Atlantic Bay Mortgage Group Rates, Fees & Info
VIRGINIA BEACH, VALEI: 549300RWXUAFD1WAE410
Tax ID: 54-1822116
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Mortgage Data
Review & Overview
Atlantic Bay Mortgage Group is a mid-sized mortgage company specializing in Home Purchase loans. Atlantic Bay Mortgage Group has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Virginia Beach, Charlotte, Washington, Atlanta, and Winston among others. We have data for 185 markets. (Some data included below & more in-depth data is available with an active subscription.)Atlantic Bay Mortgage Group has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Atlantic Bay Mortgage Group is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 7.00% | 6/22/25 |
| 30 Year Conventional Refi | 6.93% | 6/22/25 |
| 30 Year Cash-out Refi | 7.32% | 6/22/25 |
| 30 Year FHA Purchase | 7.49% | 6/22/25 |
| 30 Year FHA Refi | 6.95% | 6/22/25 |
| 30 Year VA Purchase | 6.53% | 6/22/25 |
| 30 Year VA Refi | 6.03% | 6/22/25 |
| 30 Year USDA Purchase | 7.16% | 6/22/25 |
| 30 Year USDA Refi | 6.72% | 6/22/25 |
| 15 Year Conventional Purchase | 0.52% | 6/22/25 |
| 15 Year Conventional Refi | 6.11% | 6/22/25 |
| 15 Year Cash-out Refi | 6.11% | 6/22/25 |
| 15 Year FHA Refi | 8.19% | 6/22/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Atlantic Bay Mortgage Group Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Atlantic Bay Mortgage Group. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
13,415Origination Dollar Volume (All Markets)
$3,964,815,000Awards
ATLANTIC BAY MORTGAGE GROUP - 2024
ATLANTIC BAY MORTGAGE GROUP is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Atlantic Bay Mortgage Group's average 30 year fixed mortgage rate was
6.64%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 0.09%.
Relative Fees (Closing Costs)
Atlantic Bay Mortgage Group's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,379.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2,154 | $670,930,000 | $311,481 | $8,892 | 6.61% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1,223 | $520,775,000 | $425,818 | $8,247 | 6.38% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 514 | $279,780,000 | $544,319 | $10,010 | 6.46% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 482 | $196,190,000 | $407,033 | $8,195 | 6.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 799 | $175,645,000 | $219,831 | $8,141 | 5.59% |
| Outside of Metro Areas | 710 | $163,320,000 | $230,028 | $7,742 | 6.47% |
| RICHMOND, VA (FHA|USDA|VA) | 475 | $161,825,000 | $340,684 | $7,752 | 6.69% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 681 | $147,845,000 | $217,100 | $7,784 | 5.56% |
| WILMINGTON, NC (FHA|USDA|VA) | 270 | $111,660,000 | $413,556 | $7,990 | 6.55% |
| ROANOKE, VA (FHA|USDA|VA) | 458 | $105,910,000 | $231,245 | $6,633 | 6.85% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 431 | $82,365,000 | $191,102 | $8,087 | 5.37% |
| ASHEVILLE, NC (FHA|USDA|VA) | 213 | $74,845,000 | $351,385 | $8,392 | 6.50% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 311 | $74,725,000 | $240,273 | $7,986 | 6.39% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 219 | $71,875,000 | $328,196 | $8,260 | 6.26% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 199 | $66,865,000 | $336,005 | $8,644 | 6.73% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 248 | $63,380,000 | $255,565 | $7,691 | 6.28% |
| NEW BERN, NC (FHA|USDA|VA) | 217 | $54,595,000 | $251,590 | $8,425 | 6.33% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 208 | $44,460,000 | $213,750 | $7,373 | 5.65% |
| LYNCHBURG, VA (FHA|USDA|VA) | 197 | $43,005,000 | $218,299 | $6,530 | 6.89% |
| GOLDSBORO, NC (FHA|USDA|VA) | 208 | $42,860,000 | $206,058 | $7,625 | 5.73% |
| COLUMBIA, SC (FHA|USDA|VA) | 145 | $40,295,000 | $277,897 | $7,240 | 6.58% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 106 | $40,190,000 | $379,151 | $9,407 | 6.20% |
| Morehead City, NC (FHA|USDA|VA) | 99 | $36,825,000 | $371,970 | $8,999 | 7.03% |
| GREENVILLE, NC (FHA|USDA|VA) | 145 | $33,935,000 | $234,034 | $9,000 | 5.67% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 159 | $32,685,000 | $205,566 | $8,111 | 5.60% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 101 | $31,145,000 | $308,366 | $8,787 | 6.20% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 113 | $23,955,000 | $211,991 | $8,347 | 5.50% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 69 | $23,915,000 | $346,594 | $9,191 | 6.41% |
| SPARTANBURG, SC (FHA|USDA|VA) | 98 | $21,960,000 | $224,082 | $8,102 | 5.93% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 96 | $20,950,000 | $218,229 | $6,638 | 6.88% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 122 | $19,890,000 | $163,033 | $6,210 | 5.30% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 20 | $19,660,000 | $983,000 | $14,130 | 7.34% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 73 | $19,345,000 | $265,000 | $8,497 | 6.22% |
| Greenwood, SC (FHA|USDA|VA) | 92 | $18,200,000 | $197,826 | $6,296 | 5.61% |
| BURLINGTON, NC (FHA|USDA|VA) | 69 | $15,555,000 | $225,435 | $8,737 | 5.64% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 57 | $15,535,000 | $272,544 | $7,561 | 5.90% |
| Mount Airy, NC (FHA|USDA|VA) | 85 | $15,165,000 | $178,412 | $7,172 | 5.50% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 80 | $13,870,000 | $173,375 | $7,979 | 5.79% |
| Forest City, NC (FHA|USDA|VA) | 61 | $12,325,000 | $202,049 | $7,875 | 5.57% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 54 | $11,980,000 | $221,852 | $7,493 | 7.11% |
| Marion, NC (FHA|USDA|VA) | 42 | $10,980,000 | $261,429 | $7,891 | 6.16% |
| Glasgow, KY (FHA|USDA|VA) | 68 | $10,890,000 | $160,147 | $6,043 | 6.21% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 38 | $10,630,000 | $279,737 | $5,600 | 6.77% |
| Kinston, NC (FHA|USDA|VA) | 72 | $10,590,000 | $147,083 | $7,034 | 5.57% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 25 | $10,265,000 | $410,600 | $8,604 | 6.69% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 41 | $10,085,000 | $245,976 | $10,055 | 6.74% |
| STAUNTON, VA (FHA|USDA|VA) | 36 | $9,280,000 | $257,778 | $6,568 | 6.85% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 37 | $8,795,000 | $237,703 | $8,129 | 6.16% |
| Shelby, NC (FHA|USDA|VA) | 47 | $8,495,000 | $180,745 | $8,861 | 5.19% |
| Elizabeth City, NC (FHA|USDA|VA) | 36 | $8,280,000 | $230,000 | $10,293 | 5.94% |
| Wilson, NC (FHA|USDA|VA) | 46 | $7,970,000 | $173,261 | $7,860 | 4.98% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 16 | $7,770,000 | $485,625 | $10,702 | 7.08% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 19 | $7,445,000 | $391,842 | $10,336 | 6.41% |
| Sanford, NC (FHA|USDA|VA) | 27 | $7,215,000 | $267,222 | $10,487 | 5.51% |
| LOUISVILLE, KY (FHA|USDA|VA) | 30 | $7,090,000 | $236,333 | $6,680 | 6.48% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 21 | $6,885,000 | $327,857 | $7,425 | 7.04% |
| North Wilkesboro, NC (FHA|USDA|VA) | 29 | $6,595,000 | $227,414 | $10,505 | 6.17% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 15 | $6,405,000 | $427,000 | $11,480 | 6.11% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 12 | $5,550,000 | $462,500 | $6,298 | 6.85% |
| Washington, NC (FHA|USDA|VA) | 27 | $5,525,000 | $204,630 | $6,238 | 5.71% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 21 | $5,475,000 | $260,714 | $6,444 | 6.10% |
| SAVANNAH, GA (FHA|USDA|VA) | 10 | $5,450,000 | $545,000 | $9,485 | 6.79% |
| Albemarle, NC (FHA|USDA|VA) | 21 | $5,425,000 | $258,333 | $10,133 | 5.98% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 9 | $5,355,000 | $595,000 | $15,331 | 6.87% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 32 | $5,330,000 | $166,563 | $6,922 | 6.90% |
| Boone, NC (FHA|USDA|VA) | 13 | $5,305,000 | $408,077 | $7,419 | 7.28% |
| Danville, VA (FHA|USDA|VA) | 29 | $5,255,000 | $181,207 | $7,045 | 6.84% |
| Brevard, NC (FHA|USDA|VA) | 10 | $4,720,000 | $472,000 | $8,350 | 6.88% |
| PANAMA CITY, FL (FHA|USDA|VA) | 12 | $4,670,000 | $389,167 | $11,761 | 7.02% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 19 | $4,445,000 | $233,947 | $5,419 | 6.76% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 15 | $4,445,000 | $296,333 | $8,473 | 5.97% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 16 | $4,160,000 | $260,000 | $8,760 | 5.87% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 14 | $4,100,000 | $292,857 | $9,921 | 6.20% |
| Seneca, SC (FHA|USDA|VA) | 5 | $3,805,000 | $761,000 | $11,818 | 7.15% |
| Cullowhee, NC (FHA|USDA|VA) | 12 | $3,430,000 | $285,833 | $9,009 | 7.19% |
| Jefferson, GA (FHA|USDA|VA) | 9 | $3,425,000 | $380,556 | $8,282 | 7.26% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 13 | $3,205,000 | $246,538 | $8,303 | 6.40% |
| Summerville, GA (FHA|USDA|VA) | 15 | $3,005,000 | $200,333 | $7,635 | 6.60% |
| Lake City, FL (FHA|USDA|VA) | 11 | $2,995,000 | $272,273 | $9,306 | 6.83% |
| Martinsville, VA (FHA|USDA|VA) | 20 | $2,980,000 | $149,000 | $5,469 | 6.77% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 8 | $2,920,000 | $365,000 | $7,327 | 7.04% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 7 | $2,895,000 | $413,571 | $8,757 | 7.17% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $2,630,000 | $657,500 | $16,689 | 6.94% |
| GAINESVILLE, GA (FHA|USDA|VA) | 8 | $2,520,000 | $315,000 | $7,709 | 6.87% |
| Georgetown, SC (FHA|USDA|VA) | 6 | $2,490,000 | $415,000 | $9,947 | 6.56% |
| GAINESVILLE, FL (FHA|USDA|VA) | 8 | $2,480,000 | $310,000 | $8,824 | 5.73% |
| HARRISONBURG, VA (FHA|USDA|VA) | 10 | $2,460,000 | $246,000 | $6,867 | 7.03% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 4 | $2,380,000 | $595,000 | $12,296 | 7.31% |
| KNOXVILLE, TN (FHA|USDA|VA) | 5 | $2,355,000 | $471,000 | $5,327 | 6.60% |
| ALBANY, GA (FHA|USDA|VA) | 19 | $2,205,000 | $116,053 | $5,020 | 5.45% |
| Scottsboro, AL (FHA|USDA|VA) | 3 | $2,145,000 | $715,000 | $17,324 | 5.88% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 9 | $2,065,000 | $229,444 | $8,001 | 6.86% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 7 | $2,045,000 | $292,143 | $7,589 | 7.32% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 10 | $2,020,000 | $202,000 | $4,893 | 6.13% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 5 | $1,885,000 | $377,000 | $6,733 | 6.75% |
| DECATUR, AL (FHA|USDA|VA) | 5 | $1,785,000 | $357,000 | $7,478 | 6.90% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 7 | $1,725,000 | $246,429 | $6,847 | 6.21% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 3 | $1,595,000 | $531,667 | $9,377 | 6.67% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $9,745 | 7.10% |
| SUMTER, SC (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $5,613 | 6.81% |
| Newberry, SC (FHA|USDA|VA) | 8 | $1,360,000 | $170,000 | $7,847 | 7.09% |
| Jasper, AL (FHA|USDA|VA) | 8 | $1,280,000 | $160,000 | $7,813 | 7.20% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $9,940 | 7.00% |
| VALDOSTA, GA (FHA|USDA|VA) | 5 | $1,265,000 | $253,000 | $5,726 | 6.22% |
| Lumberton, NC (FHA|USDA|VA) | 11 | $1,205,000 | $109,545 | $7,530 | 4.19% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $1,180,000 | $590,000 | $10,421 | 6.56% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $5,806 | 6.81% |
| Richmond-Berea, KY (FHA|USDA|VA) | 5 | $1,155,000 | $231,000 | $6,564 | 6.23% |
| Bluefield, WV-VA (FHA|USDA|VA) | 7 | $1,145,000 | $163,571 | $5,699 | 6.93% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 4 | $1,140,000 | $285,000 | $8,320 | 7.19% |
| PITTSBURGH, PA (FHA|USDA|VA) | 4 | $1,030,000 | $257,500 | $9,198 | 6.75% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $12,093 | 6.69% |
| Gaffney, SC (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $6,098 | 5.66% |
| Calhoun, GA (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $7,239 | 6.46% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $925,000 | $308,333 | $14,001 | 6.25% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $9,092 | 7.50% |
| MOBILE, AL (FHA|USDA|VA) | 7 | $915,000 | $130,714 | $5,187 | 7.16% |
| Rockingham, NC (FHA|USDA|VA) | 3 | $915,000 | $305,000 | $7,617 | 7.25% |
| Laurinburg, NC (FHA|USDA|VA) | 2 | $910,000 | $455,000 | $16,822 | 7.50% |
| MONTGOMERY, AL (FHA|USDA|VA) | 5 | $845,000 | $169,000 | $7,748 | 6.85% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $9,745 | 6.83% |
| Easton, MD (FHA|USDA|VA) | 2 | $830,000 | $415,000 | $10,630 | 6.44% |
| OWENSBORO, KY (FHA|USDA|VA) | 4 | $810,000 | $202,500 | $3,516 | 6.09% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $805,000 | $161,000 | $7,139 | 5.68% |
| CUMBERLAND, MD-WV (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $42,703 | 5.50% |
| LaGrange, GA-AL (FHA|USDA|VA) | 5 | $755,000 | $151,000 | $5,586 | 3.65% |
| Danville, KY (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $7,741 | 6.54% |
| HINESVILLE, GA (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $4,372 | 4.88% |
| Union, SC (FHA|USDA|VA) | 6 | $710,000 | $118,333 | $5,510 | 6.08% |
| Albertville, AL (FHA|USDA|VA) | 1 | $665,000 | $665,000 | $10 | 6.25% |
| GADSDEN, AL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $5,439 | 6.54% |
| Bardstown, KY (FHA|USDA|VA) | 4 | $660,000 | $165,000 | $7,372 | 5.75% |
| FORT WAYNE, IN (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $24,728 | 6.25% |
| ROME, GA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $7,342 | 6.75% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $4,911 | 7.12% |
| Campbellsville, KY (FHA|USDA|VA) | 7 | $605,000 | $86,429 | $5,490 | 5.91% |
| Mount Sterling, KY (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $4,915 | 6.00% |
| Central City, KY (FHA|USDA|VA) | 6 | $530,000 | $88,333 | $4,555 | 5.56% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $8,170 | 7.99% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $6,327 | 6.99% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $8,802 | 6.99% |
| Palatka, FL (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $7,230 | 3.88% |
| DOVER, DE (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $1,822 | 6.56% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $24,344 | 5.25% |
| FLORENCE, SC (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $9,772 | 6.50% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $10,500 | 7.25% |
| Orangeburg, SC (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $5,597 | 4.25% |
| DALTON, GA (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $11,007 | 6.50% |
| Dublin, GA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,021 | 6.12% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $7,661 | 6.25% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $15,485 | 6.63% |
| Cornelia, GA (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,914 | 7.38% |
| Cambridge, MD (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $7,421 | 9.25% |
| Cullman, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $6,357 | 7.25% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $5,042 | 7.13% |
| OCALA, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $9,670 | 6.75% |
| London, KY (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $4,397 | 6.63% |
| Athens, TN (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $10,701 | 6.75% |
| Milledgeville, GA (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $5,714 | 3.06% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,906 | 7.38% |
| St. Marys, GA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $6,349 | 8.37% |
| BRUNSWICK, GA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $8,913 | 6.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,086 | 6.99% |
| Americus, GA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $8,441 | 7.38% |
| Madisonville, KY (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $8,869 | 7.25% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,538 | 7.13% |
| Ozark, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,800 | 7.25% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,151 | 6.88% |
| SEBRING-AVON PARK, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,040 | 7.25% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,348 | 5.25% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $11,894 | 6.75% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $5,774 | 7.13% |
| Maysville, KY (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,302 | 7.88% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,998 | 7.13% |
| Somerset, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,563 | 6.63% |
| Dyersburg, TN (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $7,539 | 7.49% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,685 | 6.63% |
| Fort Payne, AL (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,396 | 6.50% |
| Tifton, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $6,684 | 6.50% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $9,063 | 7.25% |
| Jesup, GA (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $3,526 | 2.81% |
| Thomaston, GA (FHA|USDA|VA) | 2 | $120,000 | $60,000 | $3,626 | 3.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,954 | 6.25% |
| Thomasville, GA (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $3,212 | 3.06% |
| Cordele, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,748 | 5.99% |
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Product Mix
For 2024, Atlantic Bay Mortgage Group's most frequently originated type of loan was Conventional, with 8,227 originations. Their 2nd most popular type was FHA, with 3,033 originations.
