Atlantic Coast Mortgage, LLC Mortgage Lending & HMDA Data, 2025

In 2025, Atlantic Coast Mortgage, LLC of Fairfax, VA reported 7,300 mortgage applications totaling $3.0 billion, up 15% from 2024. The average application was for $414,815, and applicants reported an average income of $166,541. 78% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Arlington-Alexandria-Reston, VA-WV (2,613), Virginia Beach-Norfolk-Newport News, VA-NC (755) and Charlotte-Concord-Gastonia, NC-SC (365) (applications in parentheses).

Mortgage Company & Address Atlantic Coast Mortgage, LLC
4100 Monument Corner Drive, Suite 300
Fairfax, VA 22030
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  
Total Number of Mortgage Applications 7,300
Total Mortgage Loan Application Amount $3,028,150,000
Average Mortgage Loan Application Amount $414,815
Highest Mortgage Loan Application Amount $2,505,000
Average Applicant Income $166,541
Highest Applicant Income $3,628,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Atlantic Coast Mortgage, LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 Coast Mortgage, LLC by Metropolitan Area in 2025

Metro Area Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Application Amount Average Applicant Income
Arlington-Alexandria-Reston, VA-WV 2,613 $ 1,372,125,000 $ 525,114 $ 191,194
Virginia Beach-Norfolk-Newport News, VA-NC 755 $ 246,145,000 $ 326,019 $ 129,452
Outside any metro area 667 $ 203,605,000 $ 305,254 $ 147,512
Charlotte-Concord-Gastonia, NC-SC 365 $ 111,025,000 $ 304,178 $ 137,071
Richmond, VA 344 $ 110,990,000 $ 322,645 $ 129,000
Washington-Baltimore-Arlington, DC 337 $ 178,475,000 $ 529,599 $ 221,000
Washington, DC-MD 325 $ 168,145,000 $ 517,369 $ 190,000
Charleston-North Charleston, SC 318 $ 118,410,000 $ 372,358 $ 161,000
Baltimore-Columbia-Towson, MD 185 $ 78,895,000 $ 426,459 $ 166,000
Hagerstown-Martinsburg, MD-WV 155 $ 46,475,000 $ 299,838 $ 125,322
Charlottesville, VA 142 $ 46,570,000 $ 327,957 $ 133,000
Lynchburg, VA 140 $ 34,060,000 $ 243,285 $ 102,000
Winchester, VA-WV 111 $ 39,315,000 $ 354,189 $ 144,198
Winston-Salem, NC 69 $ 17,325,000 $ 251,086 $ 108,000
Wilmington, NC 41 $ 15,055,000 $ 367,195 $ 173,000
Greensboro-High Point, NC 39 $ 8,735,000 $ 223,974 $ 109,000
Staunton-Waynesboro, VA 39 $ 10,885,000 $ 279,102 $ 102,000
Harrisonburg, VA 33 $ 9,645,000 $ 292,272 $ 138,000
Myrtle Beach-Conway-North Myrtle Beach, SC-NC 32 $ 10,050,000 $ 314,062 $ 187,000
Spartanburg, SC 31 $ 8,705,000 $ 280,806 $ 119,000
Greenville-Anderson-Mauldin, SC 27 $ 8,445,000 $ 312,777 $ 151,000
Hickory-Lenoir-Morganton, NC 25 $ 6,475,000 $ 259,000 $ 106,000
Roanoke, VA 25 $ 7,095,000 $ 283,800 $ 133,000
Philadelphia, PA 24 $ 12,130,000 $ 505,416 $ 286,000
Wilmington, DE-MD-NJ 24 $ 6,740,000 $ 280,833 $ 120,333
Raleigh, NC 22 $ 7,770,000 $ 353,181 $ 147,000
Lexington Park, MD 18 $ 7,360,000 $ 408,888 $ 170,000
Lake County-Kenosha County, IL-WI 16 $ 5,670,000 $ 354,375 $ 162,000
St. Petersburg-Clearwater-Largo, FL 14 $ 4,170,000 $ 297,857 $ 164,000
Houston-The Woodlands-Sugar Land, TX 13 $ 4,285,000 $ 329,615 $ 183,000
Augusta-Richmond County, GA-SC 11 $ 1,465,000 $ 133,181 $ 75,000
Columbia, SC 11 $ 2,855,000 $ 259,545 $ 224,000
Cleveland, OH 9 $ 2,175,000 $ 241,666 $ 234,000
Jacksonville, NC 9 $ 2,425,000 $ 269,444 $ 141,000
West Palm Beach-Boca Raton-Delray Beach, FL 9 $ 7,845,000 $ 871,666 $ 300,000
Harrisburg-Carlisle, PA 8 $ 2,460,000 $ 307,500 $ 117,000
Durham-Chapel Hill, NC 7 $ 2,215,000 $ 316,428 $ 174,000
Hilton Head Island-Bluffton-Beaufort, SC 7 $ 2,595,000 $ 370,714 $ 260,000
Pittsburgh, PA 7 $ 2,275,000 $ 325,000 $ 123,000
Columbus, OH 6 $ 1,780,000 $ 296,666 $ 86,000
Fayetteville, NC 6 $ 1,160,000 $ 193,333 $ 155,000
Indianapolis-Carmel-Anderson, IN 6 $ 1,260,000 $ 210,000 $ 417,000
Lakewood-New Brunswick, NJ 6 $ 3,030,000 $ 505,000 $ 266,000
Nashville-Davidson--Murfreesboro--Franklin, TN 6 $ 2,180,000 $ 363,333 $ 150,000
Orlando-Kissimmee-Sanford, FL 6 $ 3,360,000 $ 560,000 $ 237,000
York-Hanover, PA 6 $ 1,750,000 $ 291,666 $ 128,000
Austin-Round Rock, TX 5 $ 1,235,000 $ 247,000 $ 188,000
Charleston, WV 5 $ 525,000 $ 105,000 $ 55,000
Palm Bay-Melbourne-Titusville, FL 5 $ 2,385,000 $ 477,000 $ 248,000
Phoenix-Mesa-Scottsdale, AZ 5 $ 2,105,000 $ 421,000 $ 184,000
Savannah, GA 5 $ 1,125,000 $ 225,000 $ 97,000
Allentown-Bethlehem-Easton, PA-NJ 4 $ 1,090,000 $ 272,500 $ 233,000
Atlanta-Sandy Springs-Roswell, GA 4 $ 1,730,000 $ 432,500 $ 205,000
Beckley, WV 4 $ 520,000 $ 130,000 $ 0
Blacksburg-Christiansburg-Radford, VA 4 $ 1,370,000 $ 342,500 $ 301,000
Chambersburg-Waynesboro, PA 4 $ 1,260,000 $ 315,000 $ 74,000
Dallas-Plano-Irving, TX 4 $ 1,450,000 $ 362,500 $ 181,000
Dover, DE 4 $ 960,000 $ 240,000 $ 74,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 4 $ 2,000,000 $ 500,000 $ 142,000
North Port-Sarasota-Bradenton, FL 4 $ 1,370,000 $ 342,500 $ 266,000
Punta Gorda, FL 4 $ 1,570,000 $ 392,500 $ 249,000
Tampa, FL 4 $ 840,000 $ 210,000 $ 107,000
Asheville, NC 3 $ 735,000 $ 245,000 $ 136,000
Burlington, NC 3 $ 705,000 $ 235,000 $ 70,000
Chattanooga, TN-GA 3 $ 465,000 $ 155,000 $ 88,000
Chicago-Naperville, IL 3 $ 1,455,000 $ 485,000 $ 1,313,000
Cincinnati, OH-KY-IN 3 $ 955,000 $ 318,333 $ 233,000
Deltona-Daytona Beach-Ormond Beach, FL 3 $ 715,000 $ 238,333 $ 103,000
Fort Worth-Arlington, TX 3 $ 1,415,000 $ 471,666 $ 224,000
Gettysburg, PA 3 $ 845,000 $ 281,666 $ 83,000
Goldsboro, NC 3 $ 405,000 $ 135,000 $ 0
Greenville, NC 3 $ 645,000 $ 215,000 $ 139,000
Gulfport-Biloxi-Pascagoula, MS 3 $ 955,000 $ 318,333 $ 146,000
Lancaster, PA 3 $ 885,000 $ 295,000 $ 206,000
Marietta, GA 3 $ 1,385,000 $ 461,666 $ 168,000
Montgomery County-Bucks County-Chester County, PA 3 $ 1,235,000 $ 411,666 $ 121,000
Morgantown, WV 3 $ 715,000 $ 238,333 $ 118,000
Naples-Immokalee-Marco Island, FL 3 $ 2,355,000 $ 785,000 $ 262,000
Newark, NJ-PA 3 $ 2,925,000 $ 975,000 $ 314,000
Pinehurst-Southern Pines, NC 3 $ 1,015,000 $ 338,333 $ 128,000
Seattle-Bellevue-Everett, WA 3 $ 2,355,000 $ 785,000 $ 399,000
Wichita, KS 3 $ 765,000 $ 255,000 $ 86,000
Camden, NJ 2 $ 720,000 $ 360,000 $ 143,000
Cape Coral-Fort Myers, FL 2 $ 710,000 $ 355,000 $ 293,000
Colorado Springs, CO 2 $ 1,000,000 $ 500,000 $ 131,000
Crestview-Fort Walton Beach-Destin, FL 2 $ 2,050,000 $ 1,025,000 $ 272,000
Detroit-Dearborn-Livonia, MI 2 $ 520,000 $ 260,000 $ 190,000
Fayetteville-Springdale-Rogers, AR-MO 2 $ 520,000 $ 260,000 $ 215,000
Jacksonville, FL 2 $ 1,790,000 $ 895,000 $ 677,000
Kalamazoo-Portage, MI 2 $ 390,000 $ 195,000 $ 299,000
Knoxville, TN 2 $ 1,420,000 $ 710,000 $ 98,000
Memphis, TN-MS-AR 2 $ 740,000 $ 370,000 $ 96,000
Milwaukee-Waukesha-West Allis, WI 2 $ 620,000 $ 310,000 $ 117,000
New Orleans-Metairie, LA 2 $ 540,000 $ 270,000 $ 109,000
Panama City, FL 2 $ 470,000 $ 235,000 $ 103,000
Portland-Vancouver-Hillsboro, OR-WA 2 $ 1,000,000 $ 500,000 $ 198,000
Rockford, IL 2 $ 350,000 $ 175,000 $ 67,000
Salisbury, MD-DE 2 $ 690,000 $ 345,000 $ 108,000
San Diego-Carlsbad, CA 2 $ 1,000,000 $ 500,000 $ 195,000
Sebastian-Vero Beach, FL 2 $ 1,250,000 $ 625,000 $ 461,000
State College, PA 2 $ 1,110,000 $ 555,000 $ 564,000
Warner Robins, GA 2 $ 770,000 $ 385,000 $ 197,000
Abilene, TX 1 $ 225,000 $ 225,000 $ 67,000
Albany, GA 1 $ 145,000 $ 145,000 $ 65,000
Altoona, PA 1 $ 175,000 $ 175,000 $ 153,000
Atlantic City-Hammonton, NJ 1 $ 1,505,000 $ 1,505,000 $ 536,000
Barnstable Town, MA 1 $ 405,000 $ 405,000 $ 93,000
Bend-Redmond, OR 1 $ 365,000 $ 365,000 $ 79,000
Boise City, ID 1 $ 375,000 $ 375,000 $ 135,000
Boston, MA 1 $ 1,205,000 $ 1,205,000 $ 182,000
Boulder, CO 1 $ 655,000 $ 655,000 $ 324,000
Cambridge-Newton-Framingham, MA 1 $ 585,000 $ 585,000 $ 194,000
Canton-Massillon, OH 1 $ 325,000 $ 325,000 $ 874,000
Champaign-Urbana, IL 1 $ 305,000 $ 305,000 $ 192,000
Denver-Aurora-Lakewood, CO 1 $ 205,000 $ 205,000 $ 145,000
Dothan, AL 1 $ 215,000 $ 215,000 $ 42,000
Duluth, MN-WI 1 $ 135,000 $ 135,000 $ 154,000
Elgin, IL 1 $ 235,000 $ 235,000 $ 57,000
Flint, MI 1 $ 145,000 $ 145,000 $ 112,000
Gainesville, FL 1 $ 415,000 $ 415,000 $ 277,000
Green Bay, WI 1 $ 305,000 $ 305,000 $ 101,000
Hartford-West Hartford-East Hartford, CT 1 $ 225,000 $ 225,000 $ 434,000
Homosassa Springs, FL 1 $ 355,000 $ 355,000 $ 187,000
Huntington-Ashland, WV-KY-OH 1 $ 165,000 $ 165,000 $ 43,000
Huntsville, AL 1 $ 215,000 $ 215,000 $ 105,000
Johnson City, TN 1 $ 365,000 $ 365,000 $ 96,000
Kansas City, MO-KS 1 $ 125,000 $ 125,000 $ 282,000
Kingsport-Bristol-Bristol, TN-VA 1 $ 135,000 $ 135,000 $ 40,000
Lake County-Porter County-Jasper County, IN 1 $ 395,000 $ 395,000 $ 116,000
Lebanon, PA 1 $ 385,000 $ 385,000 $ 232,000
Longview, TX 1 $ 175,000 $ 175,000 $ 62,000
Los Angeles-Long Beach-Glendale, CA 1 $ 175,000 $ 175,000 $ 43,000
Mansfield, OH 1 $ 165,000 $ 165,000 $ 156,000
McAllen-Edinburg-Mission, TX 1 $ 95,000 $ 95,000 $ 82,000
Miami-Miami Beach-Kendall, FL 1 $ 455,000 $ 455,000 $ 189,000
Minneapolis-St. Paul-Bloomington, MN-WI 1 $ 355,000 $ 355,000 $ 118,000
New York-Jersey City-White Plains, NY-NJ 1 $ 465,000 $ 465,000 $ 192,000
Norwich-New London, CT 1 $ 155,000 $ 155,000 $ 128,000
Oakland-Hayward-Berkeley, CA 1 $ 635,000 $ 635,000 $ 190,000
Oklahoma City, OK 1 $ 355,000 $ 355,000 $ 116,000
Parkersburg-Vienna, WV 1 $ 85,000 $ 85,000 $ 15,000
Pensacola-Ferry Pass-Brent, FL 1 $ 325,000 $ 325,000 $ 83,000
Peoria, IL 1 $ 375,000 $ 375,000 $ 134,000
Pittsfield, MA 1 $ 465,000 $ 465,000 $ 157,000
Port St. Lucie, FL 1 $ 265,000 $ 265,000 $ 94,000
Portland-South Portland, ME 1 $ 235,000 $ 235,000 $ 77,000
Riverside-San Bernardino-Ontario, CA 1 $ 465,000 $ 465,000 $ 232,000
Rocky Mount, NC 1 $ 375,000 $ 375,000 $ 114,000
Sacramento--Roseville--Arden-Arcade, CA 1 $ 395,000 $ 395,000 $ 136,000
San Antonio-New Braunfels, TX 1 $ 165,000 $ 165,000 $ 77,000
Sebring, FL 1 $ 205,000 $ 205,000 $ 58,000
Slidell-Mandeville-Covington, LA 1 $ 245,000 $ 245,000 $ 0
South Bend-Mishawaka, IN-MI 1 $ 115,000 $ 115,000 $ 48,000
Spokane-Spokane Valley, WA 1 $ 215,000 $ 215,000 $ 182,000
St. Louis, MO-IL 1 $ 115,000 $ 115,000 $ 54,000
Tallahassee, FL 1 $ 185,000 $ 185,000 $ 76,000
Toledo, OH 1 $ 175,000 $ 175,000 $ 56,000
Tucson, AZ 1 $ 715,000 $ 715,000 $ 0
Tuscaloosa, AL 1 $ 315,000 $ 315,000 $ 136,000
Twin Falls, ID 1 $ 305,000 $ 305,000 $ 74,000
Victoria, TX 1 $ 165,000 $ 165,000 $ 110,000
Warren-Troy-Farmington Hills, MI 1 $ 445,000 $ 445,000 $ 125,000
Wildwood-The Villages, FL 1 $ 395,000 $ 395,000 $ 0
Youngstown-Warren-Boardman, OH-PA 1 $ 355,000 $ 355,000 $ 109,000

Mortgage Loan Application Detail Totals for Atlantic Coast Mortgage, LLC 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 6,390 $2,656,950,000 $415,000 $2,505,000 $164,000 $3,628,000
Refinancing 458 $215,050,000 $469,000 $1,585,000 $193,000 $1,273,000
Cash-out Refinancing 270 $114,810,000 $425,000 $2,275,000 $175,000 $1,606,000
Other Purpose 162 $36,920,000 $227,000 $1,405,000 $174,000 $896,000
Home Improvement 20 $4,420,000 $221,000 $805,000 $198,000 $849,000
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 4,152 $1,775,910,000 $427,000 $2,485,000 $174,000 $1,916,000
Hispanic 919 $316,415,000 $344,000 $1,245,000 $136,000 $3,628,000
Black or African American 878 $315,530,000 $359,000 $2,505,000 $133,000 $1,292,000
Not Provided 813 $366,425,000 $450,000 $2,325,000 $187,000 $2,684,000
Asian 489 $236,715,000 $484,000 $2,005,000 $187,000 $1,742,000
American Indian or Alaskan Native 39 $13,665,000 $350,000 $805,000 $126,000 $250,000
Native Hawaiian or Other Pacific Islander 8 $3,270,000 $408,000 $775,000 $129,000 $301,000
Not applicable 2 $220,000 $110,000 $215,000 $0 $0

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) 5,099 $2,073,895,000 $406,000 $2,485,000 $179,000 $3,628,000
FHA-insured (Federal Housing Administration) 1,070 $378,990,000 $354,000 $1,165,000 $112,000 $392,000
VA-guaranteed (Veterans Administration) 1,064 $556,710,000 $523,000 $2,505,000 $163,000 $1,606,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 67 $18,555,000 $276,000 $405,000 $90,000 $139,000

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 5,729 $2,398,325,000 $418,000 $2,505,000 $167,000 $2,684,000
Application Withdrawn By Applicant 944 $382,340,000 $405,000 $2,325,000 $172,000 $3,628,000
Application Approved But Not Accepted 386 $153,840,000 $398,000 $2,485,000 $157,000 $1,266,000
Application Denied By Financial Institution 131 $44,495,000 $339,000 $1,185,000 $126,000 $1,742,000
Preapproval Approved but not Accepted 58 $28,010,000 $482,000 $1,915,000 $163,000 $781,000
File Closed For Incompleteness 29 $14,305,000 $493,000 $1,385,000 $199,000 $657,000
Preapproval Denied by Financial Institution 21 $6,615,000 $315,000 $685,000 $84,000 $151,000
Loan Purchased By The Institution 2 $220,000 $110,000 $215,000 $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 7,148 $2,977,040,000 $416,000 $2,505,000 $167,000 $3,628,000
Debt-To-Income Ratio 54 $18,450,000 $341,000 $1,185,000 $85,000 $294,000
Credit History 32 $10,350,000 $323,000 $685,000 $110,000 $233,000
Collateral 20 $6,640,000 $332,000 $805,000 $126,000 $311,000
Other 16 $4,740,000 $296,000 $755,000 $140,000 $313,000
Insufficient Cash (Downpayment, Closing Cost) 13 $4,785,000 $368,000 $1,165,000 $256,000 $1,742,000
Employment History 10 $4,100,000 $410,000 $715,000 $127,000 $381,000
Unverifiable Information 7 $2,045,000 $292,000 $545,000 $115,000 $199,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Coast Mortgage, LLC'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 Coast Mortgage, LLC'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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