Atlantic Home Mortgage LLC Mortgage Lending & HMDA Data, 2023
In 2023, Atlantic Home Mortgage LLC of Alpharetta, GA reported 513 mortgage applications totaling $188.1 million. The average application was for $366,676, and applicants reported an average income of $173,805. 56% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (384), Port St. Lucie, FL (14) and Gainesville, GA (12) (applications in parentheses).
| Mortgage Company & Address | Atlantic Home Mortgage LLC 6250 Shiloh Rd Suite #220 Alpharetta, GA 30005 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2021 |
| Total Number of Mortgage Applications | 513 |
| Total Mortgage Loan Application Amount | $188,105,000 |
| Average Mortgage Loan Application Amount | $366,676 |
| Highest Mortgage Loan Application Amount | $1,635,000 |
| Average Applicant Income | $173,805 |
| Highest Applicant Income | $9,095,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Atlantic Home Mortgage LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fulton, Georgia | 74 | $ 32,280,000 | $ 436,216 | $ 180,000 |
| Gwinnett, Georgia | 62 | $ 21,860,000 | $ 352,580 | $ 186,000 |
| DeKalb, Georgia | 53 | $ 19,605,000 | $ 369,905 | $ 125,000 |
| Cobb, Georgia | 42 | $ 16,640,000 | $ 396,190 | $ 372,000 |
| Forsyth, Georgia | 29 | $ 12,535,000 | $ 432,241 | $ 159,000 |
| Cherokee, Georgia | 24 | $ 9,550,000 | $ 397,916 | $ 182,000 |
| St. Lucie, Florida | 14 | $ 4,650,000 | $ 332,142 | $ 76,000 |
| Hall, Georgia | 12 | $ 3,720,000 | $ 310,000 | $ 110,000 |
| Jackson, Georgia | 12 | $ 4,680,000 | $ 390,000 | $ 133,000 |
| Barrow, Georgia | 10 | $ 3,240,000 | $ 324,000 | $ 136,000 |
| Paulding, Georgia | 10 | $ 3,550,000 | $ 355,000 | $ 111,000 |
| Clayton, Georgia | 9 | $ 2,695,000 | $ 299,444 | $ 94,000 |
| Dawson, Georgia | 9 | $ 2,675,000 | $ 297,222 | $ 85,000 |
| Newton, Georgia | 9 | $ 2,665,000 | $ 296,111 | $ 110,000 |
| Rockdale, Georgia | 9 | $ 2,155,000 | $ 239,444 | $ 92,000 |
| Henry, Georgia | 8 | $ 2,980,000 | $ 372,500 | $ 102,000 |
| Fayette, Georgia | 7 | $ 2,905,000 | $ 415,000 | $ 145,000 |
| Douglas, Georgia | 6 | $ 1,630,000 | $ 271,666 | $ 66,000 |
| Mobile, Alabama | 5 | $ 2,195,000 | $ 439,000 | $ 1,547,000 |
| Coweta, Georgia | 5 | $ 1,715,000 | $ 343,000 | $ 113,000 |
| Walton, Georgia | 5 | $ 2,065,000 | $ 413,000 | $ 128,000 |
| Mecklenburg, North Carolina | 5 | $ 1,605,000 | $ 321,000 | $ 118,000 |
| Gordon, Georgia | 4 | $ 1,170,000 | $ 292,500 | $ 86,000 |
| Lowndes, Georgia | 4 | $ 730,000 | $ 182,500 | $ 62,000 |
| Lake, Florida | 3 | $ 2,195,000 | $ 731,666 | $ 164,000 |
| Sarasota, Florida | 3 | $ 935,000 | $ 311,666 | $ 133,000 |
| Carroll, Georgia | 3 | $ 905,000 | $ 301,666 | $ 81,000 |
| Chatham, Georgia | 3 | $ 615,000 | $ 205,000 | $ 101,000 |
| Gilmer, Georgia | 3 | $ 965,000 | $ 321,666 | $ 119,000 |
| Jasper, Georgia | 3 | $ 1,125,000 | $ 375,000 | $ 96,000 |
| Lumpkin, Georgia | 3 | $ 785,000 | $ 261,666 | $ 84,000 |
| Fayette, Kentucky | 3 | $ 1,395,000 | $ 465,000 | $ 134,000 |
| Gadsden, Florida | 2 | $ 670,000 | $ 335,000 | $ 85,000 |
| Hillsborough, Florida | 2 | $ 830,000 | $ 415,000 | $ 106,000 |
| Leon, Florida | 2 | $ 290,000 | $ 145,000 | $ 62,000 |
| Palm Beach, Florida | 2 | $ 680,000 | $ 340,000 | $ 97,000 |
| Bartow, Georgia | 2 | $ 390,000 | $ 195,000 | $ 88,000 |
| Fannin, Georgia | 2 | $ 1,730,000 | $ 865,000 | $ 244,000 |
| Pike, Georgia | 2 | $ 980,000 | $ 490,000 | $ 249,000 |
| Richmond, Georgia | 2 | $ 490,000 | $ 245,000 | $ 56,000 |
| Spalding, Georgia | 2 | $ 380,000 | $ 190,000 | $ 92,000 |
| Stephens, Georgia | 2 | $ 930,000 | $ 465,000 | $ 103,000 |
| Cherokee, North Carolina | 2 | $ 1,080,000 | $ 540,000 | $ 133,000 |
| Lee, North Carolina | 2 | $ 630,000 | $ 315,000 | $ 600,000 |
| Abbeville, South Carolina | 2 | $ 170,000 | $ 85,000 | $ 78,000 |
| Beaufort, South Carolina | 2 | $ 1,110,000 | $ 555,000 | $ 467,000 |
| York, South Carolina | 2 | $ 490,000 | $ 245,000 | $ 45,000 |
| Gregg, Texas | 2 | $ 790,000 | $ 395,000 | $ 123,000 |
| Baldwin, Alabama | 1 | $ 105,000 | $ 105,000 | $ 147,000 |
| Cleburne, Alabama | 1 | $ 245,000 | $ 245,000 | $ 83,000 |
| Manatee, Florida | 1 | $ 695,000 | $ 695,000 | $ 311,000 |
| Marion, Florida | 1 | $ 275,000 | $ 275,000 | $ 50,000 |
| Polk, Florida | 1 | $ 295,000 | $ 295,000 | $ 145,000 |
| Seminole, Florida | 1 | $ 405,000 | $ 405,000 | $ 243,000 |
| Bibb, Georgia | 1 | $ 245,000 | $ 245,000 | $ 33,000 |
| Bryan, Georgia | 1 | $ 235,000 | $ 235,000 | $ 104,000 |
| Effingham, Georgia | 1 | $ 425,000 | $ 425,000 | $ 104,000 |
| Floyd, Georgia | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Franklin, Georgia | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| Greene, Georgia | 1 | $ 595,000 | $ 595,000 | $ 204,000 |
| Morgan, Georgia | 1 | $ 475,000 | $ 475,000 | $ 111,000 |
| Muscogee, Georgia | 1 | $ 75,000 | $ 75,000 | $ 94,000 |
| Putnam, Georgia | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Ware, Georgia | 1 | $ 175,000 | $ 175,000 | $ 56,000 |
| White, Georgia | 1 | $ 195,000 | $ 195,000 | $ 95,000 |
| Whitfield, Georgia | 1 | $ 365,000 | $ 365,000 | $ 163,000 |
| Harrison, Kentucky | 1 | $ 215,000 | $ 215,000 | $ 58,000 |
| Montgomery, Kentucky | 1 | $ 225,000 | $ 225,000 | $ 123,000 |
| Oldham, Kentucky | 1 | $ 385,000 | $ 385,000 | $ 271,000 |
| Pulaski, Kentucky | 1 | $ 155,000 | $ 155,000 | $ 121,000 |
| Kent, Michigan | 1 | $ 325,000 | $ 325,000 | $ 119,000 |
| Guilford, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 80,000 |
| Wake, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 107,000 |
| Watauga, North Carolina | 1 | $ 615,000 | $ 615,000 | $ 213,000 |
| Franklin, Ohio | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Allegheny, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 150,000 |
| Aiken, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 26,000 |
| Harrison, Texas | 1 | $ 185,000 | $ 185,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for Atlantic Home Mortgage LLC in 2023
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 | 457 | $172,485,000 | $377,000 | $1,635,000 | $155,000 | $6,318,000 |
| Cash-out Refinancing | 37 | $10,485,000 | $283,000 | $655,000 | $445,000 | $9,095,000 |
| Refinancing | 19 | $5,135,000 | $270,000 | $655,000 | $98,000 | $180,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 273 | $106,545,000 | $390,000 | $1,635,000 | $185,000 | $6,318,000 |
| Black or African American | 110 | $34,410,000 | $312,000 | $725,000 | $108,000 | $470,000 |
| Not Provided | 48 | $17,960,000 | $374,000 | $1,325,000 | $336,000 | $9,095,000 |
| Hispanic | 44 | $15,070,000 | $342,000 | $715,000 | $123,000 | $398,000 |
| Asian | 36 | $13,270,000 | $368,000 | $675,000 | $150,000 | $380,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $850,000 | $425,000 | $535,000 | $130,000 | $150,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $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) | 368 | $139,400,000 | $378,000 | $1,635,000 | $204,000 | $9,095,000 |
| FHA-insured (Federal Housing Administration) | 119 | $39,095,000 | $328,000 | $725,000 | $98,000 | $280,000 |
| VA-guaranteed (Veterans Administration) | 25 | $9,335,000 | $373,000 | $715,000 | $105,000 | $220,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $275,000 | $275,000 | $275,000 | $81,000 | $81,000 |
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 | 289 | $110,995,000 | $384,000 | $1,635,000 | $205,000 | $9,095,000 |
| Application Withdrawn By Applicant | 200 | $69,610,000 | $348,000 | $905,000 | $138,000 | $1,432,000 |
| Application Approved But Not Accepted | 18 | $5,700,000 | $316,000 | $615,000 | $108,000 | $197,000 |
| Application Denied By Financial Institution | 6 | $1,800,000 | $300,000 | $375,000 | $78,000 | $119,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 507 | $186,305,000 | $367,000 | $1,635,000 | $175,000 | $9,095,000 |
| Employment History | 5 | $1,565,000 | $313,000 | $375,000 | $79,000 | $119,000 |
| Other | 1 | $235,000 | $235,000 | $235,000 | $73,000 | $73,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Home Mortgage LLC's 2023 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 Home 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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