Atlantic Bay Mortgage Group Mortgage Lending & HMDA Data, 2025

In 2025, Atlantic Bay Mortgage Group of Virginia Beach, VA reported 16,939 mortgage applications totaling $5.3 billion, down 1% from 2024. The average application was for $310,323, and applicants reported an average income of $129,156. 77% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Virginia Beach-Norfolk-Newport News, VA-NC (2,400), Charlotte-Concord-Gastonia, NC-SC (1,887) and Winston-Salem, NC (1,232) (applications in parentheses).

Mortgage Company & Address Atlantic Bay Mortgage Group
596 Lynnhaven Parkway Suite 200
Virginia Beach, VA 23452
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  
Total Number of Mortgage Applications 16,939
Total Mortgage Loan Application Amount $5,256,575,000
Average Mortgage Loan Application Amount $310,323
Highest Mortgage Loan Application Amount $3,595,000
Average Applicant Income $129,156
Highest Applicant Income $4,755,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Atlantic Bay Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Atlantic Bay Mortgage Group by County in 2025

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Mecklenburg, North Carolina 968 $ 523,980,000 $ 541,301 $ 237,000
Guilford, North Carolina 530 $ 121,950,000 $ 230,094 $ 99,000
Davidson, North Carolina 523 $ 118,255,000 $ 226,108 $ 97,000
Forsyth, North Carolina 505 $ 106,935,000 $ 211,752 $ 95,000
Virginia Beach, Virginia 466 $ 177,990,000 $ 381,952 $ 144,000
Chesapeake, Virginia 322 $ 121,150,000 $ 376,242 $ 128,000
Randolph, North Carolina 287 $ 58,155,000 $ 202,630 $ 87,000
Newport News, Virginia 267 $ 68,365,000 $ 256,048 $ 104,000
Norfolk, Virginia 249 $ 78,435,000 $ 315,000 $ 127,000
Buncombe, North Carolina 247 $ 91,845,000 $ 371,842 $ 161,000
Burke, North Carolina 244 $ 49,530,000 $ 202,991 $ 87,000
Catawba, North Carolina 242 $ 57,080,000 $ 235,867 $ 110,000
Roanoke, Virginia 241 $ 66,775,000 $ 277,074 $ 119,000
Roanoke City, Virginia 237 $ 48,375,000 $ 204,113 $ 95,000
Warren, Kentucky 225 $ 60,625,000 $ 269,444 $ 99,000
Greenville, South Carolina 221 $ 58,185,000 $ 263,280 $ 111,000
New Hanover, North Carolina 215 $ 88,805,000 $ 413,046 $ 193,000
Suffolk, Virginia 201 $ 75,125,000 $ 373,756 $ 126,000
Hampton, Virginia 197 $ 47,325,000 $ 240,228 $ 92,000
Iredell, North Carolina 195 $ 69,515,000 $ 356,487 $ 167,000
Pitt, North Carolina 187 $ 41,735,000 $ 223,181 $ 110,000
Fairfax, Virginia 184 $ 117,890,000 $ 640,706 $ 204,000
Fulton, Georgia 169 $ 90,905,000 $ 537,899 $ 238,000
Wayne, North Carolina 161 $ 35,685,000 $ 221,645 $ 95,000
Portsmouth, Virginia 159 $ 33,365,000 $ 209,842 $ 91,000
Chesterfield, Virginia 157 $ 59,235,000 $ 377,292 $ 141,000
Spartanburg, South Carolina 146 $ 33,320,000 $ 228,219 $ 98,000
Cobb, Georgia 145 $ 61,255,000 $ 422,448 $ 169,000
Union, North Carolina 142 $ 71,800,000 $ 505,633 $ 218,000
Gaston, North Carolina 141 $ 43,305,000 $ 307,127 $ 115,000
Brunswick, North Carolina 140 $ 51,950,000 $ 371,071 $ 150,000
Richmond City, Virginia 139 $ 52,055,000 $ 374,496 $ 157,000
Albemarle, Virginia 136 $ 63,650,000 $ 468,014 $ 168,000
Greenwood, South Carolina 135 $ 23,445,000 $ 173,666 $ 77,000
Henrico, Virginia 134 $ 47,950,000 $ 357,835 $ 133,000
Rockingham, North Carolina 132 $ 23,880,000 $ 180,909 $ 78,000
James City, Virginia 130 $ 49,800,000 $ 383,076 $ 153,000
York, Virginia 129 $ 50,995,000 $ 395,310 $ 150,000
Rowan, North Carolina 125 $ 30,735,000 $ 245,880 $ 91,000
Craven, North Carolina 122 $ 30,550,000 $ 250,409 $ 108,000
Henderson, North Carolina 117 $ 38,445,000 $ 328,589 $ 117,000
Cabarrus, North Carolina 115 $ 37,905,000 $ 329,608 $ 130,000
DeKalb, Georgia 112 $ 48,080,000 $ 429,285 $ 177,000
Surry, North Carolina 110 $ 19,830,000 $ 180,272 $ 93,000
Anderson, South Carolina 109 $ 21,605,000 $ 198,211 $ 99,000
Wake, North Carolina 107 $ 41,655,000 $ 389,299 $ 190,000
Alamance, North Carolina 104 $ 25,100,000 $ 241,346 $ 102,000
Rutherford, North Carolina 102 $ 19,940,000 $ 195,490 $ 90,000
Horry, South Carolina 102 $ 35,600,000 $ 349,019 $ 142,000
Franklin, Virginia 101 $ 26,785,000 $ 265,198 $ 119,000
Bedford, Virginia 99 $ 26,235,000 $ 265,000 $ 105,000
Gloucester, Virginia 99 $ 32,375,000 $ 327,020 $ 111,000
Pulaski, Virginia 99 $ 15,465,000 $ 156,212 $ 77,000
Cumberland, North Carolina 96 $ 20,890,000 $ 217,604 $ 86,000
Caldwell, North Carolina 93 $ 19,905,000 $ 214,032 $ 99,000
York, South Carolina 87 $ 39,435,000 $ 453,275 $ 176,000
Lexington, South Carolina 86 $ 25,130,000 $ 292,209 $ 135,000
Barren, Kentucky 83 $ 15,425,000 $ 185,843 $ 77,000
Salem, Virginia 81 $ 20,185,000 $ 249,197 $ 96,000
Lincoln, North Carolina 79 $ 24,405,000 $ 308,924 $ 119,000
Johnston, North Carolina 78 $ 21,970,000 $ 281,666 $ 101,000
Gwinnett, Georgia 76 $ 25,610,000 $ 336,973 $ 132,000
Stokes, North Carolina 76 $ 17,470,000 $ 229,868 $ 94,000
Halifax, North Carolina 75 $ 12,355,000 $ 164,733 $ 75,000
Davie, North Carolina 71 $ 18,385,000 $ 258,943 $ 97,000
McDowell, North Carolina 67 $ 17,335,000 $ 258,731 $ 129,000
Harnett, North Carolina 66 $ 14,060,000 $ 213,030 $ 87,000
Wythe, Virginia 66 $ 12,090,000 $ 183,181 $ 83,000
Isle of Wight, Virginia 64 $ 20,610,000 $ 322,031 $ 113,000
Montgomery, Virginia 64 $ 16,000,000 $ 250,000 $ 120,000
Prince William, Virginia 63 $ 35,435,000 $ 562,460 $ 157,000
Pender, North Carolina 62 $ 22,530,000 $ 363,387 $ 165,000
Campbell, Virginia 62 $ 12,340,000 $ 199,032 $ 80,000
Prince George's, Maryland 58 $ 23,000,000 $ 396,551 $ 143,000
Alexander, North Carolina 58 $ 13,690,000 $ 236,034 $ 91,000
Yadkin, North Carolina 57 $ 12,365,000 $ 216,929 $ 96,000
Marion, Indiana 54 $ 14,750,000 $ 273,148 $ 126,000
Columbia, Florida 52 $ 10,350,000 $ 199,038 $ 90,000
Laurens, South Carolina 52 $ 9,590,000 $ 184,423 $ 81,000
Cleveland, North Carolina 51 $ 10,495,000 $ 205,784 $ 85,000
Wilkes, North Carolina 51 $ 8,195,000 $ 160,686 $ 77,000
Carroll, Virginia 51 $ 10,415,000 $ 204,215 $ 91,000
Bibb, Georgia 50 $ 7,390,000 $ 147,800 $ 86,000
Pickens, South Carolina 50 $ 10,680,000 $ 213,600 $ 91,000
Onslow, North Carolina 49 $ 16,265,000 $ 331,938 $ 135,000
Richland, South Carolina 47 $ 11,765,000 $ 250,319 $ 98,000
Lynchburg, Virginia 47 $ 8,835,000 $ 187,978 $ 97,000
Calhoun, Alabama 46 $ 8,660,000 $ 188,260 $ 83,000
Nash, North Carolina 46 $ 9,010,000 $ 195,869 $ 93,000
Houston, Georgia 44 $ 10,000,000 $ 227,272 $ 95,000
Hanover, Virginia 44 $ 18,690,000 $ 424,772 $ 153,000
Carteret, North Carolina 43 $ 14,095,000 $ 327,790 $ 164,000
Botetourt, Virginia 43 $ 13,305,000 $ 309,418 $ 135,000
Madison, Alabama 41 $ 11,745,000 $ 286,463 $ 119,000
Haywood, North Carolina 41 $ 14,025,000 $ 342,073 $ 150,000
Orange, Florida 40 $ 13,810,000 $ 345,250 $ 176,000
Spotsylvania, Virginia 40 $ 16,380,000 $ 409,500 $ 161,000
Cherokee, Georgia 39 $ 16,075,000 $ 412,179 $ 159,000
Alexandria, Virginia 39 $ 19,095,000 $ 489,615 $ 190,000
Simpson, Kentucky 38 $ 9,300,000 $ 244,736 $ 92,000
Baltimore, Maryland 38 $ 9,730,000 $ 256,052 $ 98,000
Louisa, Virginia 38 $ 14,080,000 $ 370,526 $ 152,000
Stafford, Virginia 38 $ 19,840,000 $ 522,105 $ 134,000
District of Columbia, District Of Columbia 36 $ 19,490,000 $ 541,388 $ 166,000
Douglas, Georgia 36 $ 8,200,000 $ 227,777 $ 102,000
Allen, Kentucky 36 $ 5,870,000 $ 163,055 $ 80,000
Walker, Georgia 34 $ 6,420,000 $ 188,823 $ 71,000
Loudoun, Virginia 34 $ 21,230,000 $ 624,411 $ 221,000
Poquoson, Virginia 34 $ 13,930,000 $ 409,705 $ 145,000
Stanly, North Carolina 33 $ 8,995,000 $ 272,575 $ 90,000
Lancaster, South Carolina 33 $ 11,025,000 $ 334,090 $ 143,000
Arlington, Virginia 33 $ 20,295,000 $ 615,000 $ 275,000
Montgomery, Maryland 32 $ 16,540,000 $ 516,875 $ 165,000
Abbeville, South Carolina 32 $ 6,120,000 $ 191,250 $ 72,000
Lenoir, North Carolina 31 $ 5,135,000 $ 165,645 $ 73,000
Charlottesville, Virginia 31 $ 13,735,000 $ 443,064 $ 88,000
Paulding, Georgia 30 $ 9,020,000 $ 300,666 $ 99,000
Logan, Kentucky 30 $ 6,700,000 $ 223,333 $ 85,000
Chatham, North Carolina 30 $ 9,990,000 $ 333,000 $ 113,000
Durham, North Carolina 30 $ 8,500,000 $ 283,333 $ 129,000
Lee, North Carolina 30 $ 7,640,000 $ 254,666 $ 95,000
Pittsylvania, Virginia 29 $ 5,015,000 $ 172,931 $ 76,000
Alleghany, North Carolina 28 $ 4,540,000 $ 162,142 $ 91,000
Currituck, North Carolina 28 $ 13,440,000 $ 480,000 $ 182,000
Mathews, Virginia 28 $ 6,850,000 $ 244,642 $ 90,000
Aiken, South Carolina 27 $ 6,445,000 $ 238,703 $ 97,000
Charleston, South Carolina 27 $ 17,245,000 $ 638,703 $ 310,000
Waynesboro, Virginia 27 $ 7,935,000 $ 293,888 $ 111,000
Beaufort, North Carolina 26 $ 7,070,000 $ 271,923 $ 134,000
Augusta, Virginia 25 $ 7,725,000 $ 309,000 $ 128,000
Osceola, Florida 24 $ 7,330,000 $ 305,416 $ 127,000
Henry, Virginia 24 $ 3,170,000 $ 132,083 $ 58,000
Pasquotank, North Carolina 23 $ 5,525,000 $ 240,217 $ 89,000
Volusia, Florida 22 $ 4,920,000 $ 223,636 $ 105,000
Harford, Maryland 22 $ 7,860,000 $ 357,272 $ 152,000
Moore, North Carolina 22 $ 9,520,000 $ 432,727 $ 164,000
Watauga, North Carolina 22 $ 12,000,000 $ 545,454 $ 379,000
Radford, Virginia 22 $ 4,870,000 $ 221,363 $ 108,000
Seminole, Florida 21 $ 7,335,000 $ 349,285 $ 145,000
Pamlico, North Carolina 21 $ 7,225,000 $ 344,047 $ 117,000
Wilson, North Carolina 21 $ 2,835,000 $ 135,000 $ 68,000
Hoke, North Carolina 20 $ 4,810,000 $ 240,500 $ 99,000
Grayson, Virginia 20 $ 3,600,000 $ 180,000 $ 75,000
Rockbridge, Virginia 20 $ 5,320,000 $ 266,000 $ 109,000
Coweta, Georgia 19 $ 5,625,000 $ 296,052 $ 108,000
Transylvania, North Carolina 19 $ 6,545,000 $ 344,473 $ 139,000
Smyth, Virginia 19 $ 2,315,000 $ 121,842 $ 61,000
Jefferson, Alabama 18 $ 2,330,000 $ 129,444 $ 81,000
Forsyth, Georgia 18 $ 8,050,000 $ 447,222 $ 167,000
Hart, Kentucky 18 $ 2,980,000 $ 165,555 $ 80,000
Anne Arundel, Maryland 18 $ 8,610,000 $ 478,333 $ 167,000
Avery, North Carolina 18 $ 5,950,000 $ 330,555 $ 160,000
Edgecombe, North Carolina 18 $ 2,680,000 $ 148,888 $ 63,000
Montgomery, North Carolina 18 $ 6,810,000 $ 378,333 $ 220,000
Oconee, South Carolina 18 $ 4,150,000 $ 230,555 $ 152,000
Goochland, Virginia 18 $ 8,620,000 $ 478,888 $ 148,000
Nelson, Virginia 18 $ 4,870,000 $ 270,555 $ 252,000
Fluvanna, Virginia 17 $ 5,625,000 $ 330,882 $ 151,000
Franklin City, Virginia 17 $ 3,685,000 $ 216,764 $ 88,000
Dare, North Carolina 16 $ 8,230,000 $ 514,375 $ 232,000
Perquimans, North Carolina 16 $ 4,340,000 $ 271,250 $ 90,000
Yancey, North Carolina 16 $ 3,570,000 $ 223,125 $ 95,000
Galax, Virginia 16 $ 2,640,000 $ 165,000 $ 68,000
New Kent, Virginia 16 $ 7,400,000 $ 462,500 $ 191,000
Petersburg, Virginia 16 $ 3,190,000 $ 199,375 $ 86,000
Staunton, Virginia 16 $ 3,240,000 $ 202,500 $ 69,000
Baltimore City, Maryland 15 $ 3,555,000 $ 237,000 $ 114,000
Duplin, North Carolina 15 $ 2,305,000 $ 153,666 $ 53,000
Franklin, North Carolina 15 $ 3,655,000 $ 243,666 $ 108,000
Northampton, North Carolina 15 $ 2,305,000 $ 153,666 $ 84,000
Sampson, North Carolina 15 $ 3,985,000 $ 265,666 $ 118,000
Warren, North Carolina 15 $ 5,675,000 $ 378,333 $ 283,000
Berkeley, South Carolina 15 $ 4,405,000 $ 293,666 $ 121,000
Greene, Tennessee 15 $ 3,655,000 $ 243,666 $ 94,000
Appomattox, Virginia 15 $ 3,225,000 $ 215,000 $ 104,000
Southampton, Virginia 15 $ 4,335,000 $ 289,000 $ 105,000
Charles, Maryland 14 $ 7,710,000 $ 550,714 $ 167,000
Madison, North Carolina 14 $ 5,330,000 $ 380,714 $ 134,000
Mitchell, North Carolina 14 $ 2,520,000 $ 180,000 $ 67,000
Floyd, Virginia 14 $ 4,360,000 $ 311,428 $ 124,000
Greene, Virginia 14 $ 5,330,000 $ 380,714 $ 157,000
King George, Virginia 14 $ 6,700,000 $ 478,571 $ 148,000
Powhatan, Virginia 14 $ 6,810,000 $ 486,428 $ 177,000
Talladega, Alabama 13 $ 2,675,000 $ 205,769 $ 64,000
Henry, Georgia 13 $ 3,695,000 $ 284,230 $ 105,000
Polk, North Carolina 13 $ 5,465,000 $ 420,384 $ 179,000
Dorchester, South Carolina 13 $ 3,045,000 $ 234,230 $ 186,000
Newberry, South Carolina 13 $ 3,765,000 $ 289,615 $ 157,000
Hamilton, Tennessee 13 $ 4,005,000 $ 308,076 $ 93,000
Dinwiddie, Virginia 13 $ 2,995,000 $ 230,384 $ 81,000
Giles, Virginia 13 $ 2,425,000 $ 186,538 $ 108,000
Glynn, Georgia 12 $ 8,790,000 $ 732,500 $ 428,000
Caswell, North Carolina 12 $ 2,010,000 $ 167,500 $ 85,000
Columbus, North Carolina 12 $ 3,170,000 $ 264,166 $ 127,000
Caroline, Virginia 12 $ 3,880,000 $ 323,333 $ 98,000
Fauquier, Virginia 12 $ 5,770,000 $ 480,833 $ 165,000
Mecklenburg, Virginia 12 $ 3,010,000 $ 250,833 $ 113,000
Patrick, Virginia 12 $ 2,220,000 $ 185,000 $ 78,000
Hillsborough, Florida 11 $ 3,885,000 $ 353,181 $ 502,000
Clayton, Georgia 11 $ 1,905,000 $ 173,181 $ 89,000
Columbia, Georgia 11 $ 3,555,000 $ 323,181 $ 108,000
Crawford, Georgia 11 $ 1,725,000 $ 156,818 $ 85,000
Jackson, Georgia 11 $ 4,325,000 $ 393,181 $ 166,000
Hamilton, Indiana 11 $ 4,075,000 $ 370,454 $ 170,000
Frederick, Maryland 11 $ 4,055,000 $ 368,636 $ 126,000
King William, Virginia 11 $ 2,865,000 $ 260,454 $ 78,000
Northampton, Virginia 11 $ 4,245,000 $ 385,909 $ 181,000
Orange, Virginia 11 $ 4,195,000 $ 381,363 $ 104,000
Prince George, Virginia 11 $ 3,635,000 $ 330,454 $ 99,000
Sussex, Virginia 11 $ 2,095,000 $ 190,454 $ 86,000
Limestone, Alabama 10 $ 2,720,000 $ 272,000 $ 129,000
Pinellas, Florida 10 $ 3,160,000 $ 316,000 $ 206,000
Edmonson, Kentucky 10 $ 2,130,000 $ 213,000 $ 89,000
Granville, North Carolina 10 $ 2,260,000 $ 226,000 $ 82,000
Martin, North Carolina 10 $ 1,310,000 $ 131,000 $ 71,000
Person, North Carolina 10 $ 2,410,000 $ 241,000 $ 79,000
Cherokee, South Carolina 10 $ 1,450,000 $ 145,000 $ 260,000
Georgetown, South Carolina 10 $ 2,860,000 $ 286,000 $ 136,000
Union, South Carolina 10 $ 1,050,000 $ 105,000 $ 45,000
Hopewell, Virginia 10 $ 1,380,000 $ 138,000 $ 59,000
Morgan, Alabama 9 $ 2,205,000 $ 245,000 $ 120,000
Chattooga, Georgia 9 $ 2,015,000 $ 223,888 $ 95,000
Pulaski, Kentucky 9 $ 1,355,000 $ 150,555 $ 69,000
Jones, North Carolina 9 $ 2,055,000 $ 228,333 $ 108,000
Orange, North Carolina 9 $ 3,025,000 $ 336,111 $ 142,000
Beaufort, South Carolina 9 $ 6,955,000 $ 772,777 $ 401,000
Brunswick, Virginia 9 $ 1,515,000 $ 168,333 $ 70,000
Buena Vista, Virginia 9 $ 2,255,000 $ 250,555 $ 112,000
Charles City, Virginia 9 $ 2,525,000 $ 280,555 $ 108,000
King and Queen, Virginia 9 $ 2,765,000 $ 307,222 $ 122,000
Middlesex, Virginia 9 $ 3,055,000 $ 339,444 $ 144,000
Levy, Florida 8 $ 1,930,000 $ 241,250 $ 79,000
Suwannee, Florida 8 $ 1,680,000 $ 210,000 $ 97,000
Carroll, Georgia 8 $ 1,660,000 $ 207,500 $ 58,000
Chatham, Georgia 8 $ 3,740,000 $ 467,500 $ 201,000
Richmond, Georgia 8 $ 1,160,000 $ 145,000 $ 78,000
Butler, Kentucky 8 $ 1,300,000 $ 162,500 $ 70,000
Metcalfe, Kentucky 8 $ 1,050,000 $ 131,250 $ 76,000
Calvert, Maryland 8 $ 3,520,000 $ 440,000 $ 168,000
Carroll, Maryland 8 $ 3,970,000 $ 496,250 $ 176,000
Cecil, Maryland 8 $ 3,290,000 $ 411,250 $ 142,000
Ashe, North Carolina 8 $ 2,730,000 $ 341,250 $ 183,000
Bladen, North Carolina 8 $ 970,000 $ 121,250 $ 57,000
Gates, North Carolina 8 $ 2,380,000 $ 297,500 $ 63,000
Jackson, North Carolina 8 $ 1,710,000 $ 213,750 $ 174,000
Davidson, Tennessee 8 $ 2,540,000 $ 317,500 $ 170,000
Knox, Tennessee 8 $ 1,750,000 $ 218,750 $ 127,000
Lancaster, Virginia 8 $ 1,560,000 $ 195,000 $ 89,000
Westmoreland, Virginia 8 $ 3,260,000 $ 407,500 $ 359,000
Williamsburg, Virginia 8 $ 3,530,000 $ 441,250 $ 137,000
Sussex, Delaware 7 $ 2,595,000 $ 370,714 $ 103,000
Clay, Florida 7 $ 1,545,000 $ 220,714 $ 92,000
Hamilton, Florida 7 $ 1,055,000 $ 150,714 $ 86,000
Catoosa, Georgia 7 $ 1,185,000 $ 169,285 $ 72,000
Rockdale, Georgia 7 $ 1,605,000 $ 229,285 $ 75,000
York, Pennsylvania 7 $ 2,035,000 $ 290,714 $ 92,000
Sevier, Tennessee 7 $ 3,255,000 $ 465,000 $ 207,000
Northumberland, Virginia 7 $ 3,525,000 $ 503,571 $ 205,000
Surry, Virginia 7 $ 1,545,000 $ 220,714 $ 89,000
Jackson, Alabama 6 $ 1,400,000 $ 233,333 $ 170,000
Alachua, Florida 6 $ 810,000 $ 135,000 $ 54,000
Broward, Florida 6 $ 3,660,000 $ 610,000 $ 255,000
Citrus, Florida 6 $ 770,000 $ 128,333 $ 64,000
Duval, Florida 6 $ 1,990,000 $ 331,666 $ 180,000
Lake, Florida 6 $ 2,330,000 $ 388,333 $ 189,000
Palm Beach, Florida 6 $ 6,290,000 $ 1,048,333 $ 549,000
Pasco, Florida 6 $ 1,900,000 $ 316,666 $ 117,000
Polk, Florida 6 $ 1,350,000 $ 225,000 $ 95,000
Hall, Georgia 6 $ 2,320,000 $ 386,666 $ 134,000
Newton, Georgia 6 $ 1,170,000 $ 195,000 $ 82,000
Jefferson, Kentucky 6 $ 1,520,000 $ 253,333 $ 105,000
Chowan, North Carolina 6 $ 1,600,000 $ 266,666 $ 119,000
Greene, North Carolina 6 $ 1,320,000 $ 220,000 $ 86,000
Robeson, North Carolina 6 $ 550,000 $ 91,666 $ 62,000
Kershaw, South Carolina 6 $ 1,610,000 $ 268,333 $ 124,000
McCormick, South Carolina 6 $ 1,450,000 $ 241,666 $ 100,000
Orangeburg, South Carolina 6 $ 1,480,000 $ 246,666 $ 135,000
Charlotte, Virginia 6 $ 1,130,000 $ 188,333 $ 117,000
Danville, Virginia 6 $ 660,000 $ 110,000 $ 150,000
Frederick, Virginia 6 $ 2,800,000 $ 466,666 $ 176,000
Etowah, Alabama 5 $ 955,000 $ 191,000 $ 100,000
Charlotte, Florida 5 $ 2,075,000 $ 415,000 $ 147,000
Clarke, Georgia 5 $ 1,495,000 $ 299,000 $ 325,000
Dawson, Georgia 5 $ 2,135,000 $ 427,000 $ 156,000
Floyd, Georgia 5 $ 885,000 $ 177,000 $ 71,000
Jones, Georgia 5 $ 785,000 $ 157,000 $ 114,000
Peach, Georgia 5 $ 645,000 $ 129,000 $ 58,000
Spalding, Georgia 5 $ 615,000 $ 123,000 $ 65,000
Cherokee, North Carolina 5 $ 1,325,000 $ 265,000 $ 140,000
Macon, North Carolina 5 $ 1,845,000 $ 369,000 $ 378,000
Lancaster, Pennsylvania 5 $ 1,425,000 $ 285,000 $ 100,000
Chesterfield, South Carolina 5 $ 1,055,000 $ 211,000 $ 59,000
Sumter, South Carolina 5 $ 1,365,000 $ 273,000 $ 116,000
Accomack, Virginia 5 $ 1,315,000 $ 263,000 $ 89,000
Amherst, Virginia 5 $ 1,015,000 $ 203,000 $ 108,000
Colonial Heights, Virginia 5 $ 1,435,000 $ 287,000 $ 104,000
Craig, Virginia 5 $ 1,685,000 $ 337,000 $ 132,000
Fairfax City, Virginia 5 $ 2,465,000 $ 493,000 $ 201,000
Halifax, Virginia 5 $ 545,000 $ 109,000 $ 82,000
Manassas, Virginia 5 $ 2,275,000 $ 455,000 $ 272,000
Prince Edward, Virginia 5 $ 875,000 $ 175,000 $ 75,000
Tazewell, Virginia 5 $ 2,245,000 $ 449,000 $ 198,000
Russell, Alabama 4 $ 560,000 $ 140,000 $ 212,000
Shelby, Alabama 4 $ 1,250,000 $ 312,500 $ 51,000
Dixie, Florida 4 $ 660,000 $ 165,000 $ 51,000
Marion, Florida 4 $ 990,000 $ 247,500 $ 121,000
Putnam, Florida 4 $ 730,000 $ 182,500 $ 101,000
Sumter, Florida 4 $ 950,000 $ 237,500 $ 147,000
Walton, Florida 4 $ 1,620,000 $ 405,000 $ 225,000
Barrow, Georgia 4 $ 1,240,000 $ 310,000 $ 95,000
Bartow, Georgia 4 $ 790,000 $ 197,500 $ 107,000
Monroe, Georgia 4 $ 570,000 $ 142,500 $ 73,000
Pickens, Georgia 4 $ 690,000 $ 172,500 $ 134,000
Polk, Georgia 4 $ 610,000 $ 152,500 $ 126,000
Pulaski, Georgia 4 $ 890,000 $ 222,500 $ 154,000
Walton, Georgia 4 $ 1,310,000 $ 327,500 $ 116,000
Whitfield, Georgia 4 $ 980,000 $ 245,000 $ 80,000
Hancock, Indiana 4 $ 1,600,000 $ 400,000 $ 121,000
Hendricks, Indiana 4 $ 1,010,000 $ 252,500 $ 239,000
Hardin, Kentucky 4 $ 590,000 $ 147,500 $ 85,000
Camden, North Carolina 4 $ 1,910,000 $ 477,500 $ 174,000
Scotland, North Carolina 4 $ 600,000 $ 150,000 $ 49,000
Vance, North Carolina 4 $ 760,000 $ 190,000 $ 99,000
Jasper, South Carolina 4 $ 1,310,000 $ 327,500 $ 147,000
Washington, Tennessee 4 $ 750,000 $ 187,500 $ 79,000
Bland, Virginia 4 $ 610,000 $ 152,500 $ 56,000
Fredericksburg, Virginia 4 $ 2,210,000 $ 552,500 $ 198,000
Martinsville, Virginia 4 $ 350,000 $ 87,500 $ 51,000
Nottoway, Virginia 4 $ 590,000 $ 147,500 $ 50,000
Page, Virginia 4 $ 1,410,000 $ 352,500 $ 108,000
Russell, Virginia 4 $ 620,000 $ 155,000 $ 78,000
Washington, Virginia 4 $ 930,000 $ 232,500 $ 52,000
Cullman, Alabama 3 $ 1,975,000 $ 658,333 $ 187,000
DeKalb, Alabama 3 $ 425,000 $ 141,666 $ 78,000
Lawrence, Alabama 3 $ 335,000 $ 111,666 $ 53,000
Marshall, Alabama 3 $ 1,935,000 $ 645,000 $ 114,000
Tuscaloosa, Alabama 3 $ 715,000 $ 238,333 $ 239,000
Bay, Florida 3 $ 2,295,000 $ 765,000 $ 413,000
Brevard, Florida 3 $ 1,225,000 $ 408,333 $ 110,000
Manatee, Florida 3 $ 1,505,000 $ 501,666 $ 320,000
Camden, Georgia 3 $ 845,000 $ 281,666 $ 166,000
Fayette, Georgia 3 $ 1,175,000 $ 391,666 $ 160,000
Laurens, Georgia 3 $ 165,000 $ 55,000 $ 73,000
Morgan, Georgia 3 $ 1,925,000 $ 641,666 $ 286,000
Troup, Georgia 3 $ 365,000 $ 121,666 $ 52,000
Fayette, Kentucky 3 $ 975,000 $ 325,000 $ 227,000
Grayson, Kentucky 3 $ 765,000 $ 255,000 $ 111,000
Hopkins, Kentucky 3 $ 355,000 $ 118,333 $ 63,000
McCracken, Kentucky 3 $ 405,000 $ 135,000 $ 75,000
Mercer, Kentucky 3 $ 525,000 $ 175,000 $ 76,000
Muhlenberg, Kentucky 3 $ 555,000 $ 185,000 $ 81,000
Wicomico, Maryland 3 $ 415,000 $ 138,333 $ 63,000
Hyde, North Carolina 3 $ 895,000 $ 298,333 $ 314,000
Richmond, North Carolina 3 $ 755,000 $ 251,666 $ 73,000
Philadelphia, Pennsylvania 3 $ 605,000 $ 201,666 $ 163,000
Colleton, South Carolina 3 $ 855,000 $ 285,000 $ 100,000
Fairfield, South Carolina 3 $ 965,000 $ 321,666 $ 164,000
Saluda, South Carolina 3 $ 635,000 $ 211,666 $ 103,000
Wilson, Tennessee 3 $ 1,555,000 $ 518,333 $ 251,000
Montgomery, Texas 3 $ 1,305,000 $ 435,000 $ 187,000
Amelia, Virginia 3 $ 985,000 $ 328,333 $ 89,000
Buckingham, Virginia 3 $ 575,000 $ 191,666 $ 51,000
Culpeper, Virginia 3 $ 1,445,000 $ 481,666 $ 129,000
Cumberland, Virginia 3 $ 1,525,000 $ 508,333 $ 158,000
Falls Church, Virginia 3 $ 2,505,000 $ 835,000 $ 303,000
Greensville, Virginia 3 $ 625,000 $ 208,333 $ 53,000
Lexington, Virginia 3 $ 885,000 $ 295,000 $ 79,000
Rockingham, Virginia 3 $ 835,000 $ 278,333 $ 89,000
Warren, Virginia 3 $ 1,145,000 $ 381,666 $ 132,000
Mobile, Alabama 2 $ 340,000 $ 170,000 $ 76,000
Kent, Delaware 2 $ 810,000 $ 405,000 $ 96,000
Flagler, Florida 2 $ 1,210,000 $ 605,000 $ 50,000
Franklin, Florida 2 $ 910,000 $ 455,000 $ 189,000
Gilchrist, Florida 2 $ 580,000 $ 290,000 $ 119,000
Highlands, Florida 2 $ 260,000 $ 130,000 $ 62,000
Jackson, Florida 2 $ 210,000 $ 105,000 $ 55,000
Lee, Florida 2 $ 470,000 $ 235,000 $ 88,000
Martin, Florida 2 $ 860,000 $ 430,000 $ 128,000
Miami-Dade, Florida 2 $ 2,110,000 $ 1,055,000 $ 440,000
Okaloosa, Florida 2 $ 900,000 $ 450,000 $ 202,000
Sarasota, Florida 2 $ 2,970,000 $ 1,485,000 $ 2,258,000
St. Johns, Florida 2 $ 1,410,000 $ 705,000 $ 462,000
Bleckley, Georgia 2 $ 110,000 $ 55,000 $ 36,000
Crisp, Georgia 2 $ 190,000 $ 95,000 $ 84,000
Dougherty, Georgia 2 $ 400,000 $ 200,000 $ 73,000
Habersham, Georgia 2 $ 940,000 $ 470,000 $ 39,000
Murray, Georgia 2 $ 750,000 $ 375,000 $ 97,000
Union, Georgia 2 $ 350,000 $ 175,000 $ 54,000
White, Georgia 2 $ 370,000 $ 185,000 $ 92,000
Shelby, Indiana 2 $ 620,000 $ 310,000 $ 126,000
Boyle, Kentucky 2 $ 560,000 $ 280,000 $ 105,000
Clinton, Kentucky 2 $ 100,000 $ 50,000 $ 59,000
Estill, Kentucky 2 $ 200,000 $ 100,000 $ 63,000
Green, Kentucky 2 $ 180,000 $ 90,000 $ 46,000
Lewis, Kentucky 2 $ 630,000 $ 315,000 $ 124,000
Lincoln, Kentucky 2 $ 650,000 $ 325,000 $ 106,000
Meade, Kentucky 2 $ 750,000 $ 375,000 $ 76,000
Monroe, Kentucky 2 $ 360,000 $ 180,000 $ 22,000
Montgomery, Kentucky 2 $ 690,000 $ 345,000 $ 96,000
Nelson, Kentucky 2 $ 600,000 $ 300,000 $ 156,000
Ohio, Kentucky 2 $ 600,000 $ 300,000 $ 91,000
St. Mary's, Maryland 2 $ 710,000 $ 355,000 $ 172,000
Anson, North Carolina 2 $ 1,660,000 $ 830,000 $ 317,000
Bertie, North Carolina 2 $ 380,000 $ 190,000 $ 87,000
Allegheny, Pennsylvania 2 $ 590,000 $ 295,000 $ 130,000
Calhoun, South Carolina 2 $ 850,000 $ 425,000 $ 85,000
Darlington, South Carolina 2 $ 660,000 $ 330,000 $ 216,000
Florence, South Carolina 2 $ 550,000 $ 275,000 $ 179,000
Blount, Tennessee 2 $ 740,000 $ 370,000 $ 96,000
Bradley, Tennessee 2 $ 1,370,000 $ 685,000 $ 318,000
Cheatham, Tennessee 2 $ 1,040,000 $ 520,000 $ 277,000
Dickson, Tennessee 2 $ 820,000 $ 410,000 $ 105,000
Shelby, Tennessee 2 $ 980,000 $ 490,000 $ 421,000
Sullivan, Tennessee 2 $ 620,000 $ 310,000 $ 125,000
Unicoi, Tennessee 2 $ 460,000 $ 230,000 $ 127,000
Williamson, Tennessee 2 $ 1,250,000 $ 625,000 $ 210,000
Travis, Texas 2 $ 1,170,000 $ 585,000 $ 221,000
Bristol, Virginia 2 $ 240,000 $ 120,000 $ 46,000
Emporia, Virginia 2 $ 320,000 $ 160,000 $ 80,000
Harrisonburg, Virginia 2 $ 250,000 $ 125,000 $ 63,000
Richmond, Virginia 2 $ 590,000 $ 295,000 $ 176,000
Shenandoah, Virginia 2 $ 500,000 $ 250,000 $ 129,000
Winchester, Virginia 2 $ 900,000 $ 450,000 $ 165,000
Berkeley, West Virginia 2 $ 560,000 $ 280,000 $ 157,000
Jefferson, West Virginia 2 $ 620,000 $ 310,000 $ 153,000
Baldwin, Alabama 1 $ 355,000 $ 355,000 $ 157,000
Barbour, Alabama 1 $ 315,000 $ 315,000 $ 106,000
Blount, Alabama 1 $ 405,000 $ 405,000 $ 193,000
Cleburne, Alabama 1 $ 185,000 $ 185,000 $ 46,000
Coffee, Alabama 1 $ 375,000 $ 375,000 $ 121,000
Elmore, Alabama 1 $ 265,000 $ 265,000 $ 149,000
Randolph, Alabama 1 $ 165,000 $ 165,000 $ 52,000
Tallapoosa, Alabama 1 $ 205,000 $ 205,000 $ 65,000
New Castle, Delaware 1 $ 585,000 $ 585,000 $ 264,000
Collier, Florida 1 $ 365,000 $ 365,000 $ 0
Escambia, Florida 1 $ 285,000 $ 285,000 $ 67,000
Gulf, Florida 1 $ 685,000 $ 685,000 $ 189,000
Madison, Florida 1 $ 335,000 $ 335,000 $ 177,000
Nassau, Florida 1 $ 475,000 $ 475,000 $ 176,000
Taylor, Florida 1 $ 135,000 $ 135,000 $ 0
Wakulla, Florida 1 $ 105,000 $ 105,000 $ 168,000
Ben Hill, Georgia 1 $ 215,000 $ 215,000 $ 127,000
Chattahoochee, Georgia 1 $ 335,000 $ 335,000 $ 226,000
Dade, Georgia 1 $ 1,315,000 $ 1,315,000 $ 341,000
Effingham, Georgia 1 $ 545,000 $ 545,000 $ 158,000
Elbert, Georgia 1 $ 425,000 $ 425,000 $ 174,000
Emanuel, Georgia 1 $ 295,000 $ 295,000 $ 83,000
Fannin, Georgia 1 $ 355,000 $ 355,000 $ 441,000
Gordon, Georgia 1 $ 295,000 $ 295,000 $ 85,000
Hart, Georgia 1 $ 305,000 $ 305,000 $ 68,000
Jasper, Georgia 1 $ 265,000 $ 265,000 $ 53,000
Jefferson, Georgia 1 $ 175,000 $ 175,000 $ 88,000
Lee, Georgia 1 $ 255,000 $ 255,000 $ 89,000
Liberty, Georgia 1 $ 515,000 $ 515,000 $ 191,000
Lumpkin, Georgia 1 $ 285,000 $ 285,000 $ 80,000
McDuffie, Georgia 1 $ 315,000 $ 315,000 $ 101,000
Meriwether, Georgia 1 $ 325,000 $ 325,000 $ 153,000
Miller, Georgia 1 $ 155,000 $ 155,000 $ 59,000
Muscogee, Georgia 1 $ 775,000 $ 775,000 $ 340,000
Oconee, Georgia 1 $ 505,000 $ 505,000 $ 167,000
Putnam, Georgia 1 $ 285,000 $ 285,000 $ 168,000
Randolph, Georgia 1 $ 185,000 $ 185,000 $ 89,000
Stephens, Georgia 1 $ 225,000 $ 225,000 $ 68,000
Sumter, Georgia 1 $ 385,000 $ 385,000 $ 155,000
Tattnall, Georgia 1 $ 125,000 $ 125,000 $ 124,000
Taylor, Georgia 1 $ 125,000 $ 125,000 $ 48,000
Tift, Georgia 1 $ 185,000 $ 185,000 $ 61,000
Towns, Georgia 1 $ 285,000 $ 285,000 $ 145,000
Turner, Georgia 1 $ 225,000 $ 225,000 $ 53,000
Floyd, Indiana 1 $ 205,000 $ 205,000 $ 143,000
Johnson, Indiana 1 $ 335,000 $ 335,000 $ 162,000
Kosciusko, Indiana 1 $ 465,000 $ 465,000 $ 218,000
Madison, Indiana 1 $ 205,000 $ 205,000 $ 75,000
Monroe, Indiana 1 $ 215,000 $ 215,000 $ 83,000
Switzerland, Indiana 1 $ 275,000 $ 275,000 $ 148,000
Wayne, Indiana 1 $ 255,000 $ 255,000 $ 82,000
Adair, Kentucky 1 $ 375,000 $ 375,000 $ 86,000
Bath, Kentucky 1 $ 115,000 $ 115,000 $ 83,000
Breckinridge, Kentucky 1 $ 225,000 $ 225,000 $ 47,000
Bullitt, Kentucky 1 $ 295,000 $ 295,000 $ 73,000
Campbell, Kentucky 1 $ 255,000 $ 255,000 $ 124,000
Casey, Kentucky 1 $ 145,000 $ 145,000 $ 73,000
Christian, Kentucky 1 $ 165,000 $ 165,000 $ 77,000
Daviess, Kentucky 1 $ 375,000 $ 375,000 $ 0
Larue, Kentucky 1 $ 185,000 $ 185,000 $ 35,000
Marion, Kentucky 1 $ 205,000 $ 205,000 $ 187,000
Spencer, Kentucky 1 $ 335,000 $ 335,000 $ 100,000
Taylor, Kentucky 1 $ 325,000 $ 325,000 $ 142,000
Trigg, Kentucky 1 $ 245,000 $ 245,000 $ 101,000
Allegany, Maryland 1 $ 165,000 $ 165,000 $ 62,000
Dorchester, Maryland 1 $ 165,000 $ 165,000 $ 60,000
Howard, Maryland 1 $ 265,000 $ 265,000 $ 215,000
Kent, Maryland 1 $ 245,000 $ 245,000 $ 112,000
Queen Anne's, Maryland 1 $ 245,000 $ 245,000 $ 96,000
Worcester, Maryland 1 $ 335,000 $ 335,000 $ 0
Gloucester, New Jersey 1 $ 305,000 $ 305,000 $ 83,000
Monmouth, New Jersey 1 $ 545,000 $ 545,000 $ 170,000
Morris, New Jersey 1 $ 685,000 $ 685,000 $ 466,000
Clay, North Carolina 1 $ 185,000 $ 185,000 $ 170,000
Hertford, North Carolina 1 $ 75,000 $ 75,000 $ 34,000
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Mortgage Loan Application Detail Totals for Atlantic Bay Mortgage Group in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 15,034 $4,538,000,000 $301,000 $3,595,000 $127,000 $4,755,000
Refinancing 994 $433,870,000 $436,000 $2,505,000 $148,000 $2,196,000
Cash-out Refinancing 902 $284,130,000 $315,000 $2,525,000 $145,000 $4,269,000
Other Purpose 9 $575,000 $63,000 $455,000 $62,000 $124,000
Home Improvement 0 $0 $0 $0 $0 $0
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 11,175 $3,573,055,000 $319,000 $3,595,000 $135,000 $4,324,000
Not Provided 1,853 $600,985,000 $324,000 $2,225,000 $140,000 $4,755,000
Black or African American 1,753 $426,995,000 $243,000 $3,155,000 $97,000 $1,539,000
Hispanic 1,427 $379,795,000 $266,000 $2,235,000 $107,000 $2,823,000
Asian 398 $151,500,000 $380,000 $2,525,000 $148,000 $1,793,000
Not applicable 216 $94,430,000 $437,000 $2,005,000 $0 $0
American Indian or Alaskan Native 99 $25,585,000 $258,000 $1,175,000 $106,000 $409,000
Native Hawaiian or Other Pacific Islander 18 $4,230,000 $235,000 $425,000 $93,000 $207,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 10,522 $3,201,010,000 $304,000 $3,595,000 $146,000 $4,755,000
FHA-insured (Federal Housing Administration) 3,904 $1,058,070,000 $271,000 $815,000 $91,000 $2,196,000
VA-guaranteed (Veterans Administration) 2,214 $929,210,000 $419,000 $2,305,000 $126,000 $1,893,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 299 $68,285,000 $228,000 $405,000 $80,000 $169,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 13,073 $4,080,985,000 $312,000 $3,595,000 $129,000 $4,755,000
Application Withdrawn By Applicant 3,244 $971,610,000 $299,000 $3,505,000 $135,000 $4,324,000
Application Denied By Financial Institution 252 $57,840,000 $229,000 $955,000 $81,000 $361,000
Loan Purchased By The Institution 216 $94,430,000 $437,000 $2,005,000 $0 $0
Application Approved But Not Accepted 145 $47,605,000 $328,000 $2,885,000 $117,000 $692,000
Preapproval Approved but not Accepted 7 $3,975,000 $567,000 $1,605,000 $307,000 $1,201,000
Preapproval Denied by Financial Institution 2 $130,000 $65,000 $115,000 $43,000 $43,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 16,685 $5,198,605,000 $311,000 $3,595,000 $130,000 $4,755,000
Debt-To-Income Ratio 77 $17,245,000 $223,000 $805,000 $69,000 $361,000
Credit History 50 $10,750,000 $215,000 $455,000 $82,000 $181,000
Unverifiable Information 37 $10,245,000 $276,000 $685,000 $94,000 $200,000
Other 27 $5,675,000 $210,000 $555,000 $79,000 $144,000
Insufficient Cash (Downpayment, Closing Cost) 26 $5,360,000 $206,000 $935,000 $77,000 $217,000
Collateral 25 $6,395,000 $255,000 $955,000 $107,000 $315,000
Employment History 11 $2,065,000 $187,000 $385,000 $69,000 $108,000
Mortgage Insurance Denied 1 $235,000 $235,000 $235,000 $49,000 $49,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Bay Mortgage Group's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Atlantic Bay Mortgage Group's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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