Atlantic Bay Mortgage Group in Florida vs the state
3.8%Denial rate-17.31 pts vs state
5.1%Decision denial rate-22.11 pts vs state
69.1%Origination rate+16.37 pts vs state
6.62%Median rate0.00 pts vs state
0.19Rate spread (pts)-0.07 pts vs state
$108kMedian applicant income
221Loans originated
12Denied
Trend in Florida
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 293 | 198 | 3.8% | 6.88% | #320 |
| 2024 | 332 | 234 | 1.5% | 6.75% | #299 |
| 2025 | 320 | 221 | 3.8% | 6.62% | #294 |
What Atlantic Bay Mortgage Group lends in Florida
By loan purpose
By loan type
Why it denied Florida applicants
Where in Florida
Counties with the most Atlantic Bay Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Columbia County | 52 | 36 | 2 | 3.8% |
| Orange County | 40 | 29 | 0 | 0.0% |
| Osceola County | 24 | 18 | 0 | 0.0% |
| Volusia County | 22 | 15 | 0 | 0.0% |
| Seminole County | 21 | 15 | 0 | 0.0% |
| Hillsborough County | 11 | 7 | 0 | 0.0% |
| Pinellas County | 10 | 7 | 0 | 0.0% |
| Levy County | 8 | 5 | 0 | 0.0% |
| Suwannee County | 8 | 5 | 2 | 25.0% |
| Clay County | 7 | 4 | 0 | 0.0% |
Other large lenders in Florida
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 71,405 | 15.3% | 6.44% |
| Rocket Mortgage | C | 46,611 | 21.0% | 6.63% |
| Bank of America | F | 23,634 | 37.7% | 6.24% |
| Pennymac Loan Services | C | 19,516 | 14.1% | 6.50% |
| Navy Federal Credit Union | D | 19,452 | 23.2% | 7.59% |
| Crosscountry Mortgage | B | 19,103 | 5.2% | 6.75% |
| Newrez | D | 17,519 | 22.4% | 6.75% |
| Dhi Mortgage Company | B | 16,661 | 14.5% | 4.88% |
| Lennar Mortgage | A | 14,984 | 21.0% | 4.75% |
| Truist Bank | C | 14,140 | 41.5% | 6.60% |
Frequently asked questions
Florida: 320 applications in 2025, of which 221 were originated and 12 denied.
3.8% of all applications, or 5.1% of the applications it actually decided on. The Florida statewide average across all lenders was 21.1%.
The median rate on loans Atlantic Bay Mortgage Group originated in Florida in 2025 was 6.62%, against a statewide median of 6.63%.
About this data. Figures are Atlantic Bay Mortgage Group's own HMDA filing for properties located in Florida, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology