Steve Cowen - NMLS ID #206679

Steve Cowen - NMLS ID #206679 Steve Cowen has been in the lending business since 1988. In 1998, he helped start and build a mortgage platform for a local community bank.

With over 33 years of experience in the lending industry, I am the SVP, Director of Mortgage Banking at BCT - Bank of Charles Town, a community bank that offers personalized and innovative banking services. After over 15 years with that firm, he joined Atlantic Coast Mortgage. ACM is an independent mortgage company founded in 2012 with a mission to provide the very best service available in the ma

rket while utilizing some of the best talent in the area in an effort to provide the best financing solutions in the business. Cowen lives in Leesburg with his wife and two children. Steve is an assistant coach on his son’s travel baseball team, the Loudoun Aces Blue 10U team and is on the board of directors for the Loudoun Aces. Atlantic Coast Mortgage, LLC
20365 Exchange Street, suite 300
Ashburn, VA 20147
Branch NMLS ID 1167353

Atlantic Coast Mortgage LLC is licensed by the VA SCC (MC-5560) Company NMLS 643114 (www.nmlsconsumeraccess.org) Equal Housing Lender

Some improvement in mortgage rates this past week.Read more here: www.potomac.bank/cowens-corner-mortgage-market-update-...
04/13/2026

Some improvement in mortgage rates this past week.

Read more here: www.potomac.bank/cowens-corner-mortgage-market-update-you-get-what-you-pay-for-and-a-better-week-for-rates/

Mortgage Market Update: This week, Steve Cowen - NMLS ID #206679 shares a homeowner lesson, highlights a unique lending opportunity for future income borrowers, and breaks down why mortgage rates improved this past week.

Read more: www.potomac.bank/cowens-corner-mortgage-market-update-you-get-what-you-pay-for-and-a-better-week-for-rates/

A little March Madness nostalgia and a look at a tougher week for mortgage rates. Read more: https://www.potomac.bank/co...
03/23/2026

A little March Madness nostalgia and a look at a tougher week for mortgage rates. Read more: https://www.potomac.bank/cowens-corner-mortgage-market-update-march-memories-and-a-shift-in-the-market/

BLOG: This week, Steve Cowen - NMLS ID #206679 reflects on a March Madness memory, breaks down a tough week for mortgage rates, and shares what the current market shift could mean moving forward.

Read more: https://www.potomac.bank/cowens-corner-mortgage-market-update-march-memories-and-a-shift-in-the-market/

03/16/2026

BLOG: This week, Steve Cowen - NMLS ID #206679 shares a late-night story from Casa de Cowen and provides an update on the factors keeping mortgage rates choppy.

My weekly blog contains a quick vacation story, a thank you to our partners, and a look at what is really happening with...
03/02/2026

My weekly blog contains a quick vacation story, a thank you to our partners, and a look at what is really happening with rates.

Link to the full blog here: https://www.potomac.bank/cowens-corner-mortgage-market-update-vacation-lessons-and-a-market-in-a-tight-range/

BLOG: This week, Steve Cowen - NMLS ID #206679 shares a vacation story from Florida, reflects on a strong year with referral partners, and breaks down what the latest rate headlines really mean.

Read the full blog here: https://www.potomac.bank/cowens-corner-mortgage-market-update-vacation-lessons-and-a-market-in-a-tight-range/

Proud of this team and their hard work
02/10/2026

Proud of this team and their hard work

Every number represents a family, a milestone, and a new beginning. In 2025, our Potomac Bank Residential Lending team helped 195 families and funded $95+ million in home loans across the communities we’re proud to call home!

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Ashburn, VA
20147

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+17039285714

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