Atlantic Coast Mortgage, LLC mortgage approval rate & lending review
Atlantic Coast Mortgage, LLC decided 11,513 mortgage applications and funded 10,874 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Atlantic Coast Mortgage, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to atlanticcoastmortgage.com.
Atlantic Coast Mortgage, LLC at a glance
Approval is 11.3 points above the 86.5% 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% | 9,812 / 10,020 | 97% | $425K | 9,516 |
| Cash-out refinance | 96% | 268 / 278 | 94% | $495K | 252 |
| Refinance | 98% | 457 / 464 | 94% | $485K | 431 |
| Investment property purchase | 98% | 599 / 614 | 94% | $255K | 565 |
| Investment cash-out refinance | 86% | 48 / 56 | 90% | $255K | 43 |
| Investment refinance | 87% | 45 / 52 | 96% | $215K | 43 |
Atlantic Coast Mortgage, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 98% | $475K | 6,832 | 6,529 |
| Maryland | 98% | $425K | 1,462 | 1,366 |
| North Carolina | 98% | $285K | 1,182 | 1,108 |
| South Carolina | 96% | $315K | 872 | 809 |
| District of Columbia | 96% | $535K | 411 | 380 |
| West Virginia | 97% | $275K | 253 | 236 |
| Florida | 95% | $345K | 165 | 151 |
| Pennsylvania | 91% | $305K | 108 | 90 |
| Delaware | 98% | $335K | 45 | 44 |
| Texas | 93% | $275K | 30 | 25 |
| Georgia | 96% | $375K | 24 | 20 |
| Tennessee | 95% | $445K | 21 | 18 |
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 Coast Mortgage, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Fairfax County, VA | Mortgage lenders | 99% | 1,295 | 1,242 |
| Loudoun County, VA | Mortgage lenders | 99% | 1,064 | 1,034 |
| Prince William County, VA | Mortgage lenders | 99% | 697 | 674 |
| Stafford County, VA | Mortgage lenders | 98% | 420 | 403 |
| Montgomery County, MD | Mortgage lenders | 98% | 383 | 364 |
| Spotsylvania County, VA | Mortgage lenders | 98% | 365 | 343 |
| Virginia Beach city, VA | Mortgage lenders | 99% | 352 | 341 |
| Mecklenburg County, NC | Mortgage lenders | 98% | 287 | 269 |
| Chesapeake city, VA | Mortgage lenders | 97% | 277 | 263 |
| Alexandria city, VA | Mortgage lenders | 98% | 272 | 262 |
| Arlington County, VA | Mortgage lenders | 98% | 227 | 219 |
| Charleston County, SC | Mortgage lenders | 97% | 230 | 214 |
The county markets where Atlantic Coast Mortgage, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Atlantic Coast Mortgage, LLC
What is Atlantic Coast Mortgage, LLC's mortgage approval rate?
Atlantic Coast Mortgage, LLC approved 97.8% of the 11,513 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.3 points above the 86.5% national rate for the same mix of loan types.
How often do borrowers take the loan Atlantic Coast Mortgage, LLC offers?
Borrowers accepted 97% of the loans Atlantic Coast Mortgage, LLC 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 Coast Mortgage, LLC make?
The typical home purchase mortgage loan Atlantic Coast Mortgage, LLC made was $425K; across all loan types its typical loan ran from $215K to $495K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Atlantic Coast Mortgage, LLC lend?
Atlantic Coast Mortgage, LLC decided applications in 33 of the states Fat Boy Data covers, most of them in Virginia, Maryland and North Carolina.
Can I apply to Atlantic Coast Mortgage, LLC directly?
Yes. Atlantic Coast Mortgage, LLC reports as a direct lender that takes applications from borrowers. Its website is atlanticcoastmortgage.com.
Does this page show Atlantic Coast Mortgage, LLC'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 Coast Mortgage, LLC treats applications, then get a rate quote from the lender.