# ATLANTIC BAY MORTGAGE GROUP, L.L.C.

> **Canonical URL:** https://saferate.com/lenders/atlantic-bay-mortgage-group


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ATLANTIC BAY MORTGAGE GROUP, L.L.C. is a independent mortgage company, headquartered in VIRGINIA BEACH, VA, serving borrowers across 16 states, with 11,122 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 75% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 10% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300RWXUAFD1WAE410
- **Headquarters:** VIRGINIA BEACH, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 16
- **State List:** AL, DC, DE, FL, GA, IN, KY, MD, NC, NJ, PA, SC, TN, TX, VA, WV
- **Markets (MSAs):** 50
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 90/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.376%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,377
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 11,122
- **Dollar Volume:** $3.8 billion
- **Applications Received:** 13,940
- **Market Share:** 31.00%

## Typical Borrower Profile

- **Average Loan Amount:** $337,625
- **Average Borrower Income:** $137,372
- **Average Property Value:** $417,190

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (69%)
- ⭐ **FHA Gold Superstar** (69%)
- ⭐ **VA Gold Superstar** (69%)
- ⭐ **Jumbo Gold Superstar** (62%)
- ⭐ **Purchase Gold Superstar** (69%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 88/100 | 6,294 | +0.367% | $3,412 | Exceptional 🤩 |
| FHA | 89/100 | 2,689 | +0.693% | $3,555 | Exceptional 🤩 |
| VA | 88/100 | 1,719 | -0.222% | $2,954 | Exceptional 🤩 |
| Jumbo | 83/100 | 166 | +0.246% | $2,601 | Exceptional 🤩 |
| USDA | 93/100 | 254 | +0.440% | $2,987 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 5,802 loans, Score: 89/100 (Exceptional)
- Refinance: 492 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 2,558 loans, Score: 90/100 (Exceptional)
- Refinance: 131 loans, Score: 80/100 (Strong)

**VA:**
- Purchase: 1,661 loans, Score: 88/100 (Exceptional)
- Refinance: 58 loans, Score: 79/100 (Strong)

**Jumbo:**
- Purchase: 154 loans, Score: 84/100 (Exceptional)

**USDA:**
- Purchase: 254 loans, Score: 93/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 90/100 | 10,429 | $3.5B | +0.380% | Exceptional 🤩 |
| Refinance | 78/100 | 693 | $223M | +0.321% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NC | 4,640 | 3.13% | 93/100 |
| VA | 3,596 | 3.33% | 100/100 |
| GA | 883 | 0.64% | 79/100 |
| SC | 838 | 1.05% | 85/100 |
| KY | 463 | 1.00% | 79/100 |
| FL | 202 | 0.07% | 57/100 |
| MD | 190 | 0.27% | 65/100 |
| AL | 141 | 0.24% | 65/100 |
| IN | 41 | 0.04% | 48/100 |
| TN | 40 | 0.04% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Virginia Beach | VA-NC | 1,813 | 100/100 |
| Non |  | 1,638 | 79/100 |
| Charlotte | NC-SC | 1,097 | 92/100 |
| Winston | NC | 604 | 99/100 |
| Greensboro | NC | 516 | 93/100 |
| Richmond, VA | VA | 422 | 86/100 |
| Roanoke, VA | VA | 396 | 100/100 |
| Arlington | VA-WV | 391 | 79/100 |
| Wilmington, NC | NC | 351 | 93/100 |
| Atlanta | GA | 320 | 73/100 |
| Hickory | NC | 281 | 88/100 |
| Bowling Green, KY | KY | 276 | 100/100 |
| Greenville | SC | 213 | 82/100 |
| Raleigh | NC | 185 | 72/100 |
| Warner Robins, GA | GA | 173 | 91/100 |

## Where This Lender Ranks

ATLANTIC BAY MORTGAGE GROUP, L.L.C. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Winston for USDA Loans
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Winston for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Greensboro for USDA Loans
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Greensboro for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Hickory for USDA Loans
  - [View Full Rankings](https://saferate.com/hickory/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Hickory for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hickory/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Bowling Green, KY for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥇 **#1** in Warner Robins, GA for USDA Loans
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Warner Robins, GA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/warner-robins-ga/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥇 **#1** in Goldsboro, NC for USDA Loans
  - [View Full Rankings](https://saferate.com/goldsboro-nc/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Goldsboro, NC for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/goldsboro-nc/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Winston for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/winston/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Greensboro for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/greensboro/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Roanoke, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Roanoke, VA for USDA Loans
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Roanoke, VA for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/roanoke-va/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Hickory for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hickory/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Bowling Green, KY for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/bowling-green-ky/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥈 **#2** in Goldsboro, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/goldsboro-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Rocky Mount, NC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/rocky-mount-nc/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does ATLANTIC BAY MORTGAGE GROUP, L.L.C. offer?

ATLANTIC BAY MORTGAGE GROUP, L.L.C. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ATLANTIC BAY MORTGAGE GROUP, L.L.C. offer mortgages?

ATLANTIC BAY MORTGAGE GROUP, L.L.C. offers mortgages in 16 states: AL, DC, DE, FL, GA, IN, KY, MD, NC, NJ, PA, SC, TN, TX, VA, WV.

### How competitive are ATLANTIC BAY MORTGAGE GROUP, L.L.C.'s mortgage rates?

ATLANTIC BAY MORTGAGE GROUP, L.L.C. has a pricing score of 25/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.376% above market average.

### What type of lender is ATLANTIC BAY MORTGAGE GROUP, L.L.C.?

ATLANTIC BAY MORTGAGE GROUP, L.L.C. is a non-depository lender that specializes in mortgage origination, headquartered in VIRGINIA BEACH, VA.

### What is ATLANTIC BAY MORTGAGE GROUP, L.L.C.'s loan approval success rate?

ATLANTIC BAY MORTGAGE GROUP, L.L.C. has a pull-through score of 90/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/atlantic-bay-mortgage-group

### How to Cite

> "ATLANTIC BAY MORTGAGE GROUP, L.L.C. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/atlantic-bay-mortgage-group

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