Applications / Mortgage Analytics / Lenders / Virginia / Atlantic Bay Mortgage Group
Virginia Beach, VA · Independent non-bank lender · CFPB · 13,073 loans in 2025
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13,073
loans originated, 2025
16,714
applications, 2025
16
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Atlantic Bay Mortgage Group is a regional home-purchase lender in 16 states that ranked 3 of 465 lenders in Winston-Salem and 8 of 775 in Charlotte-Concord-Gastonia.
Home purchases were 90.5% of its lending, and it lends in 16 states, with North Carolina its main state. Originations fell 3% to 13,073, while similar lenders (independent non-bank lenders making between half and twice as many loans) grew 14%. With so much of its lending in purchases, it may have had less refinance business to add than lenders with a larger refinance mix.
Its share rose to 5.7% from 4.6% in Winston-Salem and to 2.3% from 2.1% in Charlotte-Concord-Gastonia. In Virginia Beach-Chesapeake-Norfolk, around its base, it ranked 6 of 577 and its share fell to 4.2% from 5.0%; one possible reason is that more of its lending went to its North Carolina markets.
VA loans (guaranteed by the Department of Veterans Affairs) made up 13.6% of its lending, against 9.2% at similar lenders, and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 1.9%, against 0.7%. Manufactured homes were 5.4% of its loans, against 2.2%. Its LMI (low- and moderate-income) borrower share, 30.8%, was near the middle.
It turned down 1.6% of decided first-lien home-purchase applications on owner-occupied homes, against 7.1% at similar lenders, among the lowest of them, and 3.5% of refinance applications, against 13.1%. Only 2.0% of its loans were higher-priced (a rate well above the average for similar loans), against 4.2%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Atlantic Bay Mortgage Group took 16,714 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.5% · Refinance 9.5% · Other 0.0%
Conventional 61.7% · FHA 22.9% · VA 13.6% · USDA (RHS or FSA) 1.9% · of 13,073 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| North Carolina | 6,052 | 46.3% |
| Virginia | 4,244 | 32.5% |
| South Carolina | 955 | 7.3% |
| Georgia | 731 | 5.6% |
| Kentucky | 389 | 3.0% |
| Florida | 221 | 1.7% |
| Maryland | 169 | 1.3% |
| Alabama | 134 | 1.0% |
| Tennessee | 63 | 0.5% |
| Indiana | 52 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Virginia Beach-Chesapeake-Norfolk | 1,930 |
| Charlotte-Concord-Gastonia | 1,427 |
| Winston-Salem | 988 |
| Greensboro-High Point | 755 |
| Roanoke | 607 |
| Hickory-Lenoir-Morganton | 511 |
| Richmond | 488 |
| Arlington-Alexandria-Reston | 397 |
| Wilmington | 363 |
| Atlanta-Sandy Springs-Roswell | 349 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RWXUAFD1WAE410 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4185428 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7541822116 |
Established 18 November 1996. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Atlantic Bay Mortgage Group's data.
Atlantic Bay Mortgage Group's data
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Atlantic Bay Mortgage Group and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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