Atlantic Bay Mortgage Group, L.L.C. mortgage approval rate & lending review
Atlantic Bay Mortgage Group, L.L.C. decided 25,946 mortgage applications and funded 25,208 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Atlantic Bay Mortgage Group, L.L.C. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to atlanticbay.com.
Atlantic Bay Mortgage Group, L.L.C. at a glance
Approval is 11.6 points above the 86.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 98% | 22,781 / 23,144 | 99% | $285K | 22,570 |
| Cash-out refinance | 92% | 762 / 827 | 98% | $265K | 748 |
| Refinance | 97% | 765 / 787 | 98% | $385K | 751 |
| Investment property purchase | 98% | 1,007 / 1,031 | 99% | $255K | 993 |
| Investment cash-out refinance | 93% | 112 / 121 | 98% | $165K | 110 |
| Investment refinance | 100% | 36 / 36 | 100% | $265K | 36 |
Atlantic Bay Mortgage Group, L.L.C. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| North Carolina | 99% | $235K | 12,774 | 12,462 |
| Virginia | 98% | $335K | 6,216 | 6,069 |
| Georgia | 98% | $375K | 2,191 | 2,121 |
| South Carolina | 96% | $265K | 2,124 | 2,035 |
| Kentucky | 99% | $255K | 784 | 770 |
| Florida | 96% | $325K | 549 | 522 |
| Maryland | 96% | $405K | 496 | 469 |
| Alabama | 95% | $225K | 406 | 378 |
| Indiana | 93% | $245K | 99 | 92 |
| Tennessee | 99% | $315K | 94 | 90 |
| Pennsylvania | 97% | $245K | 64 | 62 |
| District of Columbia | 98% | $545K | 62 | 60 |
| Texas | 97% | $315K | 36 | 35 |
| Delaware | 87% | $365K | 31 | 26 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Atlantic Bay Mortgage Group, L.L.C. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Mecklenburg County, NC | Mortgage lenders | 99% | 1,721 | 1,682 |
| Guilford County, NC | Mortgage lenders | 99% | 1,227 | 1,206 |
| Virginia Beach city, VA | Mortgage lenders | 98% | 1,201 | 1,176 |
| Davidson County, NC | Mortgage lenders | 99% | 1,078 | 1,062 |
| Forsyth County, NC | Mortgage lenders | 99% | 910 | 890 |
| Chesapeake city, VA | Mortgage lenders | 98% | 886 | 854 |
| Newport News city, VA | Mortgage lenders | 98% | 652 | 638 |
| Warren County, KY | Mortgage lenders | 100% | 640 | 634 |
| Norfolk city, VA | Mortgage lenders | 99% | 603 | 586 |
| Randolph County, NC | Mortgage lenders | 99% | 525 | 513 |
| Catawba County, NC | Mortgage lenders | 99% | 501 | 493 |
| Wayne County, NC | Mortgage lenders | 98% | 503 | 493 |
The county markets where Atlantic Bay Mortgage Group, L.L.C. made the most loans. Each link opens that market with every lender ranked.
Questions about Atlantic Bay Mortgage Group, L.L.C.
What is Atlantic Bay Mortgage Group, L.L.C.'s mortgage approval rate?
Atlantic Bay Mortgage Group, L.L.C. approved 98.1% of the 25,946 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points above the 86.6% national rate for the same mix of loan types.
How often do borrowers take the loan Atlantic Bay Mortgage Group, L.L.C. offers?
Borrowers accepted 99% of the loans Atlantic Bay Mortgage Group, L.L.C. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Atlantic Bay Mortgage Group, L.L.C. make?
The typical home purchase mortgage loan Atlantic Bay Mortgage Group, L.L.C. made was $285K; across all loan types its typical loan ran from $165K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Atlantic Bay Mortgage Group, L.L.C. lend?
Atlantic Bay Mortgage Group, L.L.C. decided applications in 16 of the states Fat Boy Data covers, most of them in North Carolina, Virginia and Georgia.
Can I apply to Atlantic Bay Mortgage Group, L.L.C. directly?
Yes. Atlantic Bay Mortgage Group, L.L.C. reports as a direct lender that takes applications from borrowers. Its website is atlanticbay.com.
Does this page show Atlantic Bay Mortgage Group, L.L.C.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Atlantic Bay Mortgage Group, L.L.C. treats applications, then get a rate quote from the lender.