Atlantic Bay Mortgage Group in Georgia vs the state
1.6%Denial rate-17.65 pts vs state
2.1%Decision denial rate-22.96 pts vs state
71.8%Origination rate+17.72 pts vs state
6.50%Median rate-0.13 pts vs state
0.14Rate spread (pts)-0.13 pts vs state
$111kMedian applicant income
731Loans originated
16Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,409 | 1,023 | 1.5% | 6.75% | #62 |
| 2024 | 1,343 | 1,019 | 1.6% | 6.63% | #67 |
| 2025 | 1,018 | 731 | 1.6% | 6.50% | #92 |
What Atlantic Bay Mortgage Group lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most Atlantic Bay Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fulton County | 169 | 123 | 2 | 1.2% |
| Cobb County | 145 | 98 | 4 | 2.8% |
| DeKalb County | 112 | 79 | 0 | 0.0% |
| Gwinnett County | 75 | 45 | 1 | 1.3% |
| Bibb County | 50 | 38 | 4 | 8.0% |
| Houston County | 44 | 33 | 0 | 0.0% |
| Cherokee County | 39 | 30 | 1 | 2.6% |
| Douglas County | 36 | 22 | 1 | 2.8% |
| Walker County | 34 | 31 | 0 | 0.0% |
| Paulding County | 30 | 23 | 0 | 0.0% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 1,018 applications in 2025, of which 731 were originated and 16 denied.
1.6% of all applications, or 2.1% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans Atlantic Bay Mortgage Group originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Atlantic Bay Mortgage Group's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology