What loan types does Atlantic Coast Mortgage offer?

Atlantic Coast Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does Atlantic Coast Mortgage offer mortgages?

Atlantic Coast Mortgage 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's mortgage rates?

Atlantic Coast Mortgage has an overall pricing score of 36.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Atlantic Coast Mortgage?

Atlantic Coast Mortgage is a Independent Mortgage Company headquartered in GLEN ALLEN, VA.

Unclaimed

Atlantic Coast Mortgage

Independent Mortgage Company•Glen Allen, VAHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Atlantic Coast Mortgage — 4.3k loans across 5k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Strong

4/5

Multi-Region · 23 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans

Things to Think About

Pricing may be below industry average

Explore another lender or local market

Report Card

Atlantic Coast Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+17.5 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Exceptional

Top 20% of lenders

Exceptional

Top 20% of lenders

Jumbo

Strong

Top 40% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 24 markets

Strong

Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Sound	Strong	2,793	64.9%	+0.197%Above	$2,977Fees
FHA Loans	Strong	Exceptional	Acceptable	Exceptional	690	16.0%	+0.606%Above	$3,369Fees
VA Loans	Strong	Exceptional	Acceptable	Exceptional	737	17.1%	-0.295%Below	$3,011Fees
Jumbo Loans	Sound	Strong	Sound	Strong	48	1.1%	+0.307%Above	$3,004Fees
USDA Loans	Strong	Strong	—	Strong	34	0.8%	+0.196%Above	$2,438Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume2,793

Mix64.9%

Spread

+0.197%Above

Fees

$2,977Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume690

Mix16.0%

Spread

+0.606%Above

Fees

$3,369Fees

VA Loans

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Exceptional

Volume737

Mix17.1%

Spread

-0.295%Below

Fees

$3,011Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume48

Mix1.1%

Spread

+0.307%Above

Fees

$3,004Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Strong

Volume34

Mix0.8%

Spread

+0.196%Above

Fees

$2,438Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Acceptable	Strong	4,029	93.7%	+0.189%Above	$3,032Fees
Refinance	Strong	Strong	Acceptable	Strong	273	6.3%	+0.030%Above	$2,979Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Acceptable

Pull Through

Strong

Volume4,029

Mix93.7%

Spread

+0.189%Above

Fees

$3,032Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Acceptable

Pull Through

Strong

Volume273

Mix6.3%

Spread

+0.030%Above

Fees

$2,979Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

4,302

Applications

5,294

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.175%

vs. market APOR

Avg Net Fees

$3,027

Origination − Credits

Pullthrough Rate

81.3%

Applications → Closed

Typical Borrower

Avg Loan Amount

$433,040

Avg Borrower Income

$159,467

Avg Property Value

$533,278

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

Northeast4

CTMANJPA

Midwest3

MIOHWI

South14

ALDCDEFLGALAMDNCOKSCTNTXVAWV

West2

AZCO

Top Metro Areas by Place Specialization Score

1© Billy Hathorn · CC BY-SA 3.0

Arlington, VA-WVMetro

Volume 1,682Mix 39.10% of portfolio

100/100

Exceptional

2© Greyfiveys · CC BY-SA 4.0

Virginia Beach, VA-NCMetro

Volume 493Mix 11.46% of portfolio

86/100

Exceptional

3© Preservation Maryland · CC BY-SA 2.0

Frederick, MDMetro

Volume 222Mix 5.16% of portfolio

86/100

Exceptional

Washington, DC, DC-MDMetro

Volume 199Mix 4.63% of portfolio

80/100

Exceptional

Charleston, SCMetro

Volume 173Mix 4.02% of portfolio

80/100

Exceptional

Charlottesville, VAMetro

Volume 84Mix 1.95% of portfolio

80/100

Strong

Richmond, VAMetro

Volume 209Mix 4.86% of portfolio

79/100

Strong

Lynchburg, VAMetro

Volume 95Mix 2.21% of portfolio

79/100

Strong

Winchester, VA, VA-WVMetro

Volume 61Mix 1.42% of portfolio

77/100

Strong

Hagerstown, MD-WVMetro

Volume 100Mix 2.32% of portfolio

76/100

Strong

Showing 10 of 23 metro areas

Top States by Place Specialization Score

VirginiaState

Volume 2,726Mix 63.37% of portfolio

99/100

Exceptional

MarylandState

Volume 488Mix 11.34% of portfolio

78/100

Strong

West VirginiaState

Volume 193Mix 4.49% of portfolio

78/100

Strong

Washington, DCState

Volume 121Mix 2.81% of portfolio

77/100

Strong

South CarolinaState

Volume 256Mix 5.95% of portfolio

73/100

Strong

North CarolinaState

Volume 399Mix 9.27% of portfolio

71/100

Strong

FloridaState

Volume 35Mix 0.81% of portfolio

42/100

Sound

DelawareState

Volume 12Mix 0.28% of portfolio

41/100

Sound

PennsylvaniaState

Volume 19Mix 0.44% of portfolio

40/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.