2% |
| Howard County | 28 | 23 | 0 | 0.0% |
| Kent County | 22 | 16 | 0 | 0.0% |
| Charles County | 22 | 17 | 0 | 0.0% |
| Washington County | 21 | 18 | 1 | 4.8% |
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: 749 applications in 2025, of which 586 were originated and 11 denied.
1.5% 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 Coast Mortgage originated in Maryland in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Atlantic Coast Mortgage'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