PATRIOT
PATRIOT received 1,109 applications in 2025 and made 700 mortgages, in 35 counties across 7 states. The median rate its borrowers got was 4.990% on a median loan of $65,000. Of 1,008 decisions, 282 were denials — 28.0%, most often for credit history.
| Legal Entity Identifier | 549300IWSSP83SNIPE63 |
|---|---|
| Applications received | 1,109 |
| Mortgages made | 700 |
| Denied | 282 |
| Approved, not taken up | 26 |
| Withdrawn or incomplete | 101 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -2.21 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 73 | 6.125% | $175,000 | 18.8% |
| Refinancing | 169 | 4.990% | $85,000 | 22.8% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 458 | 4.990% | $55,000 | 30.9% |
Where PATRIOT lends most
The 35 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, PA | 417 | 4.990% | 27.0% |
| Washington County, MD | 104 | 4.990% | 28.1% |
| Frederick County, MD | 47 | 4.990% | 32.9% |
| Berkeley County, WV | 38 | 4.990% | 36.1% |
| Cumberland County, PA | 25 | 4.990% | 34.2% |
| Adams County, PA | 15 | 4.990% | 28.6% |
| Fulton County, PA | 9 | Under 10 loans | 30.8% |
| Jefferson County, WV | 7 | Under 10 loans | 22.2% |
| Morgan County, WV | 6 | Under 10 loans | 0.0% |
| Carroll County, MD | 5 | Under 10 loans | 16.7% |
| Montgomery County, MD | 4 | Under 10 loans | 0.0% |
| Bedford County, PA | 3 | Under 10 loans | 0.0% |
| Blair County, PA | 2 | Under 10 loans | 0.0% |
| Huntingdon County, PA | 2 | Under 10 loans | 0.0% |
| York County, PA | 2 | Under 10 loans | 50.0% |
| Frederick County, VA | 2 | Under 10 loans | 0.0% |
| Loudoun County, VA | 2 | Under 10 loans | 0.0% |
| Harford County, MD | 1 | Under 10 loans | 50.0% |
| Worcester County, MD | 1 | Under 10 loans | 0.0% |
| Allegheny County, PA | 1 | Under 10 loans | 0.0% |
| Clinton County, PA | 1 | Under 10 loans | 0.0% |
| Dauphin County, PA | 1 | Under 10 loans | 50.0% |
| Lawrence County, PA | 1 | Under 10 loans | 0.0% |
| Mifflin County, PA | 1 | Under 10 loans | 0.0% |
| Fairfax County, VA | 1 | Under 10 loans | 0.0% |
| Chesapeake city, VA | 1 | Under 10 loans | 0.0% |
| Hampshire County, WV | 1 | Under 10 loans | 0.0% |
| San Diego County, CA | 0 | Under 10 loans | Not published |
| District of Columbia, DC | 0 | Under 10 loans | 100.0% |
| Allegany County, MD | 0 | Under 10 loans | 0.0% |
| Dorchester County, MD | 0 | Under 10 loans | 100.0% |
| St. Mary's County, MD | 0 | Under 10 loans | Not published |
| Baltimore city, MD | 0 | Under 10 loans | Not published |
| Harrison County, OH | 0 | Under 10 loans | Not published |
| Perry County, PA | 0 | Under 10 loans | 100.0% |
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When PATRIOT’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.