{
  "canonical_url": "https://lendb.ai/lender/atlantic-bay-mortgage-group-72043",
  "lender": {
    "nmls_id": 72043,
    "slug": "atlantic-bay-mortgage-group-72043",
    "canonical_url": "https://lendb.ai/lender/atlantic-bay-mortgage-group-72043",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/72043",
    "name": {
      "value": "Atlantic Bay Mortgage Group",
      "source": "manual",
      "source_url": "https://www.atlanticbay.com",
      "verified_at": "2026-10-08"
    },
    "dba_names": [],
    "type": "imb",
    "website": {
      "value": "https://www.atlanticbay.com",
      "source": "manual",
      "source_url": "https://www.atlanticbay.com",
      "verified_at": "2026-10-08"
    },
    "lo_directory_url": "https://www.atlanticbay.com/search-mortgage-bankers/",
    "hq_state": null,
    "loan_programs": {
      "value": [
        "bank-statement",
        "down-payment-assistance",
        "fha",
        "first-time-buyer",
        "heloc",
        "investor",
        "jumbo",
        "non-qm",
        "renovation",
        "self-employed",
        "usda",
        "va"
      ],
      "source": "manual",
      "source_url": "https://www.atlanticbay.com",
      "verified_at": "2026-10-08"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 13073,
          "by_loan_type": {
            "conventional": 8061,
            "fha": 2995,
            "va": 1772,
            "usda": 245
          },
          "purchase": 11828,
          "refinance": 1240,
          "other_purpose": 5,
          "jumbo": 248,
          "investor": 349,
          "volume_usd": 4080985000
        },
        {
          "year": 2024,
          "loans": 13415,
          "by_loan_type": {
            "conventional": 8227,
            "fha": 3033,
            "va": 1888,
            "usda": 267
          },
          "purchase": 12552,
          "refinance": 854,
          "other_purpose": 9,
          "jumbo": 204,
          "investor": 453,
          "volume_usd": 3964815000
        }
      ],
      "top_states": [
        {
          "state": "NC",
          "loans": 6049
        },
        {
          "state": "VA",
          "loans": 4244
        },
        {
          "state": "SC",
          "loans": 955
        },
        {
          "state": "GA",
          "loans": 731
        },
        {
          "state": "KY",
          "loans": 389
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 13,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-08"
  }
}