Purchase Originations
3,797
Ranked #132 nationally
Median Total Costs
$6,843
+2.4% vs national ($6,680)
↓ $268 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$2,193
Median Lender Credits
$694
Cost Rank (500+ vol.)
#353
among lenders with 500+ originations
Denial Rate
1.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 2,542 | 6.625% | $5,783 | $2,201 |
| va | 720 | 6.250% | $10,948 | $1,570 |
| fha | 497 | 6.490% | $12,634 | $2,440 |
| usda | 38 | 6.375% | $8,887 | $2,775 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Virginia | 2,357 | 6.490% | $6,894 | #7 |
| Maryland | 429 | 6.490% | $7,119 | #32 |
| North Carolina | 371 | 6.625% | $5,839 | #67 |
| South Carolina | 207 | 6.625% | $7,236 | #72 |
| West Virginia | 178 | 6.375% | $7,864 | #21 |
| District of Columbia | 114 | 6.562% | $6,831 | #8 |
| Florida | 38 | 6.490% | $7,129 | — |
| Pennsylvania | 31 | 6.490% | $7,932 | — |
| Delaware | 12 | 6.370% | $7,449 | — |
| Georgia | 10 | 6.625% | $6,850 | — |
| Illinois | 7 | 6.490% | $5,888 | — |
| Tennessee | 5 | 6.375% | $5,773 | — |
| Texas | 5 | 6.375% | $6,520 | — |
| Michigan | 4 | 6.375% | $5,139 | — |
| New Jersey | 4 | 6.745% | $8,151 | — |
| Alabama | 3 | 6.250% | $11,120 | — |
| Colorado | 3 | 6.490% | $3,996 | — |
| Mississippi | 3 | 5.990% | $4,412 | — |
| Ohio | 3 | 6.500% | $6,982 | — |
| Arizona | 2 | 6.562% | $9,469 | — |
| Idaho | 2 | 5.870% | $9,153 | — |
| Arkansas | 1 | 5.500% | $3,446 | — |
| Iowa | 1 | 7.250% | $4,394 | — |
| Kansas | 1 | 6.490% | $4,389 | — |
| Massachusetts | 1 | 6.125% | $11,380 | — |
| Oklahoma | 1 | 6.990% | $10,469 | — |
| Oregon | 1 | 6.750% | $6,086 | — |
| Vermont | 1 | 6.375% | $6,025 | — |
| Washington | 1 | 6.250% | $8,062 | — |
| Wisconsin | 1 | 6.625% | $4,115 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,853 | 6.625% | — | 57 | −$1,990 | |
| 2 | $5,527 | 6.625% | — | 54 | −$1,316 | |
| 3 | $6,153 | 6.490% | — | 53 | −$690 | |
| 4 | $6,236 | 6.625% | — | 133 | −$607 | |
| 5 | $6,406 | 6.490% | — | 412 | −$437 | |
| 6 | $6,407 | 6.490% | — | 330 | −$436 | |
| 7 | $6,515 | 6.375% | — | 76 | −$328 | |
| 8 | $6,831 | 6.562% | — | 114 | −$12 | |
| 9 | $6,835 | 6.625% | — | 65 | −$8 | |
| 10 | $6,962 | 6.490% | — | 84 | +$119 | |
| 11 | $7,209 | 6.490% | — | 56 | +$366 | |
| 12 | $7,519 | 6.375% | — | 95 | +$676 | |
| 13 | $7,555 | 6.490% | — | 68 | +$712 | |
| 14 | $7,673 | 6.490% | — | 209 | +$830 | |
| 15 | $8,006 | 6.250% | — | 81 | +$1,163 | |
| 16 | $8,732 | 6.250% | — | 85 | +$1,889 | |
| 17 | $8,852 | 6.433% | — | 70 | +$2,009 | |
| 18 | $9,286 | 6.375% | — | 128 | +$2,443 | |
| 19 | $9,604 | 6.490% | — | 71 | +$2,761 | |
| 20 | $10,207 | 6.490% | — | 58 | +$3,364 |
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 Coast Mortgage, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $415,000 | $335,000 | +$80,000 (+23.9%) |
| Median total closing costs | $6,843 | $7,127 | −$284 (−4.0%) |
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.