{
  "canonical_url": "https://lendb.ai/lender/atlantic-bay-mortgage-group-72043",
  "summary": "Atlantic Bay Mortgage Group (company NMLS 72043) is an independent mortgage lender. LenDb lists 13 of its loan officers, each with an individual NMLS ID, licensed states and sources. Programs listed on its site include Bank statement loan, Down payment assistance, FHA loan, First-time buyer and HELOC.",
  "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"
  },
  "loan_officers": [
    {
      "nmls_id": 902007,
      "slug": "allison-beldick-902007",
      "full_name": "Allison Beldick",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/allison-beldick-902007"
    },
    {
      "nmls_id": 459936,
      "slug": "bruce-canada-459936",
      "full_name": "Bruce Canada",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/bruce-canada-459936"
    },
    {
      "nmls_id": 1236005,
      "slug": "charlotte-harrill-1236005",
      "full_name": "Charlotte Harrill",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/charlotte-harrill-1236005"
    },
    {
      "nmls_id": 2662359,
      "slug": "jesse-ledbetter-2662359",
      "full_name": "Jesse Ledbetter",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/jesse-ledbetter-2662359"
    },
    {
      "nmls_id": 1476316,
      "slug": "joel-ridings-1476316",
      "full_name": "Joel Ridings",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/joel-ridings-1476316"
    },
    {
      "nmls_id": 2097125,
      "slug": "joshua-spragins-2097125",
      "full_name": "Joshua Spragins",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/joshua-spragins-2097125"
    },
    {
      "nmls_id": 369668,
      "slug": "justin-atteberry-369668",
      "full_name": "Justin Atteberry",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/justin-atteberry-369668"
    },
    {
      "nmls_id": 423395,
      "slug": "kimberly-jones-423395",
      "full_name": "Kimberly Jones",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/kimberly-jones-423395"
    },
    {
      "nmls_id": 2112929,
      "slug": "lydia-genesevich-2112929",
      "full_name": "Lydia Genesevich",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/lydia-genesevich-2112929"
    },
    {
      "nmls_id": 338798,
      "slug": "remi-doyle-338798",
      "full_name": "Remi Doyle",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/remi-doyle-338798"
    },
    {
      "nmls_id": 2079330,
      "slug": "samantha-wilson-2079330",
      "full_name": "Samantha Wilson",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/samantha-wilson-2079330"
    },
    {
      "nmls_id": 659009,
      "slug": "tena-anton-659009",
      "full_name": "Tena Anton",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/tena-anton-659009"
    },
    {
      "nmls_id": 2098655,
      "slug": "zakiya-abbasova-2098655",
      "full_name": "Zakiya Abbasova",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/zakiya-abbasova-2098655"
    }
  ]
}