Atlantic Bay Mortgage Group in Alabama vs the state
1.1%Denial rate-18.75 pts vs state
1.5%Decision denial rate-23.53 pts vs state
74.0%Origination rate+18.64 pts vs state
6.50%Median rate0.00 pts vs state
0.31Rate spread (pts)+0.02 pts vs state
$92kMedian applicant income
134Loans originated
2Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 314 | 205 | 4.1% | 6.75% | #101 |
| 2024 | 238 | 159 | 4.6% | 6.75% | #123 |
| 2025 | 181 | 134 | 1.1% | 6.50% | #163 |
What Atlantic Bay Mortgage Group lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Atlantic Bay Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Calhoun County | 46 | 35 | 0 | 0.0% |
| Madison County | 41 | 31 | 0 | 0.0% |
| Jefferson County | 18 | 8 | 0 | 0.0% |
| Talladega County | 13 | 8 | 1 | 7.7% |
| Limestone County | 10 | 9 | 0 | 0.0% |
| Morgan County | 9 | 7 | 1 | 11.1% |
| Jackson County | 6 | 5 | 0 | 0.0% |
| Etowah County | 5 | 3 | 0 | 0.0% |
| Shelby County | 4 | 4 | 0 | 0.0% |
| Russell County | 4 | 3 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 181 applications in 2025, of which 134 were originated and 2 denied.
1.1% of all applications, or 1.5% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Atlantic Bay Mortgage Group originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Atlantic Bay Mortgage Group's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology