Atlantic Bay Mortgage Group in Tennessee vs the state
1.2%Denial rate-15.98 pts vs state
1.5%Decision denial rate-20.14 pts vs state
73.3%Origination rate+15.18 pts vs state
6.63%Median rate0.00 pts vs state
0.27Rate spread (pts)+0.04 pts vs state
$114kMedian applicant income
63Loans originated
1Denied
Trend in Tennessee
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 83 | 47 | 2.4% | 6.75% | #319 |
| 2024 | 57 | 41 | 3.5% | 6.88% | #376 |
| 2025 | 86 | 63 | 1.2% | 6.63% | #349 |
What Atlantic Bay Mortgage Group lends in Tennessee
By loan purpose
By loan type
Why it denied Tennessee applicants
Where in Tennessee
Counties with the most Atlantic Bay Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Greene County | 15 | 8 | 1 | 6.7% |
| Hamilton County | 13 | 11 | 0 | 0.0% |
| Knox County | 8 | 5 | 0 | 0.0% |
| Davidson County | 8 | 7 | 0 | 0.0% |
| Sevier County | 7 | 4 | 0 | 0.0% |
| Washington County | 4 | 2 | 0 | 0.0% |
| Wilson County | 3 | 2 | 0 | 0.0% |
| Williamson County | 2 | 2 | 0 | 0.0% |
| Shelby County | 2 | 2 | 0 | 0.0% |
| Sullivan County | 2 | 2 | 0 | 0.0% |
Other large lenders in Tennessee
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,503 | 17.3% | 6.50% |
| United Shore Financial Services | B | 12,458 | 10.9% | 6.12% |
| Regions Bank | C | 11,247 | 36.5% | 4.99% |
| Vanderbilt Mortgage and Finance | F | 9,649 | 35.8% | 8.75% |
| Mortgage Research Center | C | 6,568 | 17.3% | 6.25% |
| FirstBank | C | 5,677 | 14.5% | 6.88% |
| CMG Mortgage | A | 5,643 | 2.9% | 6.50% |
| Freedom Mortgage | B | 5,493 | 8.0% | 6.25% |
| Pennymac Loan Services | C | 5,331 | 11.2% | 6.00% |
| Mortgage Investors Group | B | 4,454 | 3.5% | 6.50% |
Frequently asked questions
Tennessee: 86 applications in 2025, of which 63 were originated and 1 denied.
1.2% of all applications, or 1.5% of the applications it actually decided on. The Tennessee statewide average across all lenders was 17.1%.
The median rate on loans Atlantic Bay Mortgage Group originated in Tennessee in 2025 was 6.63%, against a statewide median of 6.62%.
About this data. Figures are Atlantic Bay Mortgage Group's own HMDA filing for properties located in Tennessee, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology