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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Virginia Beach, Charlotte, Roanoke, Atlanta, and Greensboro among others. We have data for 244 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 a low 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 | 6.80% | 4/14/24 |
| 30 Year Conventional Refi | 6.68% | 4/14/24 |
| 30 Year Cash-out Refi | 6.92% | 4/14/24 |
| 30 Year FHA Purchase | 7.54% | 4/14/24 |
| 30 Year FHA Refi | 7.44% | 4/14/24 |
| 30 Year VA Purchase | 6.38% | 4/14/24 |
| 30 Year VA Refi | 6.06% | 4/14/24 |
| 30 Year USDA Purchase | 7.10% | 4/14/24 |
| 30 Year USDA Refi | 6.74% | 4/14/24 |
| 15 Year Conventional Purchase | 2.88% | 4/14/24 |
| 15 Year Conventional Refi | 6.13% | 4/14/24 |
| 15 Year Cash-out Refi | 6.13% | 4/14/24 |
| 15 Year FHA Purchase | 7.87% | 4/14/24 |
| 15 Year FHA Refi | 7.92% | 4/14/24 |
| 15 Year VA Purchase | 5.98% | 4/14/24 |
| 15 Year VA Refi | 5.93% | 4/14/24 |
| 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
15,192Origination Dollar Volume (All Markets)
$3,062,060,000Awards
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ATLANTIC BAY MORTGAGE GROUP - 2018
ATLANTIC BAY MORTGAGE GROUP is a 2018 , due to their low .
For 2018, less than of lenders were eligible for this award.
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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) | 4,358 | $959,930,000 | $220,268 | $4,958 | 4.77% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1,424 | $353,160,000 | $248,006 | $4,039 | 4.82% |
| ROANOKE, VA (FHA|USDA|VA) | 865 | $147,315,000 | $170,306 | $3,778 | 4.78% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 498 | $134,100,000 | $269,277 | $4,116 | 4.82% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 732 | $106,730,000 | $145,806 | $3,349 | 4.95% |
| Outside of Metro Areas | 612 | $98,400,000 | $160,784 | $3,903 | 4.90% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 306 | $73,290,000 | $239,510 | $5,190 | 4.81% |
| ASHEVILLE, NC (FHA|USDA|VA) | 324 | $71,280,000 | $220,000 | $4,100 | 4.86% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 201 | $67,935,000 | $337,985 | $4,181 | 4.72% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 420 | $64,430,000 | $153,405 | $4,116 | 4.82% |
| RICHMOND, VA (FHA|USDA|VA) | 295 | $58,595,000 | $198,627 | $4,317 | 4.82% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 332 | $56,690,000 | $170,753 | $4,134 | 4.84% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 275 | $53,495,000 | $194,527 | $4,251 | 4.85% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 363 | $50,885,000 | $140,179 | $3,675 | 4.97% |
| WILMINGTON, NC (FHA|USDA|VA) | 226 | $49,890,000 | $220,752 | $4,031 | 4.91% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 158 | $49,730,000 | $314,747 | $5,721 | 4.67% |
| LYNCHBURG, VA (FHA|USDA|VA) | 257 | $44,885,000 | $174,650 | $3,917 | 4.75% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 204 | $37,240,000 | $182,549 | $4,323 | 4.96% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 185 | $36,805,000 | $198,946 | $4,909 | 4.97% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 202 | $35,720,000 | $176,832 | $3,555 | 4.84% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 189 | $32,905,000 | $174,101 | $5,066 | 4.86% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 112 | $31,870,000 | $284,554 | $4,127 | 4.77% |
| NEW BERN, NC (FHA|USDA|VA) | 209 | $30,685,000 | $146,818 | $3,854 | 4.84% |
| GREENVILLE, NC (FHA|USDA|VA) | 149 | $24,025,000 | $161,242 | $4,090 | 4.85% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 131 | $20,615,000 | $157,366 | $4,444 | 4.98% |
| SPARTANBURG, SC (FHA|USDA|VA) | 89 | $14,805,000 | $166,348 | $4,472 | 4.69% |
| Forest City, NC (FHA|USDA|VA) | 92 | $12,310,000 | $133,804 | $3,468 | 4.88% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 64 | $11,560,000 | $180,625 | $4,669 | 5.04% |
| Greenwood, SC (FHA|USDA|VA) | 76 | $10,180,000 | $133,947 | $4,407 | 5.05% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 39 | $10,135,000 | $259,872 | $5,567 | 4.83% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 49 | $9,905,000 | $202,143 | $3,803 | 4.96% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 63 | $9,855,000 | $156,429 | $3,646 | 4.94% |
| Shelby, NC (FHA|USDA|VA) | 64 | $9,300,000 | $145,313 | $3,427 | 4.95% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 76 | $8,720,000 | $114,737 | $3,372 | 4.85% |
| Morehead City, NC (FHA|USDA|VA) | 43 | $8,655,000 | $201,279 | $4,617 | 4.89% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 53 | $8,605,000 | $162,358 | $2,879 | 5.04% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 52 | $8,560,000 | $164,615 | $3,946 | 4.72% |
| Marion, NC (FHA|USDA|VA) | 64 | $8,450,000 | $132,031 | $3,966 | 4.76% |
| KNOXVILLE, TN (FHA|USDA|VA) | 61 | $8,435,000 | $138,279 | $4,037 | 4.72% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 30 | $7,480,000 | $249,333 | $3,838 | 4.76% |
| SAVANNAH, GA (FHA|USDA|VA) | 30 | $7,310,000 | $243,667 | $4,978 | 4.81% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 37 | $7,185,000 | $194,189 | $4,079 | 4.79% |
| Cullowhee, NC (FHA|USDA|VA) | 39 | $7,135,000 | $182,949 | $4,522 | 4.84% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 42 | $6,860,000 | $163,333 | $3,299 | 4.93% |
| Houghton, MI (FHA|USDA|VA) | 48 | $6,300,000 | $131,250 | $2,740 | 4.82% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 34 | $6,160,000 | $181,176 | $5,064 | 4.79% |
| Boone, NC (FHA|USDA|VA) | 24 | $5,670,000 | $236,250 | $2,977 | 4.85% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 28 | $5,560,000 | $198,571 | $4,827 | 4.80% |
| Sevierville, TN (FHA|USDA|VA) | 29 | $5,555,000 | $191,552 | $3,745 | 5.02% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 28 | $5,440,000 | $194,286 | $4,329 | 4.58% |
| Elizabeth City, NC (FHA|USDA|VA) | 32 | $5,310,000 | $165,938 | $4,936 | 4.81% |
| BURLINGTON, NC (FHA|USDA|VA) | 35 | $5,035,000 | $143,857 | $4,295 | 5.00% |
| COLUMBIA, SC (FHA|USDA|VA) | 29 | $4,545,000 | $156,724 | $4,341 | 4.97% |
| Brevard, NC (FHA|USDA|VA) | 21 | $4,235,000 | $201,667 | $3,838 | 4.90% |
| Kill Devil Hills, NC (FHA|USDA|VA) | 16 | $4,170,000 | $260,625 | $3,028 | 5.03% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 17 | $4,065,000 | $239,118 | $5,024 | 4.88% |
| Martinsville, VA (FHA|USDA|VA) | 37 | $4,025,000 | $108,784 | $4,504 | 4.90% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 22 | $3,910,000 | $177,727 | $4,032 | 4.75% |
| Georgetown, SC (FHA|USDA|VA) | 21 | $3,855,000 | $183,571 | $5,813 | 4.94% |
| Danville, VA (FHA|USDA|VA) | 28 | $3,560,000 | $127,143 | $4,016 | 5.14% |
| Bluefield, WV-VA (FHA|USDA|VA) | 28 | $3,440,000 | $122,857 | $3,423 | 5.00% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 15 | $3,415,000 | $227,667 | $5,811 | 4.85% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 15 | $2,915,000 | $194,333 | $4,154 | 5.01% |
| Mount Airy, NC (FHA|USDA|VA) | 19 | $2,525,000 | $132,895 | $4,373 | 4.95% |
| Statesboro, GA (FHA|USDA|VA) | 15 | $2,445,000 | $163,000 | $4,373 | 4.95% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 13 | $2,375,000 | $182,692 | $3,727 | 4.88% |
| STAUNTON, VA (FHA|USDA|VA) | 13 | $2,275,000 | $175,000 | $4,228 | 4.73% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 8 | $2,240,000 | $280,000 | $4,181 | 4.98% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 7 | $2,135,000 | $305,000 | $4,538 | 4.86% |
| MORRISTOWN, TN (FHA|USDA|VA) | 14 | $2,070,000 | $147,857 | $4,151 | 4.66% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 10 | $2,030,000 | $203,000 | $6,848 | 4.81% |
| Albemarle, NC (FHA|USDA|VA) | 14 | $2,000,000 | $142,857 | $5,047 | 4.88% |
| HARRISONBURG, VA (FHA|USDA|VA) | 11 | $1,995,000 | $181,364 | $3,808 | 4.88% |
| Palatka, FL (FHA|USDA|VA) | 13 | $1,995,000 | $153,462 | $4,129 | 4.74% |
| WAUSAU-WESTON, WI (FHA|USDA|VA) | 14 | $1,940,000 | $138,571 | $3,302 | 4.95% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $1,890,000 | $236,250 | $3,830 | 4.70% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 8 | $1,840,000 | $230,000 | $3,684 | 4.78% |
| ST. GEORGE, UT (FHA|USDA|VA) | 9 | $1,825,000 | $202,778 | $3,540 | 4.93% |
| Washington, NC (FHA|USDA|VA) | 11 | $1,785,000 | $162,273 | $4,492 | 4.98% |
| Kinston, NC (FHA|USDA|VA) | 14 | $1,670,000 | $119,286 | $3,460 | 5.10% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 11 | $1,655,000 | $150,455 | $3,201 | 5.13% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 10 | $1,550,000 | $155,000 | $4,280 | 4.68% |
| DOVER, DE (FHA|USDA|VA) | 8 | $1,540,000 | $192,500 | $4,391 | 4.61% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 11 | $1,485,000 | $135,000 | $4,346 | 4.73% |
| Cedar City, UT (FHA|USDA|VA) | 7 | $1,485,000 | $212,143 | $4,236 | 4.98% |
| North Wilkesboro, NC (FHA|USDA|VA) | 9 | $1,475,000 | $163,889 | $5,755 | 4.94% |
| GOLDSBORO, NC (FHA|USDA|VA) | 9 | $1,405,000 | $156,111 | $2,775 | 5.16% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 6 | $1,370,000 | $228,333 | $5,615 | 4.75% |
| FORT WAYNE, IN (FHA|USDA|VA) | 7 | $1,185,000 | $169,286 | $4,622 | 4.95% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $3,984 | 4.90% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,160,000 | $580,000 | $5,270 | 4.50% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 8 | $1,160,000 | $145,000 | $3,048 | 5.09% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 6 | $1,160,000 | $193,333 | $4,562 | 4.96% |
| Clovis, NM (FHA|USDA|VA) | 6 | $1,120,000 | $186,667 | $5,586 | 5.00% |
| Orangeburg, SC (FHA|USDA|VA) | 7 | $1,115,000 | $159,286 | $5,130 | 4.82% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 8 | $1,110,000 | $138,750 | $3,690 | 4.66% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 3 | $1,095,000 | $365,000 | $5,293 | 4.04% |
| Escanaba, MI (FHA|USDA|VA) | 11 | $1,085,000 | $98,636 | $4,073 | 5.01% |
| Seneca, SC (FHA|USDA|VA) | 9 | $1,075,000 | $119,444 | $3,163 | 4.94% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 5 | $1,075,000 | $215,000 | $4,395 | 5.03% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $1,055,000 | $351,667 | $5,515 | 4.21% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $7,531 | 4.50% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $6,483 | 4.00% |
| Greeneville, TN (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $1,418 | 4.73% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 7 | $895,000 | $127,857 | $3,983 | 5.30% |
| OCALA, FL (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $3,066 | 4.56% |
| WICHITA, KS (FHA|USDA|VA) | 5 | $875,000 | $175,000 | $4,713 | 5.23% |
| BRUNSWICK, GA (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $3,349 | 4.83% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $5,850 | 4.46% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 3 | $855,000 | $285,000 | $2,965 | 4.54% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $810,000 | $135,000 | $4,247 | 4.88% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $3,269 | 4.63% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $8,988 | 4.13% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $4,429 | 4.69% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 4 | $740,000 | $185,000 | $6,517 | 5.13% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $4,988 | 4.19% |
| Gaffney, SC (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $4,996 | 4.83% |
| SPRINGFIELD, OH (FHA|USDA|VA) | 4 | $670,000 | $167,500 | $3,263 | 4.22% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $3,541 | 4.13% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $655,000 | $218,333 | $4,118 | 4.38% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,982 | 4.50% |
| SALEM, OR (FHA|USDA|VA) | 2 | $650,000 | $325,000 | $3,858 | 4.38% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $6,977 | 4.06% |
| Newport, TN (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $17,585 | 4.25% |
| OSHKOSH-NEENAH, WI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $8,299 | 4.75% |
| Key West, FL (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $22,935 | 3.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $3,912 | 5.25% |
| Newberry, SC (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $9,350 | 5.06% |
| Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $3,162 | 5.31% |
| Huntington, IN (FHA|USDA|VA) | 5 | $525,000 | $105,000 | $2,929 | 5.08% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,500 | 5.31% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $3,638 | 5.44% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $6,195 | 4.75% |
| Bluffton, IN (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $2,870 | 4.83% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 3 | $475,000 | $158,333 | $3,190 | 4.96% |
| Central City, KY (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $13,451 | 4.13% |
| Cedartown, GA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $2,068 | 4.13% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $10,359 | 4.50% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $5,224 | 5.50% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $3,044 | 4.63% |
| GREEN BAY, WI (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $2,293 | 4.94% |
| AMARILLO, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $3,997 | 4.50% |
| Whitewater, WI (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $4,371 | 4.88% |
| BECKLEY, WV (FHA|USDA|VA) | 3 | $415,000 | $138,333 | $4,636 | 4.67% |
| NILES, MI (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,632 | 3.38% |
| Crawfordsville, IN (FHA|USDA|VA) | 3 | $395,000 | $131,667 | $1,957 | 5.04% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,541 | 4.88% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $6,306 | 5.13% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $6,313 | 5.00% |
| JACKSON, MS (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $5,120 | 4.94% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 4 | $370,000 | $92,500 | $2,853 | 5.16% |
| Hutchinson, KS (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $4,494 | 5.08% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $3,621 | 4.56% |
| Stevens Point, WI (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $1,961 | 5.06% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $3,156 | 4.56% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $14,094 | 5.00% |
| Lumberton, NC (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $4,780 | 5.25% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $5,777 | 5.38% |
| Granbury, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $12,501 | 5.00% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $15,657 | 3.88% |
| SHEBOYGAN, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,143 | 4.75% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,497 | 4.88% |
| Jasper, AL (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $3,228 | 4.94% |
| Glasgow, KY (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $1,900 | 4.75% |
| VALDOSTA, GA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $2,606 | 4.88% |
| Thomaston, GA (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $3,130 | 5.38% |
| Menomonie, WI (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 5.50% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,000 | 4.50% |
| NORWICH-NEW LONDON, CT (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,911 | 4.38% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $9,332 | 3.75% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.50% |
| ANN ARBOR, MI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,700 | 3.38% |
| CLEVELAND, TN (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $3,628 | 4.63% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,422 | 4.50% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,365 | 4.75% |
| London, KY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $8,508 | 4.25% |
| GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,901 | 4.99% |
| Marinette, WI-MI (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $2,325 | 4.75% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,069 | 4.50% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $3,094 | 4.63% |
| MONROE, MI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $6,772 | 4.38% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,521 | 5.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,817 | 4.13% |
| Bennettsville, SC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,471 | 4.88% |
| Price, UT (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,577 | 5.13% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $2,822 | 5.00% |
| ALBANY, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $8,823 | 4.88% |
| DULUTH, MN-WI (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $4,218 | 5.00% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,925 | 4.63% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,344 | 4.63% |
| Warsaw, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,386 | 4.50% |
| Clarksburg, WV (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $4,048 | 5.38% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,153 | 4.88% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $5,511 | 5.38% |
| Cleveland, MS (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,534 | 4.75% |
| RACINE, WI (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,192 | 4.81% |
| Wilson, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,922 | 4.88% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,408 | 4.00% |
| DALTON, GA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,728 | 4.50% |
| Sanford, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,015 | 5.13% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $5,357 | 5.00% |
| Greenville, OH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,868 | 5.13% |
| Auburn, IN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,714 | 4.63% |
| GREELEY, CO (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.63% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,719 | 4.88% |
| Dublin, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,623 | 4.50% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,198 | 4.38% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,649 | 5.00% |
| Rockingham, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $2,971 | 4.88% |
| AKRON, OH (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,198 | 4.50% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $1,909 | 5.38% |
| Marquette, MI (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $2,550 | 5.13% |
| Crossville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,686 | 4.75% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,708 | 5.00% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,233 | 4.13% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 5.50% |
| Wapakoneta, OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,044 | 4.50% |
| LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,241 | 4.88% |
| Clewiston, FL (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $3,194 | 4.75% |
| Marion, IN (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $2,178 | 5.44% |
| Findlay, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,577 | 5.13% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,025 | 4.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,310 | 4.88% |
| KOKOMO, IN (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,165 | 4.50% |
| Chillicothe, OH (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $3,443 | 4.88% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 5.13% |
| FLINT, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $7,755 | 4.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $899 | 4.38% |
| Van Wert, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $4,647 | 4.50% |
| MUNCIE, IN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,262 | 5.50% |
| Toccoa, GA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $3,946 | 4.50% |
| Vidalia, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,633 | 5.00% |
| Henderson, NC (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,510 | 4.63% |
| Ottawa, IL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,152 | 4.50% |
| MANSFIELD, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $4,860 | 4.63% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.25% |
| JANESVILLE-BELOIT, WI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,148 | 5.50% |
| Huntsville, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,264 | 4.63% |
| Iron Mountain, MI-WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,014 | 4.50% |
| Troy, AL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $3,069 | 4.75% |
| Decatur, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,163 | 4.63% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,710 | 5.50% |
| ROME, GA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $2,679 | 5.13% |
| Summerville, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $2,704 | 4.88% |
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Product Mix
For 2018, Atlantic Bay Mortgage Group's most frequently originated type of loan was Conventional, with 8,890 originations. Their 2nd most popular type was FHA, with 3,070 originations.
Loan Reason
For 2018, Atlantic Bay Mortgage Group's most frequently cited loan purpose was Home Purchase, with 13,543 originations. The 2nd most popular reason was Cash Out Refi, with 1,087 originations.
Loan Duration/Length
For 2018, Atlantic Bay Mortgage Group's most frequently cited loan duration was 30 Year, with 14,139 originations. The 2nd most popular length was 15 Year, with 756 originations.
Origination Fees/Closing Costs
Atlantic Bay Mortgage Group's average total fees were $4,448, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 8,240 originations.
Interest Rates
During 2018, Atlantic Bay Mortgage Group's average interest rate for loans was 4.85%, while their most frequently originated rate bucket for loans was 4-5%, with 10,240 originations.
Loan Sizing
2018 saw Atlantic Bay Mortgage Group place emphasis on $100k-200k loans with 6,655 originations, totaling $1,004,325,000 in origination value.
Applicant Income
Atlantic Bay Mortgage Group lent most frequently to those with incomes in the $50k-75k range, with 4,591 originations. The second most popular income band? $50k or less, with 4,139 originations.
Applicant Debt to Income Ratio
Atlantic Bay Mortgage Group lent most frequently to those with DTI ratios of 30-36%, with 2,692 originations. The next most common DTI ratio? 20-30%, with 2,406 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.46%
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 origination82.56%
Atlantic Bay Mortgage Group has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 15,192 | $3,062,060,000 | $201,557 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 113 | $13,555,000 | $119,956 |
| Single Family (1-4 Units):Site-Built | 15,079 | $3,048,505,000 | $202,169 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2018 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| ATLANTIC BAY MORTGAGE GROUP LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 11.1% |
| ATLANTIC BAY MORTGAGE GROUP LLC | Conventional home mortgage | Closing on a mortgage | 1 | 11.1% |
| ATLANTIC BAY MORTGAGE GROUP LLC | Conventional home mortgage | Trouble during payment process | 4 | 44.4% |
| ATLANTIC BAY MORTGAGE GROUP LLC | FHA mortgage | Incorrect information on your report | 1 | 11.1% |
| ATLANTIC BAY MORTGAGE GROUP LLC | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 11.1% |
| ATLANTIC BAY MORTGAGE GROUP LLC | VA mortgage | Trouble during payment process | 1 | 11.1% |