Lender in Virginia · HMDA 2025
Atlantic Bay Mortgage Group, L.L.C. mortgages in Virginia
Atlantic Bay Mortgage Group, L.L.C.'s 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
Atlantic Bay Mortgage Group, L.L.C. originated 3,633 owner-occupied single-family loans in Virginia from 3,729 completed applications, making it the state's #4 lender by volume.
Its median conventional purchase loan costs were $5,880 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.625% (Virginia: 6.625%).
Loans in VA
3,633
of 3,729 applications
Denial rate
1.5%
Purchase · VA 6.9%
Rate spread
+0.23 pts
Conv. · VA +0.10 pts
Loan amount
$325,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 3,323 | 3,243 | 1.5% | 6.625% | +0.23 pts | $5,880 | $325,000 |
| Refinance | 220 | 214 | 0.9% | 6.490% | +0.10 pts | $5,700 | $375,000 |
| Cash-out refinance | 186 | 176 | 2.7% | 6.875% | +0.43 pts | $6,350 | $275,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where Atlantic Bay Mortgage Group, L.L.C. ranks in the top 25
Showing the 30 counties where it ranks highest, of 87.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Roanoke County | 1 | 182 | 11.8% |
| Roanoke city | 1 | 173 | 14.0% |
| York County | 1 | 97 | 8.7% |
| Gloucester County | 1 | 77 | 11.7% |
| Franklin County | 1 | 60 | 9.3% |
| Pulaski County | 1 | 60 | 14.1% |
| Salem city | 1 | 60 | 17.5% |
| Wythe County | 1 | 38 | 13.2% |
| Radford city | 1 | 18 | 11.5% |
| Mathews County | 1 | 16 | 12.6% |
| Galax city | 1 | 11 | 17.2% |
| James City County | 2 | 98 | 7.2% |
| Carroll County | 2 | 31 | 10.8% |
| Poquoson city | 2 | 27 | 9.0% |
| Grayson County | 2 | 13 | 9.0% |
| Williamsburg city | 2 | 8 | 7.1% |
| Newport News city | 3 | 168 | 6.8% |
| Campbell County | 3 | 38 | 5.1% |
| Botetourt County | 3 | 33 | 6.5% |
| Franklin city | 3 | 13 | 7.0% |
| Buena Vista city | 3 | 7 | 9.3% |
| Craig County | 3 | 4 | 5.5% |
| Bedford County | 4 | 50 | 4.2% |
| Rockbridge County | 4 | 13 | 5.0% |
| Floyd County | 4 | 10 | 6.6% |
| Patrick County | 4 | 7 | 5.0% |
| Charles City County | 4 | 6 | 6.5% |
| Nelson County | 4 | 6 | 3.9% |
| Charlotte County | 4 | 5 | 6.8% |
| Lexington city | 4 | 2 | 5.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology