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records Atlantic Bay Mortgage Group filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 2,475 | $ 576,155,000 | $ 232,789 | $ 105,817 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2,400 | $ 799,120,000 | $ 332,966 | $ 124,550 |
| Charlotte-Concord-Gastonia, NC-SC | 1,887 | $ 853,765,000 | $ 452,445 | $ 194,155 |
| Winston-Salem, NC | 1,232 | $ 273,410,000 | $ 221,923 | $ 96,000 |
| Greensboro-High Point, NC | 949 | $ 203,985,000 | $ 214,947 | $ 92,000 |
| Roanoke, VA | 708 | $ 177,110,000 | $ 250,155 | $ 110,000 |
| Hickory-Lenoir-Morganton, NC | 637 | $ 140,205,000 | $ 220,102 | $ 98,000 |
| Richmond, VA | 620 | $ 224,630,000 | $ 362,306 | $ 138,000 |
| Atlanta-Sandy Springs-Roswell, GA | 506 | $ 206,470,000 | $ 408,043 | $ 171,000 |
| Arlington-Alexandria-Reston, VA-WV | 470 | $ 269,730,000 | $ 573,893 | $ 191,834 |
| Greenville-Anderson-Mauldin, SC | 432 | $ 100,060,000 | $ 231,620 | $ 102,000 |
| Wilmington, NC | 417 | $ 163,285,000 | $ 391,570 | $ 174,000 |
| Asheville, NC | 378 | $ 135,620,000 | $ 358,783 | $ 146,000 |
| Bowling Green, KY | 279 | $ 69,925,000 | $ 250,627 | $ 96,000 |
| Lynchburg, VA | 228 | $ 51,650,000 | $ 226,535 | $ 96,000 |
| Marietta, GA | 218 | $ 87,140,000 | $ 399,724 | $ 156,000 |
| Charlottesville, VA | 216 | $ 93,210,000 | $ 431,527 | $ 189,000 |
| Blacksburg-Christiansburg-Radford, VA | 212 | $ 43,120,000 | $ 203,396 | $ 98,000 |
| Raleigh, NC | 200 | $ 67,280,000 | $ 336,400 | $ 149,000 |
| Greenville, NC | 187 | $ 41,735,000 | $ 223,181 | $ 110,000 |
| Goldsboro, NC | 161 | $ 35,685,000 | $ 221,645 | $ 95,000 |
| Spartanburg, SC | 156 | $ 34,370,000 | $ 220,320 | $ 94,000 |
| Columbia, SC | 147 | $ 40,955,000 | $ 278,605 | $ 122,000 |
| Fayetteville, NC | 116 | $ 25,700,000 | $ 221,551 | $ 88,000 |
| Washington, DC-MD | 108 | $ 50,200,000 | $ 464,814 | $ 154,000 |
| Burlington, NC | 104 | $ 25,100,000 | $ 241,346 | $ 102,000 |
| Baltimore-Columbia-Towson, MD | 103 | $ 34,235,000 | $ 332,378 | $ 131,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 102 | $ 35,600,000 | $ 349,019 | $ 142,000 |
| Orlando-Kissimmee-Sanford, FL | 91 | $ 30,805,000 | $ 338,516 | $ 157,000 |
| Durham-Chapel Hill, NC | 79 | $ 23,925,000 | $ 302,848 | $ 118,000 |
| Indianapolis-Carmel-Anderson, IN | 77 | $ 22,595,000 | $ 293,441 | $ 138,000 |
| Macon-Bibb County, GA | 70 | $ 10,470,000 | $ 149,571 | $ 87,000 |
| Staunton-Waynesboro, VA | 68 | $ 18,900,000 | $ 277,941 | $ 106,000 |
| Rocky Mount, NC | 64 | $ 11,690,000 | $ 182,656 | $ 85,000 |
| Chattanooga, TN-GA | 56 | $ 13,120,000 | $ 234,285 | $ 80,250 |
| Charleston-North Charleston, SC | 55 | $ 24,695,000 | $ 449,000 | $ 229,000 |
| Huntsville, AL | 51 | $ 14,465,000 | $ 283,627 | $ 121,000 |
| Jacksonville, NC | 49 | $ 16,265,000 | $ 331,938 | $ 135,000 |
| Warner Robins, GA | 49 | $ 10,645,000 | $ 217,244 | $ 91,000 |
| Augusta-Richmond County, GA-SC | 48 | $ 11,730,000 | $ 244,375 | $ 96,000 |
| Anniston-Oxford-Jacksonville, AL | 46 | $ 8,660,000 | $ 188,260 | $ 83,000 |
| Washington-Baltimore-Arlington, DC | 43 | $ 20,595,000 | $ 478,953 | $ 155,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 24 | $ 6,130,000 | $ 255,416 | $ 101,000 |
| Birmingham-Hoover, AL | 23 | $ 3,985,000 | $ 173,260 | $ 81,000 |
| Pinehurst-Southern Pines, NC | 22 | $ 9,520,000 | $ 432,727 | $ 164,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 20 | $ 8,690,000 | $ 434,500 | $ 188,000 |
| Tampa, FL | 17 | $ 5,785,000 | $ 340,294 | $ 382,000 |
| Gainesville, FL | 16 | $ 3,320,000 | $ 207,500 | $ 74,000 |
| Jacksonville, FL | 16 | $ 5,420,000 | $ 338,750 | $ 176,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 13 | $ 8,265,000 | $ 635,769 | $ 323,000 |
| Louisville/Jefferson County, KY-IN | 13 | $ 3,705,000 | $ 285,000 | $ 108,846 |
| Brunswick, GA | 12 | $ 8,790,000 | $ 732,500 | $ 428,000 |
| Decatur, AL | 12 | $ 2,540,000 | $ 211,666 | $ 104,000 |
| Knoxville, TN | 11 | $ 2,905,000 | $ 264,090 | $ 119,000 |
| Lexington Park, MD | 10 | $ 4,230,000 | $ 423,000 | $ 168,000 |
| St. Petersburg-Clearwater-Largo, FL | 10 | $ 3,160,000 | $ 316,000 | $ 206,000 |
| Savannah, GA | 9 | $ 4,285,000 | $ 476,111 | $ 196,000 |
| Wilmington, DE-MD-NJ | 9 | $ 3,875,000 | $ 430,555 | $ 155,555 |
| Kingsport-Bristol-Bristol, TN-VA | 8 | $ 1,790,000 | $ 223,750 | $ 68,750 |
| Winchester, VA-WV | 8 | $ 3,700,000 | $ 462,500 | $ 173,000 |
| York-Hanover, PA | 7 | $ 2,035,000 | $ 290,714 | $ 92,000 |
| Athens-Clarke County, GA | 6 | $ 2,000,000 | $ 333,333 | $ 299,000 |
| Columbus, GA-AL | 6 | $ 1,670,000 | $ 278,333 | $ 235,666 |
| Crestview-Fort Walton Beach-Destin, FL | 6 | $ 2,520,000 | $ 420,000 | $ 217,000 |
| Dalton, GA | 6 | $ 1,730,000 | $ 288,333 | $ 86,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 3,660,000 | $ 610,000 | $ 255,000 |
| Gainesville, GA | 6 | $ 2,320,000 | $ 386,666 | $ 134,000 |
| Homosassa Springs, FL | 6 | $ 770,000 | $ 128,333 | $ 64,000 |
| Johnson City, TN | 6 | $ 1,210,000 | $ 201,666 | $ 95,000 |
| Lakeland-Winter Haven, FL | 6 | $ 1,350,000 | $ 225,000 | $ 95,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 6,290,000 | $ 1,048,333 | $ 549,000 |
| Elizabethtown-Fort Knox, KY | 5 | $ 775,000 | $ 155,000 | $ 75,000 |
| Gadsden, AL | 5 | $ 955,000 | $ 191,000 | $ 100,000 |
| Harrisonburg, VA | 5 | $ 1,085,000 | $ 217,000 | $ 79,000 |
| Lancaster, PA | 5 | $ 1,425,000 | $ 285,000 | $ 100,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 4,475,000 | $ 895,000 | $ 1,095,000 |
| Punta Gorda, FL | 5 | $ 2,075,000 | $ 415,000 | $ 147,000 |
| Rome, GA | 5 | $ 885,000 | $ 177,000 | $ 71,000 |
| Sumter, SC | 5 | $ 1,365,000 | $ 273,000 | $ 116,000 |
| Florence, SC | 4 | $ 1,210,000 | $ 302,500 | $ 197,000 |
