Atlantic Coast Mortgage, LLC
5,729 mortgages originated in 2025 across 8 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
- 5,729
- Median rate
- 6.490%
- Median lender fees
- $6,654
- Median loan amount
- $365,000
- Median spread over APOR
- 0.152
- Paid discount points
- 49.9%
- Received lender credits
- 22.8%
- Purchases / refinances
- 88.5% / 9.4%
- Conventional / FHA / VA
- 70% / 14.2% / 14.9%
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 78.7% of loans here — see methodology.
Where Atlantic Coast Mortgage, LLC lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Virginia | 3,458 | $6,762 | 6.490% |
| North Carolina | 673 | $5,706 | 6.625% |
| Maryland | 586 | $7,035 | 6.625% |
| South Carolina | 369 | $6,835 | 6.625% |
| West Virginia | 248 | $7,591 | 6.375% |
| District of Columbia | 148 | $6,699 | 6.563% |
| Florida | 56 | — | 6.625% |
| Pennsylvania | 53 | — | 6.490% |