Lender in Virginia · HMDA 2025
Atlantic Coast Mortgage, LLC mortgages in Virginia
Atlantic Coast Mortgage, LLC's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Atlantic Coast Mortgage, LLC originated 2,987 owner-occupied single-family loans in Virginia from 3,216 completed applications, making it the state's #8 lender by volume.
Its median conventional purchase loan costs were $5,750 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
2,987
of 3,216 applications
Denial rate
1.8%
Purchase · VA 6.9%
Rate spread
+0.12 pts
Conv. · VA +0.10 pts
Loan amount
$415,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 2,908 | 2,700 | 1.8% | 6.625% | +0.12 pts | $5,750 | $415,000 |
| Refinance | 207 | 193 | 1.5% | 6.125% | −0.02 pts | $5,230 | $465,000 |
| Cash-out refinance | 101 | 94 | 1.0% | 6.625% | +0.23 pts | $7,180 | $395,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Atlantic Coast Mortgage, LLC ranks in the top 25
Showing the 30 counties where it ranks highest, of 71.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Alexandria city | 2 | 98 | 5.0% |
| Falls Church city | 2 | 10 | 5.5% |
| Loudoun County | 3 | 397 | 5.5% |
| Stafford County | 3 | 160 | 5.2% |
| Fluvanna County | 3 | 29 | 5.6% |
| Clarke County | 3 | 10 | 5.3% |
| Lexington city | 3 | 2 | 5.0% |
| Fairfax County | 4 | 485 | 3.7% |
| Prince William County | 4 | 275 | 4.1% |
| Manassas city | 4 | 20 | 4.2% |
| Arlington County | 5 | 84 | 3.9% |
| Fauquier County | 5 | 61 | 5.0% |
| Culpeper County | 5 | 39 | 3.9% |
| Warren County | 5 | 30 | 4.1% |
| Fredericksburg city | 5 | 14 | 4.5% |
| Martinsville city | 5 | 6 | 4.0% |
| Spotsylvania County | 6 | 118 | 4.0% |
| Lynchburg city | 6 | 31 | 3.3% |
| Manassas Park city | 6 | 6 | 2.5% |
| Albemarle County | 7 | 41 | 2.8% |
| Campbell County | 7 | 24 | 3.2% |
| Caroline County | 7 | 24 | 2.8% |
| King George County | 7 | 20 | 3.7% |
| Charlottesville city | 7 | 13 | 4.4% |
| Greene County | 7 | 12 | 3.2% |
| Danville city | 7 | 9 | 2.8% |
| Frederick County | 8 | 64 | 3.4% |
| Orange County | 8 | 33 | 3.6% |
| Winchester city | 8 | 12 | 3.4% |
| Hopewell city | 8 | 10 | 2.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology