Atlantic Bay Mortgage Group in South Carolina vs the state
3.2%Denial rate-15.08 pts vs state
4.2%Decision denial rate-19.28 pts vs state
73.4%Origination rate+16.80 pts vs state
6.62%Median rate+0.12 pts vs state
0.29Rate spread (pts)+0.07 pts vs state
$88kMedian applicant income
955Loans originated
42Denied
Trend in South Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,004 | 733 | 3.3% | 6.75% | #48 |
| 2024 | 1,315 | 982 | 2.4% | 6.75% | #42 |
| 2025 | 1,301 | 955 | 3.2% | 6.62% | #45 |
What Atlantic Bay Mortgage Group lends in South Carolina
By loan purpose
By loan type
Why it denied South Carolina applicants
Where in South Carolina
Counties with the most Atlantic Bay Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greenville County | 221 | 164 | 6 | 2.7% |
| Spartanburg County | 146 | 104 | 8 | 5.5% |
| Greenwood County | 135 | 100 | 4 | 3.0% |
| Anderson County | 109 | 72 | 2 | 1.8% |
| Horry County | 102 | 80 | 6 | 5.9% |
| York County | 87 | 62 | 3 | 3.4% |
| Lexington County | 86 | 72 | 1 | 1.2% |
| Laurens County | 52 | 39 | 4 | 7.7% |
| Pickens County | 50 | 27 | 0 | 0.0% |
| Richland County | 47 | 38 | 0 | 0.0% |
Other large lenders in South Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,403 | 16.8% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 12,272 | 40.7% | 6.50% |
| United Shore Financial Services | B | 9,236 | 12.8% | 6.13% |
| 21st Mortgage | F | 6,510 | 48.2% | 10.41% |
| Dhi Mortgage Company | B | 6,184 | 17.4% | 4.99% |
| Navy Federal Credit Union | D | 5,424 | 21.2% | 7.50% |
| First-Citizens Bank & Trust | B | 5,399 | 20.9% | 6.38% |
| Freedom Mortgage | B | 5,296 | 7.3% | 6.25% |
| Mortgage Research Center | C | 5,189 | 19.1% | 6.25% |
| Bank of America | F | 5,009 | 33.1% | 6.24% |
Frequently asked questions
South Carolina: 1,301 applications in 2025, of which 955 were originated and 42 denied.
3.2% of all applications, or 4.2% of the applications it actually decided on. The South Carolina statewide average across all lenders was 18.3%.
The median rate on loans Atlantic Bay Mortgage Group originated in South Carolina in 2025 was 6.62%, against a statewide median of 6.50%.
About this data. Figures are Atlantic Bay Mortgage Group's own HMDA filing for properties located in South Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology