Atlantic Coast Mortgage in Pennsylvania vs the state
4.1%Denial rate-14.24 pts vs state
5.0%Decision denial rate-17.21 pts vs state
71.6%Origination rate+10.66 pts vs state
6.49%Median rate-0.13 pts vs state
0.39Rate spread (pts)+0.15 pts vs state
$128kMedian applicant income
53Loans originated
3Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 36 | 24 | 16.7% | 6.49% | #521 |
| 2024 | 42 | 25 | 9.5% | 6.88% | #504 |
| 2025 | 74 | 53 | 4.1% | 6.49% | #424 |
What Atlantic Coast Mortgage lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Atlantic Coast Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Philadelphia County | 14 | 11 | 0 | 0.0% |
| Delaware County | 10 | 6 | 0 | 0.0% |
| York County | 6 | 5 | 0 | 0.0% |
| Dauphin County | 4 | 3 | 1 | 25.0% |
| Franklin County | 4 | 2 | 0 | 0.0% |
| Cumberland County | 3 | 3 | 0 | 0.0% |
| Lancaster County | 3 | 3 | 0 | 0.0% |
| Beaver County | 3 | 1 | 1 | 33.3% |
| Northampton County | 3 | 1 | 0 | 0.0% |
| Allegheny County | 3 | 0 | 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: 74 applications in 2025, of which 53 were originated and 3 denied.
4.1% of all applications, or 5.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Atlantic Coast Mortgage originated in Pennsylvania in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Atlantic Coast Mortgage'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