Purchase Originations
9,897
Ranked #40 nationally
Median Total Costs
$7,722
+15.6% vs national ($6,680)
↓ $115 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$3,096
Median Lender Credits
$770
Cost Rank (500+ vol.)
#424
among lenders with 500+ originations
Denial Rate
1.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 5,330 | 6.625% | $6,105 | $2,976 |
| fha | 2,779 | 6.500% | $10,994 | $3,398 |
| va | 1,543 | 6.250% | $8,304 | $2,355 |
| usda | 245 | 6.375% | $8,059 | $3,027 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| North Carolina | 4,466 | 6.625% | $7,597 | #5 |
| Virginia | 3,346 | 6.500% | $7,928 | #4 |
| South Carolina | 724 | 6.500% | $7,620 | #23 |
| Georgia | 511 | 6.500% | $7,775 | #48 |
| Kentucky | 311 | 6.375% | $8,141 | #32 |
| Florida | 153 | 6.500% | $8,174 | #186 |
| Maryland | 139 | 6.490% | $7,226 | #79 |
| Alabama | 107 | 6.500% | $7,052 | #92 |
| Tennessee | 46 | 6.562% | $5,532 | — |
| Indiana | 43 | 6.625% | $5,169 | — |
| District of Columbia | 22 | 6.433% | $6,059 | — |
| Pennsylvania | 10 | 6.500% | $8,710 | — |
| Texas | 7 | 6.124% | $7,215 | — |
| Delaware | 6 | 6.875% | $6,251 | — |
| West Virginia | 5 | 6.375% | $6,481 | — |
| New Jersey | 1 | 5.750% | $2,250 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,765 | 6.624% | — | 598 | −$1,957 | |
| 2 | $5,831 | 6.624% | — | 142 | −$1,891 | |
| 3 | $6,114 | 6.625% | — | 164 | −$1,608 | |
| 4 | $7,062 | 6.490% | — | 158 | −$660 | |
| 5 | $7,073 | 6.625% | — | 152 | −$649 | |
| 6 | $7,125 | 6.625% | — | 135 | −$597 | |
| 7 | $7,420 | 6.625% | — | 295 | −$302 | |
| 8 | $7,446 | 6.625% | — | 281 | −$276 | |
| 9 | $7,959 | 6.250% | — | 124 | +$237 | |
| 10 | $8,114 | 6.490% | — | 132 | +$392 | |
| 11 | $8,149 | 6.625% | — | 161 | +$427 | |
| 12 | $8,481 | 6.625% | — | 140 | +$759 | |
| 13 | $8,544 | 6.490% | — | 151 | +$822 | |
| 14 | $8,601 | 6.625% | — | 305 | +$879 | |
| 15 | $8,882 | 6.375% | — | 151 | +$1,160 | |
| 16 | $8,941 | 6.375% | — | 113 | +$1,219 | |
| 17 | $8,999 | 6.500% | — | 310 | +$1,277 | |
| 18 | $9,536 | 6.490% | — | 223 | +$1,814 | |
| 19 | $10,027 | 6.375% | — | 152 | +$2,305 | |
| 20 | $10,458 | 6.250% | — | 141 | +$2,736 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Atlantic Bay Mortgage Group, L.L.C. | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $295,000 | $335,000 | −$40,000 (−11.9%) |
| Median total closing costs | $7,722 | $7,127 | +$595 (+8.3%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.