HMDA records
16,939
2025
Public institution profile · Mortgage company · Not a recommendation
Also published as ATLANTIC BAY MTG GRP LLC
Mortgage companyACTIVE
Primary category-specific identifier not published for this profile.
Data observedSection records may have different source dates.
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
Verification status not yet publishedVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionPublic records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
Source-backed identity fields for a nondepository mortgage or financial institution. FDIC insurance and NCUA charter identifiers are not applicable to this category.
HMDA
Reported records for the selected year. These figures are not a lender score.
16,939reported records
13,073reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
HMDA records
16,939
2025
Loan originations
13,073
2025
Denials
252
2025
Withdrawals
3,244
2025
Denial rate among decisioned applications
1.9%
2025
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 16,939 | 13,073 | 145 | 252 | 3,244 | 1.9% |
| 2024 | 17,186 | 13,415 | 125 | 243 | 3,194 | 1.8% |
| 2023 | 16,689 | 12,843 | 110 | 285 | 3,435 | 2.2% |
| 2022 | 20,265 | 15,954 | 135 | 328 | 3,838 | 2.0% |
| 2021 | 30,639 | 24,484 | 165 | 412 | 5,563 | 1.6% |
| 2020 | 32,354 | 26,185 | 183 | 710 | 5,276 | 2.6% |
| 2019 | 23,373 | 17,736 | 158 | 798 | 4,672 | 4.3% |
| 2018 | 18,805 | 15,427 | 168 | 669 | 2,533 | 4.1% |
| Category | HMDA records |
|---|---|
| Conventional | 10,522 |
| FHA | 3,904 |
| VA | 2,214 |
| RHS / FSA | 299 |
| Home purchase | 15,034 |
| Home improvement | 0 |
| Refinancing | 994 |
| Cash-out refinancing | 902 |
17 states / territories reported
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Total CFPB mortgage complaint records
105
Coverage start
December 1, 2012
Data through
August 20, 2026
| Year | Complaint records |
|---|---|
| 2014 | 3 |
| 2015 | 2 |
| 2016 | 7 |
| 2017 | 9 |
| 2018 | 9 |
| 2019 | 5 |
| 2020 | 15 |
| 2021 | 11 |
| 2022 | 6 |
| 2023 | 10 |
| 2024 | 8 |
| 2025 | 10 |
| 2026 | 10 |
Trouble during payment process
None
32
Applying for a mortgage or refinancing an existing mortgage
None
12
Application, originator, mortgage broker
None
7
Struggling to pay mortgage
None
7
Trouble during payment process
Escrow, taxes, or insurance
7
Closing on a mortgage
None
5
Loan servicing, payments, escrow account
None
5
Struggling to pay mortgage
Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
3
Trouble during payment process
Payment process
3
Applying for a mortgage or refinancing an existing mortgage
Changes in loan terms during the application process
2
Closing on a mortgage
Delays with the closing process
2
Closing on a mortgage
Trying to communicate with the company to fix an issue with the loan closing
2
Applying for a mortgage or refinancing an existing mortgage
Confusing or misleading advertising or marketing
1
Applying for a mortgage or refinancing an existing mortgage
Delays in the application process
1
Applying for a mortgage or refinancing an existing mortgage
Loan estimate or other related disclosures
1
Applying for a mortgage or refinancing an existing mortgage
Trying to communicate with the company to fix an issue with the application process
1
Closing on a mortgage
Changes in loan terms during or after closing
1
Closing on a mortgage
Closing disclosure or other related disclosures
1
Credit decision / Underwriting
None
1
Incorrect information on your report
Account status incorrect
1
Incorrect information on your report
Old information reappears or never goes away
1
Loan modification,collection,foreclosure
None
1
Other
None
1
Problem with a credit reporting company's investigation into an existing problem
Their investigation did not fix an error on your report
1
Settlement process and costs
None
1
Struggling to pay mortgage
Foreclosure
1
Struggling to pay mortgage
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
1
Trouble during payment process
Loan sold or transferred to another company
1
Trouble during payment process
Trying to communicate with the company to fix an issue while managing or servicing your loan
1
Unable to get your credit report or credit score
Other problem getting your report or credit score
1
Virginia
35
North Carolina
30
Florida
10
South Carolina
7
Georgia
5
Maryland
4
Kentucky
2
None
2
AE
1
California
1
Delaware
1
Nevada
1
New Hampshire
1
New Jersey
1
New York
1
Ohio
1
Pennsylvania
1
Texas
1
Closed with explanation
102
Closed with monetary relief
3
Timely-response figures are a count distribution as reported to CFPB, not a score.
Yes
102
No
3
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Data not published for this profile. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
No published branch result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
History
Events are listed by date. The source event type is kept with the record.
HistoryEvent dates come from the source row. The observed date is when USMI reviewed the file.
No published institution history result found. This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
No published source link is attached to this profile yet. That does not establish that no official record exists.