Lender in North Carolina · HMDA 2025
Atlantic Bay Mortgage Group, L.L.C. mortgages in North Carolina
Atlantic Bay Mortgage Group, L.L.C.'s 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
Atlantic Bay Mortgage Group, L.L.C. originated 4,554 owner-occupied single-family loans in North Carolina from 4,675 completed applications, making it the state's #6 lender by volume.
Its median conventional purchase loan costs were $6,260 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
4,554
of 4,675 applications
Denial rate
1.0%
Purchase · NC 7.6%
Rate spread
+0.25 pts
Conv. · NC +0.04 pts
Loan amount
$295,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 4,212 | 4,116 | 1.0% | 6.625% | +0.25 pts | $6,260 | $295,000 |
| Refinance | 256 | 243 | 3.1% | 6.375% | +0.02 pts | $5,240 | $375,000 |
| Cash-out refinance | 207 | 195 | 4.3% | 6.750% | +0.27 pts | $6,810 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where Atlantic Bay Mortgage Group, L.L.C. ranks in the top 25
Showing the 30 counties where it ranks highest, of 76.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Davidson County | 1 | 322 | 11.5% |
| Burke County | 2 | 121 | 12.2% |
| Stokes County | 2 | 41 | 6.6% |
| Halifax County | 2 | 32 | 13.2% |
| Forsyth County | 3 | 294 | 5.1% |
| New Hanover County | 3 | 157 | 4.7% |
| Randolph County | 3 | 151 | 8.3% |
| Surry County | 3 | 55 | 7.7% |
| Alexander County | 3 | 33 | 9.0% |
| Yadkin County | 3 | 29 | 7.5% |
| Guilford County | 4 | 327 | 5.0% |
| Rockingham County | 4 | 71 | 5.3% |
| Rutherford County | 4 | 56 | 8.1% |
| Davie County | 4 | 36 | 5.0% |
| McDowell County | 4 | 30 | 6.6% |
| Beaufort County | 4 | 18 | 4.2% |
| Alleghany County | 4 | 11 | 8.7% |
| Pamlico County | 4 | 10 | 5.9% |
| Northampton County | 4 | 4 | 4.5% |
| Mecklenburg County | 5 | 686 | 3.9% |
| Buncombe County | 5 | 168 | 5.6% |
| Catawba County | 5 | 135 | 4.8% |
| Pitt County | 5 | 112 | 5.0% |
| Wayne County | 5 | 99 | 6.0% |
| Caldwell County | 5 | 48 | 4.6% |
| Jones County | 5 | 7 | 6.0% |
| Henderson County | 6 | 82 | 4.7% |
| Madison County | 6 | 8 | 4.2% |
| Perquimans County | 6 | 8 | 4.1% |
| Warren County | 6 | 7 | 5.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology