Atlantic Coast Mortgage, LLC: 2025 mortgage rates, costs & approvals
How Atlantic Coast Mortgage, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: Atlantic Coast Mortgage, LLC · LEI 54930095UWUUXAWASB02
In 2025, Atlantic Coast Mortgage, LLC originated 4,768 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 34 states — 135th 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 in line with the national median. Median conventional loan costs were $5,780, 4% higher than the national median ($5,570).
It denied 1.9% of completed home-purchase applications (all lenders: 8.5%).
How Atlantic Coast Mortgage, LLC priced home-purchase loans
| Purchase loans, 2025 | Atlantic Coast Mortgage, LLC | 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 | +0.16 pts | +0.13 pts |
| Total loan costs · conventional | $5,780 | $5,570 |
| Total loan costs · FHA | $12,750 | $11,310 |
| Total loan costs · VA | $10,990 | $6,490 |
| Origination charges (all types) | $2,160 | $1,860 |
| Borrowers paying discount points | 54.2% | 51.3% |
| Points paid, when paid (% of loan) | 0.75% | 0.87% |
| Borrowers receiving lender credits | 21.3% | 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 Coast Mortgage, LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Atlantic Coast Mortgage, LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Virginia | 2,987 | 3,216 | 1.8% | 6.625% | $5,750 |
| Maryland | 525 | 577 | 1.6% | 6.625% | $6,150 |
| North Carolina | 452 | 489 | 0.4% | 6.750% | $4,890 |
| South Carolina | 280 | 309 | 2.5% | 6.625% | $6,180 |
| West Virginia | 215 | 243 | 5.0% | 6.490% | $5,600 |
| District of Columbia | 132 | 145 | 1.6% | 6.625% | $6,460 |
| Florida | 42 | 47 | 2.3% | 6.625% | $6,660 |
| Pennsylvania | 39 | 44 | 7.3% | 6.375% | — |
| Illinois | 11 | 14 | — | — | — |
| Delaware | 10 | 11 | — | — | — |
| Georgia | 10 | 11 | — | — | — |
| Texas | 8 | 12 | — | — | — |
| Tennessee | 8 | 11 | — | — | — |
| New Jersey | 7 | 9 | — | — | — |
| Ohio | 5 | 7 | — | — | — |
| Michigan | 5 | 5 | — | — | — |
| Arizona | 4 | 4 | — | — | — |
| Colorado | 4 | 4 | — | — | — |
| Alabama | 3 | 3 | — | — | — |
| Mississippi | 3 | 3 | — | — | — |
| Washington | 3 | 3 | — | — | — |
| Idaho | 2 | 2 | — | — | — |
| Louisiana | 2 | 2 | — | — | — |
| Massachusetts | 2 | 2 | — | — | — |
| Oregon | 2 | 2 | — | — | — |
| Arkansas | 1 | 1 | — | — | — |
| Connecticut | 1 | 1 | — | — | — |
| Iowa | 1 | 1 | — | — | — |
| Kansas | 1 | 1 | — | — | — |
| Oklahoma | 1 | 1 | — | — | — |
| Vermont | 1 | 1 | — | — | — |
| Wisconsin | 1 | 1 | — | — | — |
| Minnesota | 0 | 2 | — | — | — |
| California | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Atlantic Coast Mortgage, LLC's page for that state.
Counties where Atlantic Coast Mortgage, LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County, WV | 4 | 112 | 6.3% |
| Kent County, MD | 2 | 15 | 6.3% |
| Fluvanna County, VA | 3 | 29 | 5.6% |
| Loudoun County, VA | 3 | 397 | 5.5% |
| Falls Church city, VA | 2 | 10 | 5.5% |
| Clarke County, VA | 3 | 10 | 5.3% |
| Stafford County, VA | 3 | 160 | 5.2% |
| Fauquier County, VA | 5 | 61 | 5.0% |
| Lexington city, VA | 3 | 2 | 5.0% |
| Alexandria city, VA | 2 | 98 | 5.0% |
| Currituck County, NC | 4 | 35 | 4.7% |
| Fredericksburg city, VA | 5 | 14 | 4.5% |
| Charlottesville city, VA | 7 | 13 | 4.4% |
| Dare County, NC | 8 | 23 | 4.3% |
| Manassas city, VA | 4 | 20 | 4.2% |
Check Atlantic Coast Mortgage, LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 54930095UWUUXAWASB02.
- 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 Coast Mortgage, LLC 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