# Atlantic Coast Mortgage, LLC

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


> **📋 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 Coast Mortgage, LLC is a independent mortgage company, headquartered in GLEN ALLEN, VA, serving borrowers across 23 states, with 4,302 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 16% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 54930095UWUUXAWASB02
- **Headquarters:** GLEN ALLEN, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 23
- **State List:** AL, AZ, CO, CT, DC, DE, FL, GA, LA, MA, MD, MI, NC, NJ, OH, OK, PA, SC, TN, TX, VA, WI, WV
- **Markets (MSAs):** 24
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.175%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,027
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,302
- **Dollar Volume:** $1.9 billion
- **Applications Received:** 5,294
- **Market Share:** 12.00%

## Typical Borrower Profile

- **Average Loan Amount:** $433,040
- **Average Borrower Income:** $159,467
- **Average Property Value:** $533,278

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (69%)
- ⭐ **VA Gold Superstar** (69%)
- ⭐ **Jumbo Gold Superstar** (63%)
- ⭐ **Purchase Gold Superstar** (62%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 2,793 | +0.197% | $2,977 | Exceptional 🤩 |
| FHA | 80/100 | 690 | +0.606% | $3,369 | Exceptional 🤩 |
| VA | 84/100 | 737 | -0.295% | $3,011 | Exceptional 🤩 |
| Jumbo | 73/100 | 48 | +0.307% | $3,004 | Strong 😀 |
| USDA | 79/100 | 34 | +0.196% | $2,438 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,590 loans, Score: 80/100 (Exceptional)
- Refinance: 203 loans, Score: 69/100 (Strong)

**FHA:**
- Purchase: 656 loans, Score: 81/100 (Exceptional)
- Refinance: 34 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 706 loans, Score: 84/100 (Exceptional)
- Refinance: 31 loans, Score: 76/100 (Strong)

**Jumbo:**
- Purchase: 43 loans, Score: 74/100 (Strong)

**USDA:**
- Purchase: 34 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 82/100 | 4,029 | $1.7B | +0.189% | Exceptional 🤩 |
| Refinance | 69/100 | 273 | $123M | +0.030% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 2,726 | 2.53% | 99/100 |
| MD | 488 | 0.69% | 78/100 |
| NC | 399 | 0.27% | 71/100 |
| SC | 256 | 0.32% | 73/100 |
| WV | 193 | 1.25% | 78/100 |
| DC | 121 | 2.11% | 77/100 |
| FL | 35 | 0.01% | 42/100 |
| PA | 19 | 0.02% | 40/100 |
| DE | 12 | 0.08% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Arlington | VA-WV | 1,682 | 100/100 |
| Virginia Beach | VA-NC | 493 | 86/100 |
| Non |  | 318 | 62/100 |
| Frederick | MD | 222 | 86/100 |
| Richmond, VA | VA | 209 | 79/100 |
| Washington, DC | DC-MD | 199 | 80/100 |
| Charlotte | NC-SC | 186 | 72/100 |
| Charleston | SC | 173 | 80/100 |
| Baltimore | MD | 124 | 67/100 |
| Hagerstown | MD-WV | 100 | 76/100 |
| Lynchburg, VA | VA | 95 | 79/100 |
| Charlottesville, VA | VA | 84 | 80/100 |
| Winchester, VA | VA-WV | 61 | 77/100 |
| Winston | NC | 58 | 64/100 |
| Greensboro | NC | 22 | 49/100 |

## Where This Lender Ranks

Atlantic Coast Mortgage, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Virginia Beach for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Arlington for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Frederick for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥈 **#2** in Washington, DC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Virginia for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Arlington for USDA Loans
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/usda-loans)
- 🥉 **#3** in Arlington for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🥉 **#3** in Charleston for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charleston/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Washington DC for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Hagerstown for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Winchester, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Winchester, VA for Conventional Loans
  - [View Full Rankings](https://saferate.com/winchester-va/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Virginia Beach for Conventional Loans
  - [View Full Rankings](https://saferate.com/virginia-beach/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Charlottesville, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#5** in Harrisonburg, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Arlington for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#6** in West Virginia for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Charleston for Jumbo Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/charleston/best-mortgage-lenders/mortgage-companies/jumbo-loans)
- 🏆 **#6** in Lynchburg, VA for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/lynchburg-va/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#6** in Charlottesville, VA for FHA Loans
  - [View Full Rankings](https://saferate.com/charlottesville-va/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Atlantic Coast Mortgage, LLC offer?

Atlantic Coast Mortgage, LLC 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 Coast Mortgage, LLC offer mortgages?

Atlantic Coast Mortgage, LLC offers mortgages in 23 states: AL, AZ, CO, CT, DC, DE, FL, GA, LA, MA, MD, MI, NC, NJ, OH, OK, PA, SC, TN, TX, VA, WI, WV.

### How competitive are Atlantic Coast Mortgage, LLC's mortgage rates?

Atlantic Coast Mortgage, LLC has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.175% above market average.

### What type of lender is Atlantic Coast Mortgage, LLC?

Atlantic Coast Mortgage, LLC is a non-depository lender that specializes in mortgage origination, headquartered in GLEN ALLEN, VA.

### What is Atlantic Coast Mortgage, LLC's loan approval success rate?

Atlantic Coast Mortgage, LLC has a pull-through score of 84/100 (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-coast-mortgage

### How to Cite

> "Atlantic Coast Mortgage, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/atlantic-coast-mortgage

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