Loan Reason
For 2024, Atlantic Bay Mortgage Group's most frequently cited loan purpose was Home Purchase, with 12,552 originations. The 2nd most popular reason was Cash Out Refi, with 456 originations.
Loan Duration/Length
For 2024, Atlantic Bay Mortgage Group's most frequently cited loan duration was 30 Year, with 12,026 originations. The 2nd most popular length was 15 Year, with 899 originations.
Origination Fees/Closing Costs
Atlantic Bay Mortgage Group's average total fees were $8,379, while their most frequently occuring range of origination fees (closing costs) were in the $5k+ bucket, with 3,246 originations.
Interest Rates
During 2024, Atlantic Bay Mortgage Group's average interest rate for loans was 6.64%, while their most frequently originated rate bucket for loans was 6-7%, with 7,561 originations.
Loan Sizing
2024 saw Atlantic Bay Mortgage Group place emphasis on $200k-400k loans with 6,310 originations, totaling $1,801,680,000 in origination value.
Applicant Income
Atlantic Bay Mortgage Group lent most frequently to those with incomes in the $50k-75k range, with 3,238 originations. The second most popular income band? $100k-150k, with 2,983 originations.
Applicant Debt to Income Ratio
Atlantic Bay Mortgage Group lent most frequently to those with DTI ratios of 30-36%, with 2,114 originations. The next most common DTI ratio? 20-30%, with 1,705 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications98.59%
Atlantic Bay Mortgage Group has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination75.26%
Atlantic Bay Mortgage Group has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 11614.25 | 1 | $245,000 | $245,000 |
| 1376.0 | 1 | $175,000 | $175,000 |
| 2350.06 | 1 | $55,000 | $55,000 |
| 24249.23 | 1 | $385,000 | $385,000 |
| 2976.0 | 1 | $155,000 | $155,000 |
| 3798.88 | 1 | $145,000 | $145,000 |
| 3869.75 | 1 | $95,000 | $95,000 |
| 4100.05 | 1 | $105,000 | $105,000 |
| 4220.16 | 1 | $95,000 | $95,000 |
| 5271.0 | 1 | $165,000 | $165,000 |
| 5763.5 | 1 | $145,000 | $145,000 |
| 5786.0 | 1 | $125,000 | $125,000 |
| 5823.2 | 1 | $135,000 | $135,000 |
| 5948.75 | 1 | $175,000 | $175,000 |
| 6258.55 | 1 | $145,000 | $145,000 |
| 6341.13 | 1 | $225,000 | $225,000 |
| 6743.5 | 1 | $155,000 | $155,000 |
| 6896.0 | 1 | $185,000 | $185,000 |
| 7059.2 | 1 | $205,000 | $205,000 |
| 7269.69 | 1 | $155,000 | $155,000 |
| 7326.0 | 1 | $175,000 | $175,000 |
| 9634.25 | 1 | $305,000 | $305,000 |
| NA | 13,393 | $3,961,065,000 | $295,756 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 13,415 | $3,964,815,000 | $295,551 |