Atlantic Stewardship Bank Mortgage Rates, Fees & Info
Midland Park, NJLEI: 5493003CJTOY2FH5V515
Tax ID: 22-2499582
Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
Jump to:
Mortgage Data
Review & Overview
Atlantic Stewardship Bank is a smaller bank specializing in Home Purchase and Refi loans. Atlantic Stewardship Bank has a high proportion of conventional loans. Their top two markets are New York and Ocean City .Atlantic Stewardship Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
Originations
81Origination Dollar Volume (All Markets)
$29,245,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 80 | $29,160,000 | $364,500 | $0 | 0.00% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 0.00% |
Their top states include:
Similar Lenders
We use machine learning to identify the top lenders compared against Atlantic Stewardship Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
Similarity Rank: 55
Similarity Rank: 63
Similarity Rank: 66
Similarity Rank: 80
Similarity Rank: 120
Similarity Rank: 120
Similarity Rank: 125
Similarity Rank: 156
Similarity Rank: 231
Similarity Rank: 248
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 81 | $29,245,000 | $361,049 | $0 | 0.00% |
For 2018, Atlantic Stewardship Bank's most frequently originated type of loan was Conventional, with 81 originations.
Loan Reason
For 2018, Atlantic Stewardship Bank's most frequently cited loan purpose was Home Purchase, with 25 originations. The 2nd most popular reason was Refi, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 81 | $29,245,000 | $361,049 | $0 | 0.00% |
For 2018, Atlantic Stewardship Bank's most frequently cited loan duration was Other, with 81 originations.
Loan Sizing
2018 saw Atlantic Stewardship Bank place emphasis on $100,000 or less loans with 25 originations, totaling $1,375,000 in origination value.
Applicant Income
Atlantic Stewardship Bank lent most frequently to those with incomes in the $150k-250k range, with 18 originations. The second most popular income band? $100k-150k, with 14 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 81 | $29,245,000 | $361,049 | $0 | 0.00% |
Atlantic Stewardship Bank lent most frequently to those with DTI ratios of Exempt%, with 81 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications76.27%
Atlantic Stewardship Bank has a below average approval rate.
Pick Rate
Approvals leading to origination51.85%
Atlantic Stewardship Bank has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 81 | $29,245,000 | $361,049 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 8 | $12,470,000 | $1,558,750 |
| Single Family (1-4 Units):Site-Built | 73 | $16,775,000 | $229,795 |
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Atlantic Union Bankshares, Inc. | Other type of mortgage | Trouble during payment process | 1 | 50.0% |
| Atlantic Union Bankshares, Inc. | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |