Atlantic Bay Mortgage Group in North Carolina vs the state
1.1%Denial rate-16.96 pts vs state
1.4%Decision denial rate-21.47 pts vs state
78.9%Origination rate+21.05 pts vs state
6.63%Median rate+0.13 pts vs state
0.24Rate spread (pts)+0.15 pts vs state
$93kMedian applicant income
6,049Loans originated
84Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,354 | 5,744 | 1.1% | 6.75% | #13 |
| 2024 | 7,345 | 5,882 | 1.2% | 6.75% | #13 |
| 2025 | 7,671 | 6,049 | 1.1% | 6.63% | #13 |
What Atlantic Bay Mortgage Group lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most Atlantic Bay Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mecklenburg County | 968 | 760 | 12 | 1.2% |
| Guilford County | 529 | 423 | 4 | 0.8% |
| Davidson County | 523 | 433 | 2 | 0.4% |
| Forsyth County | 505 | 397 | 7 | 1.4% |
| Randolph County | 287 | 224 | 5 | 1.7% |
| Buncombe County | 245 | 200 | 5 | 2.0% |
| Burke County | 244 | 200 | 0 | 0.0% |
| Catawba County | 242 | 185 | 4 | 1.7% |
| New Hanover County | 215 | 186 | 0 | 0.0% |
| Iredell County | 195 | 137 | 2 | 1.0% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 7,671 applications in 2025, of which 6,049 were originated and 84 denied.
1.1% of all applications, or 1.4% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans Atlantic Bay Mortgage Group originated in North Carolina in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Atlantic Bay Mortgage Group's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology