ATLANTIC BAY MORTGAGE GROUP, L.L.C.
13,070 mortgages originated in 2025 across 10 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 13,070
- Median rate
- 6.624%
- Median lender fees
- $7,232
- Median loan amount
- $275,000
- Median spread over APOR
- 0.233
- Paid discount points
- 58.9%
- Received lender credits
- 15.6%
- Purchases / refinances
- 90.5% / 9.5%
- Conventional / FHA / VA
- 61.7% / 22.9% / 13.6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 93.9% of loans here — see methodology.
Where ATLANTIC BAY MORTGAGE GROUP, L.L.C. lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| North Carolina | 6,049 | $7,378 | 6.625% |
| Virginia | 4,244 | $7,307 | 6.500% |
| South Carolina | 955 | $6,810 | 6.624% |
| Georgia | 731 | $6,779 | 6.500% |
| Kentucky | 389 | $7,770 | 6.375% |
| Florida | 221 | $7,126 | 6.624% |
| Maryland | 169 | $7,287 | 6.490% |
| Alabama | 134 | $6,069 | 6.500% |
| Tennessee | 63 | $6,089 | 6.625% |
| Indiana | 52 | $5,169 | 6.625% |