| Ocala, FL | 4 | $ 990,000 | $ 247,500 | $ 121,000 |
| Wildwood-The Villages, FL | 4 | $ 950,000 | $ 237,500 | $ 147,000 |
| Albany, GA | 3 | $ 655,000 | $ 218,333 | $ 78,000 |
| Austin-Round Rock, TX | 3 | $ 1,485,000 | $ 495,000 | $ 147,000 |
| Clarksville, TN-KY | 3 | $ 855,000 | $ 285,000 | $ 127,666 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 1,305,000 | $ 435,000 | $ 187,000 |
| Lexington-Fayette, KY | 3 | $ 975,000 | $ 325,000 | $ 227,000 |
| Paducah, KY-IL | 3 | $ 405,000 | $ 135,000 | $ 75,000 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 1,225,000 | $ 408,333 | $ 110,000 |
| Panama City, FL | 3 | $ 2,295,000 | $ 765,000 | $ 413,000 |
| Philadelphia, PA | 3 | $ 605,000 | $ 201,666 | $ 163,000 |
| Pittsburgh, PA | 3 | $ 805,000 | $ 268,333 | $ 140,000 |
| Salisbury, MD-DE | 3 | $ 415,000 | $ 138,333 | $ 63,000 |
| Tuscaloosa, AL | 3 | $ 715,000 | $ 238,333 | $ 239,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 470,000 | $ 235,000 | $ 88,000 |
| Cleveland, TN | 2 | $ 1,370,000 | $ 685,000 | $ 318,000 |
| Dover, DE | 2 | $ 810,000 | $ 405,000 | $ 96,000 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 560,000 | $ 280,000 | $ 157,000 |
| Memphis, TN-MS-AR | 2 | $ 980,000 | $ 490,000 | $ 421,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 2,110,000 | $ 1,055,000 | $ 440,000 |
| Mobile, AL | 2 | $ 340,000 | $ 170,000 | $ 76,000 |
| Port St. Lucie, FL | 2 | $ 860,000 | $ 430,000 | $ 128,000 |
| Sebring, FL | 2 | $ 260,000 | $ 130,000 | $ 62,000 |
| Bloomington, IN | 1 | $ 215,000 | $ 215,000 | $ 83,000 |
| Camden, NJ | 1 | $ 305,000 | $ 305,000 | $ 83,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 545,000 | $ 545,000 | $ 247,000 |
| Cincinnati, OH-KY-IN | 1 | $ 255,000 | $ 255,000 | $ 124,000 |
| Dallas-Plano-Irving, TX | 1 | $ 405,000 | $ 405,000 | $ 188,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 355,000 | $ 355,000 | $ 157,000 |
| Fort Worth-Arlington, TX | 1 | $ 465,000 | $ 465,000 | $ 175,000 |
| Hinesville, GA | 1 | $ 515,000 | $ 515,000 | $ 191,000 |
| Lakewood-New Brunswick, NJ | 1 | $ 545,000 | $ 545,000 | $ 170,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 635,000 | $ 635,000 | $ 318,000 |
| Montgomery, AL | 1 | $ 265,000 | $ 265,000 | $ 149,000 |
| Morgantown, WV | 1 | $ 255,000 | $ 255,000 | $ 625,000 |
| Morristown, TN | 1 | $ 285,000 | $ 285,000 | $ 90,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Newark, NJ-PA | 1 | $ 685,000 | $ 685,000 | $ 466,000 |
| Owensboro, KY | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 285,000 | $ 285,000 | $ 67,000 |
| San Antonio-New Braunfels, TX | 1 | $ 365,000 | $ 365,000 | $ 92,000 |
| Tallahassee, FL | 1 | $ 105,000 | $ 105,000 | $ 168,000 |
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.
For a list of all lenders in Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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