Atlantic Trust Mortgage

What Atlantic Trust Mortgage does

Atlantic Trust Mortgage is a privately held wholesale mortgage brokerage founded in 2003 by Scott Goldstein and headquartered in Ponte Vedra Beach, Florida. The company originates residential mortgage loans through a network of approximately 18-20 licensed Mortgage Loan Originators (MLOs), serving borrowers across Florida and Georgia with primary concentration in Northeast Florida. As a broker rather than a lender, Atlantic Trust Mortgage accesses over 20 national wholesale lenders to shop rates and loan products on behalf of clients, differentiating from retail lenders through product breadth rather than balance sheet lending.

The firm's product portfolio spans five core loan programs: Conventional, FHA, VA, Renovation (including FHA 203(k) and Fannie Mae Homestyle), and Jumbo financing. Underlying technology is limited to the my1003app.com third-party loan application platform used by individual MLOs to manage application funnels. No proprietary technology, AI capabilities, or patents are disclosed. The go-to-market is sales-led and referral-driven, with 80-85% of loan volume originating from Realtor partnerships and individual MLO referral networks rather than direct consumer acquisition. Marketing channels include SEO-optimized blog content, social media presence, BBB/Zillow/Google review profiles, and active community networking within the Jacksonville-area real estate industry.

Revenue is generated through transaction fees: borrower-paid origination fees at closing plus yield spread premiums from wholesale lenders. The firm reported 80% year-over-year loan volume growth for three consecutive years following the partnership addition of Wade Swindell (approximately 2018-2021). No current-year revenue figures, funding rounds, or institutional investment are disclosed. Headcount is in the 11-50 employee range with no parent company or external backing identified. Customer concentration is anchored in Realtor referral relationships and individual MLO productivity, creating moderate concentration risk despite a fragmented end-borrower base.

Name

Atlantic Trust Mortgage

Legal name

Atlantic Trust Mortgage

Website

https://atlantictrustmortgage.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

Atlantic Trust Mortgage is a privately held wholesale mortgage brokerage founded in 2003, serving homebuyers and homeowners in Florida and Georgia through a network of licensed loan originators and 20+ national lender relationships. Revenue comes from origination fees and yield spread premiums on residential purchase and refinance loans.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Wholesale Mortgage Lending (Broker Channel) (FSALACAA), Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Purchase Mortgage Origination (Homebuyer Focused) (FSALAAAD)

Keywords

• Mortgage brokerage services
• Residential home loans
• Wholesale mortgage lending
• FHA loan programs
• Jumbo loan financing

Headquarters

HQ city

Ponte Vedra

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Origination Fees: Atlantic Trust Mortgage operates as a wholesale mortgage brokerage earning revenue from originating residential mortgage loans. They work with over twenty national lenders on a wholesale basis, shopping rates on behalf of clients to find the best fit. Revenue is generated through origination fees paid by borrowers at closing, as well as yield spread premiums from lenders.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Atlantic Trust Mortgage is a wholesale mortgage brokerage that originates residential mortgage loans on behalf of individual homebuyers and homeowners in Florida and Georgia. The company shops more than twenty national wholesale lenders to match each client with the best rate and loan program, offering Conventional, FHA, VA, Renovation, and Jumbo financing products through its team of licensed Mortgage Loan Originators.

Product overview

Atlantic Trust Mortgage is a mortgage brokerage serving Florida and Georgia, founded in 2003. The company operates as a broker with wholesale relationships with over twenty national lenders. Their product portfolio centers on five core loan programs: Conventional Financing, FHA Financing, VA Financing, Renovation Financing, and Jumbo Financing. These products are complemented by a Mortgage Calculator resource tool. As a broker, they shop multiple lenders on behalf of borrowers to match clients with the best rate and loan product for their specific situation.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Financing

Quantifiable outcome

• 80-85% of loan volume is purchase business, driven by Realtor referrals
• +2 more outcomes

Named customers10 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• 20+ National Wholesale LenderscoreChannel Partner/ Reseller/ DistributorAtlantic Trust Mortgage maintains wholesale relationships with more than twenty national lenders. As a mortgage broker, ATM shops these lenders on behalf of clients to find the best rate and loan product for each individual situation. This wholesale access is the core differentiator of ATM's brokerage model.
• Local Real Estate Offices and RealtorscoreChannel Partner/ Reseller/ DistributorATM's primary loan volume (80-85% purchase business) comes from referrals by local real estate professionals. The company has built deep relationships with realtor teams and brokerages in the Jacksonville/Northeast Florida area, including Yellowfin Realty, The Brooks Group, Hover Girl Properties, Navy to Navy Homes, and Keller Williams.
• We InsureminorGTM or Marketing PartnerChris Crafton, Agency Owner of We Insure (a locally owned insurance agency), refers new clients to Atlantic Trust Mortgage and receives mortgage referrals in return. This represents a cross-industry referral partnership with an insurance agency.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Paramount Residential Mortgage Group (PRMG): Large independent mortgage lender with retail and wholesale origination channels. Comparable to ATM as a multi-channel, multi-product (Conventional, FHA, VA, Jumbo) originator serving retail homebuyers via MLOs, with substantially greater scale and geographic reach.
• Movement Mortgage: National independent mortgage lender operating retail and builder channels with the same product menu as ATM. Comparable relationship-driven, MLO-led origination model serving similar homebuyer segments across multiple states.
• Embrace Home Loans: Regional mortgage lender and broker operating across the Mid-Atlantic and Southeast with a multi-channel retail and wholesale model. Directly comparable to ATM as a multi-product (Conventional, FHA, VA, Jumbo) mortgage originator serving similar homebuyer segments with relationship-driven origination.
• Homebridge Financial Services: One of the largest independent mortgage brokerages in the U.S. with both retail and wholesale channels. Comparable to ATM in offering a broker-mediated, multi-lender loan origination model serving retail homebuyers through MLOs.
• New American Funding: Large independent mortgage lender with retail and broker channels, full product menu including Conventional, FHA, VA, and specialty programs. Comparable business model and customer segments to ATM, with greater scale.

Broad incumbents

• Caliber Home Loans: Large independent mortgage lender with retail, wholesale, and correspondent channels offering Conventional, FHA, VA, and Jumbo products. Comparable end-customer offerings to ATM with significantly greater scale and channel breadth.
• Guaranteed Rate: National retail mortgage lender with a digital (Rate.com) and retail MLO channel offering the same product set (Conventional, FHA, VA, Jumbo) as ATM. Comparable in product breadth and customer segments; meaningfully larger in scale.
• Rocket Mortgage: Largest U.S. retail mortgage lender and a dominant direct-to-consumer brand. Comparable to ATM in serving retail homebuyers with the same product set, but operates at national scale with a heavily digital, technology-led model that competes for the same purchase business as ATM.
• loanDepot: Large publicly traded mortgage originator with retail, wholesale (LDWholesale), and direct-to-consumer (Mello) channels. Comparable to ATM on product breadth and customer base, but operates at far greater scale with both retail and wholesale channels that overlap ATM's broker model.

Others

• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender, which sits upstream of ATM's business model. ATM is effectively a downstream broker customer of UWM (and competitors) — UWM is not a direct competitor for end borrowers but shapes the wholesale economics and product availability that determine ATM's competitiveness.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCtZDrq7zLQ67emqYsZ9kqrw
• Facebookfacebook.com/AtlanticTrustMortgage
• LinkedInlinkedin.com/company/atlantic-trust-mortgage
• Instagraminstagram.com/atlantictrustmortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Atlantic Trust Mortgage