What Atlantic Coast Mortgage does

Atlantic Coast Mortgage, LLC (ACM) is a privately held, full-service residential mortgage lender founded in 2011 and headquartered in Fairfax, Virginia. The company originates purchase mortgages, refinances, and reverse mortgages across multiple product programs — Conventional, FHA, VA, USDA, Jumbo (up to $3M), and Reverse Mortgage (with a Jumbo Reverse option up to $4M) — plus construction and renovation loans. ACM serves individual consumers and small-scale borrowers (homebuyers, refinancing homeowners, seniors aged 62+, veterans, and rural/suburban buyers) primarily across the Mid-Atlantic and Southeast, with a branch network that has expanded to 42+ locations across 14+ states including Virginia, Maryland, Florida, South Carolina, North Carolina, Pennsylvania, New Jersey, Ohio, Illinois, Iowa, and Washington D.C. Brand reputation is supported by 4.93 average rating across 42,222 client reviews.

ACM distributes through a hybrid sales-led and self-serve model: a 200+ loan officer network operates the branch-based relationship channel, complemented by a digital mortgage application portal (myloan.acmllc.com), mobile app, borrower video help center, and online mortgage calculators. The technology stack is described as a proprietary blend of lending technologies, systems, and processes, giving ACM control over the end-to-end borrower experience as a fully independent lender (rather than a broker or correspondent model). Revenue is generated through transaction-based mortgage origination fees, gain-on-sale economics on loans sold into the secondary market, and interest income on originated loans held on balance sheet. The company is privately held, with FVCbank (FVCBankcorp) holding a minority membership interest acquired in August 2021.

In November 2025, ACM completed the acquisition of Tidewater Mortgage Services, a Coastal Virginia-based mortgage lender, adding approximately 45 loan officers and support staff and an estimated $389M of annual loan volume — bringing combined YTD volume to $1.73B as of November 2025 and explicitly expanding ACM's presence into the Mid-Atlantic and Southeast. The company is led by co-founder and CEO Timur Tunador, co-founder and President Jon Coy, and a deep executive team covering operations, capital markets, underwriting, processing, closing, technology, compliance, and growth. ACM differentiates through community-engagement initiatives (Project GiveBack charitable donations at closing), a "one team, one mission" culture, and a high review-volume brand footprint relative to similarly-sized regional lenders.

Name

Atlantic Coast Mortgage

Legal name

Atlantic Coast Mortgage, LLC

Website

https://atlanticcoastmortgage.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

251–500 employees

Short description

Atlantic Coast Mortgage is a privately held, full-service residential mortgage lender originating purchase, refinance, and reverse mortgages across 42+ branches and 14+ states, primarily in the Mid-Atlantic and Southeast, serving individual homebuyers, refinancing homeowners, seniors, and veterans through a 200+ loan officer network and a proprietary digital application platform.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Nondepository Credit Intermediation (5222), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Renovation Mortgage Origination (FHA 203(k), HomeStyle, CHOICERenovation) (FSALAAAL)

Keywords

• Residential mortgage lending
• Home purchase financing
• Mortgage refinancing
• Reverse mortgages
• FHA VA loans

Headquarters

HQ city

Fairfax

HQ country

United States

HQ region

North America

Offices42 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination and Lending: ACM generates revenue through mortgage origination fees, interest income on loans originated, and related mortgage banking activities. The company offers purchase mortgages, refinances, and reverse mortgages, generating transaction-based revenue from each loan closed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Atlantic Coast Mortgage is a full-service residential mortgage lender originating purchase mortgages, refinances, and reverse mortgages across multiple loan programs (Conventional, FHA, VA, USDA, Jumbo, Construction/Renovation). Loans are delivered through 42+ branch locations and a network of 200+ loan officers, supported by proprietary digital application, mobile, and borrower self-service tools. The company controls the full borrower experience from origination through closing as a fully independent lender.

Product overview

Atlantic Coast Mortgage (ACM) offers a comprehensive mortgage lending platform with multiple loan products including Conventional, FHA, VA, USDA, and Jumbo loan programs for home purchases, plus refinancing options. The company also provides specialized reverse mortgage products including a Jumbo Reverse Mortgage option for higher-value properties. ACM operates as a fully independent mortgage lender offering a 'simple, easy, and stress-free' process through proprietary technologies, systems, and processes. The company recently expanded through the acquisition of Tidewater Mortgage Services, adding approximately 45 loan officers and support staff.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Loan Program A mortgage program for qualified buyers with good credit offering flexible property options, low down payments, and the ability to remove private mortgage insurance. Designed for home buyers and refinancing homeowners who meet standard credit and documentation criteria.
• FHA Loan Program
• Jumbo Loan Program
• VA Loan Program
• USDA Loan Program
• Reverse Mortgage
• Jumbo Reverse Mortgage
• Refinance
• Construction & Renovation Loan

Quantifiable outcome

• 42,222 client reviews with 4.93 average rating
• +2 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Movement Mortgage: Private, mid-size retail residential mortgage lender with a large distributed loan officer model across multiple U.S. states. Highly comparable to ACM in scale, branch footprint, and relationship-led origination approach.
• Guild Mortgage Company: Public retail mortgage lender with multi-state branch operations and a full product suite including purchase, refinance, and government loans. Directly comparable to ACM on product mix and distribution model.
• loanDepot: Public retail and partner-channel mortgage lender with broad geographic reach and full conventional, government, and refinance product offerings. Comparable to ACM in origination focus, though larger in scale.
• NewRez (formerly New Penn Financial): National retail and wholesale mortgage lender offering full residential products. Comparable to ACM in multi-state origination, product breadth, and recent acquisition-driven growth strategy.
• Caliber Home Loans: Retail and wholesale mortgage lender with a national footprint providing conventional, government, and refinance products. Comparable to ACM on multi-channel distribution and product breadth.
• Homepoint: Wholesale and retail mortgage lender with multi-state operations and broad product offerings. Comparable to ACM on multi-channel origination and conventional/government/refinance product mix.

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender, owned by Rocket Companies. Overlaps with ACM on conventional, government, and refinance origination but operates at significantly greater scale with a digital-first brand.
• United Wholesale Mortgage: Largest U.S. wholesale mortgage lender. While primarily wholesale, its scale and product breadth across conventional and government lending make it a relevant incumbent comparable for ACM's market.

Emerging players

• Paramount Equity: Reverse mortgage specialist lender focused on senior homeowners. Directly comparable to ACM's reverse mortgage business line and to its strategy of addressing the senior demographic segment.
• Longbridge Financial: Reverse mortgage lender offering HECM and proprietary reverse products to homeowners 62+. Comparable to ACM in reverse mortgage focus, including higher-value reverse offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ACMlending

Revenue estimate

Valuation estimate

Number of profiles

Profiles21 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Atlantic Coast Mortgage