Atlantic Bay Mortgage Group, L.L.C.: 2025 mortgage rates, costs & approvals
How Atlantic Bay Mortgage Group, L.L.C. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: ATLANTIC BAY MORTGAGE GROUP, L.L.C. · LEI 549300RWXUAFD1WAE410
In 2025, Atlantic Bay Mortgage Group, L.L.C. originated 10,466 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 16 states — 55th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 10 basis points above the national median. Median conventional loan costs were $6,100, 10% higher than the national median ($5,570).
It denied 1.5% of completed home-purchase applications (all lenders: 8.5%).
How Atlantic Bay Mortgage Group, L.L.C. priced home-purchase loans
| Purchase loans, 2025 | Atlantic Bay Mortgage Group, L.L.C. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.490% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | 5.990% | 5.875% |
| Rate spread vs. APOR · conventional | +0.24 pts | +0.13 pts |
| Total loan costs · conventional | $6,100 | $5,570 |
| Total loan costs · FHA | $11,010 | $11,310 |
| Total loan costs · VA | $8,450 | $6,490 |
| Origination charges (all types) | $3,050 | $1,860 |
| Borrowers paying discount points | 62.0% | 51.3% |
| Points paid, when paid (% of loan) | 0.99% | 0.87% |
| Borrowers receiving lender credits | 15.5% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Atlantic Bay Mortgage Group, L.L.C. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Atlantic Bay Mortgage Group, L.L.C. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| North Carolina | 4,554 | 4,675 | 1.0% | 6.625% | $6,260 |
| Virginia | 3,633 | 3,729 | 1.5% | 6.625% | $5,880 |
| South Carolina | 743 | 777 | 3.1% | 6.750% | $5,790 |
| Georgia | 612 | 633 | 2.1% | 6.625% | $6,320 |
| Kentucky | 335 | 343 | 1.7% | 6.625% | $5,990 |
| Florida | 164 | 171 | 2.7% | 6.625% | $7,200 |
| Maryland | 153 | 161 | 1.4% | 6.625% | $5,680 |
| Alabama | 115 | 117 | 1.8% | 6.875% | $5,260 |
| Tennessee | 53 | 55 | 2.2% | 6.625% | $4,610 |
| Indiana | 45 | 46 | 0.0% | 6.625% | $3,710 |
| District of Columbia | 26 | 27 | 4.3% | — | — |
| Pennsylvania | 13 | 14 | — | — | — |
| Delaware | 7 | 7 | — | — | — |
| Texas | 7 | 7 | — | — | — |
| West Virginia | 4 | 4 | — | — | — |
| New Jersey | 2 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Atlantic Bay Mortgage Group, L.L.C.'s page for that state.
Counties where Atlantic Bay Mortgage Group, L.L.C. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Salem city, VA | 1 | 60 | 17.5% |
| Galax city, VA | 1 | 11 | 17.2% |
| Pulaski County, VA | 1 | 60 | 14.1% |
| Roanoke city, VA | 1 | 173 | 14.0% |
| Halifax County, NC | 2 | 32 | 13.2% |
| Wythe County, VA | 1 | 38 | 13.2% |
| Mathews County, VA | 1 | 16 | 12.6% |
| Burke County, NC | 2 | 121 | 12.2% |
| Roanoke County, VA | 1 | 182 | 11.8% |
| Gloucester County, VA | 1 | 77 | 11.7% |
| Davidson County, NC | 1 | 322 | 11.5% |
| Radford city, VA | 1 | 18 | 11.5% |
| Carroll County, VA | 2 | 31 | 10.8% |
| Buena Vista city, VA | 3 | 7 | 9.3% |
| Franklin County, VA | 1 | 60 | 9.3% |
Check Atlantic Bay Mortgage Group, L.L.C. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300RWXUAFD1WAE410.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Atlantic Bay Mortgage Group, L.L.C. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology