Atlantic Coast Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
Atlantic Coast Bank 2004 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Atlantic Coast Bank 505 Haines Avenue Waycross, GA 31501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,163 |
| Total Mortgage Loan Application Amount | $180,464,000 |
| Average Mortgage Loan Application Amount | $173,000 |
| Highest Mortgage Loan Application Amount | $1,440,000 |
| Average Applicant Income | $93,714 |
| Highest Applicant Income | $1,919,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with Atlantic Coast Bank. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Atlantic Coast Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down Atlantic Coast Bank's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Atlantic Coast Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Atlantic Coast Bank, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Atlantic Coast Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Duval County Florida | 336 | $ 60,200,000 | $ 179,000 | $ 88,000 |
| St. Johns County Florida | 133 | $ 33,886,000 | $ 254,000 | $ 130,000 |
| Ware County Georgia | 110 | $ 9,790,000 | $ 89,000 | $ 106,000 |
| Pierce County Georgia | 51 | $ 4,474,000 | $ 87,000 | $ 49,000 |
| Columbia County Florida | 48 | $ 4,236,000 | $ 88,000 | $ 59,000 |
| Clay County Florida | 32 | $ 4,922,000 | $ 153,000 | $ 72,000 |
| Nassau County Florida | 32 | $ 6,555,000 | $ 204,000 | $ 87,000 |
| Coffee County Georgia | 20 | $ 1,690,000 | $ 84,000 | $ 52,000 |
| Brantley County Georgia | 18 | $ 1,243,000 | $ 69,000 | $ 47,000 |
| Chatham County Georgia | 18 | $ 3,171,000 | $ 176,000 | $ 107,000 |
| Liberty County Georgia | 17 | $ 1,325,000 | $ 77,000 | $ 81,000 |
| Suwannee County Florida | 16 | $ 1,886,000 | $ 117,000 | $ 67,000 |
| Appling County Georgia | 15 | $ 1,125,000 | $ 75,000 | $ 50,000 |
| Bacon County Georgia | 15 | $ 1,132,000 | $ 75,000 | $ 45,000 |
| Effingham County Georgia | 13 | $ 1,559,000 | $ 119,000 | $ 55,000 |
| Long County Georgia | 13 | $ 1,107,000 | $ 85,000 | $ 42,000 |
| Aiken County South Carolina | 12 | $ 1,479,000 | $ 123,000 | $ 92,000 |
| Toombs County Georgia | 11 | $ 1,794,000 | $ 163,000 | $ 249,000 |
| Morgan County Georgia | 8 | $ 1,440,000 | $ 180,000 | $ 67,000 |
| Wayne County Georgia | 7 | $ 519,000 | $ 74,000 | $ 25,000 |
| Alachua County Florida | 6 | $ 742,000 | $ 123,000 | $ 105,000 |
| Flagler County Florida | 6 | $ 1,720,000 | $ 286,000 | $ 371,000 |
| Hamilton County Florida | 6 | $ 376,000 | $ 62,000 | $ 33,000 |
| Bulloch County Georgia | 6 | $ 762,000 | $ 127,000 | $ 65,000 |
| Upson County Georgia | 6 | $ 453,000 | $ 75,000 | $ 29,000 |
| Broward County Florida | 4 | $ 873,000 | $ 218,000 | $ 115,000 |
| Madison County Florida | 4 | $ 230,000 | $ 57,000 | $ 35,000 |
| Monroe County Florida | 4 | $ 1,573,000 | $ 393,000 | $ 311,000 |
| Orange County Florida | 4 | $ 877,000 | $ 219,000 | $ 118,000 |
| Putnam County Florida | 4 | $ 384,000 | $ 96,000 | $ 204,000 |
| Bryan County Georgia | 4 | $ 574,000 | $ 143,000 | $ 77,000 |
| Jeff Davis County Georgia | 4 | $ 454,000 | $ 113,000 | $ 55,000 |
| Lamar County Georgia | 4 | $ 466,000 | $ 116,000 | $ 56,000 |
| Tattnall County Georgia | 4 | $ 564,000 | $ 141,000 | $ 37,000 |
| Spartanburg County South Carolina | 4 | $ 744,000 | $ 186,000 | $ 107,000 |
| Brevard County Florida | 3 | $ 522,000 | $ 174,000 | $ 76,000 |
| Carroll County Georgia | 3 | $ 387,000 | $ 129,000 | $ 94,000 |
| Clinch County Georgia | 3 | $ 116,000 | $ 38,000 | $ 41,000 |
| Coweta County Georgia | 3 | $ 467,000 | $ 155,000 | $ 58,000 |
| McIntosh County Georgia | 3 | $ 281,000 | $ 93,000 | $ 33,000 |
| Montgomery County Georgia | 3 | $ 174,000 | $ 58,000 | $ 42,000 |
| Newton County Georgia | 3 | $ 770,000 | $ 256,000 | $ 63,000 |
| Oconee County Georgia | 3 | $ 1,055,000 | $ 351,000 | $ 131,000 |
| Pike County Georgia | 3 | $ 737,000 | $ 245,000 | $ 124,000 |
| Walton County Georgia | 3 | $ 742,000 | $ 247,000 | $ 126,000 |
| Kershaw County South Carolina | 3 | $ 620,000 | $ 206,000 | $ 131,000 |
| Orangeburg County South Carolina | 3 | $ 629,000 | $ 209,000 | $ 79,000 |
| Gilchrist County Florida | 2 | $ 143,000 | $ 71,000 | $ 51,000 |
| Leon County Florida | 2 | $ 308,000 | $ 154,000 | $ 160,000 |
| Seminole County Florida | 2 | $ 464,000 | $ 232,000 | $ 92,000 |
| Union County Florida | 2 | $ 142,000 | $ 71,000 | $ 29,000 |
| Volusia County Florida | 2 | $ 465,000 | $ 232,000 | $ 101,000 |
| Ben Hill County Georgia | 2 | $ 117,000 | $ 58,000 | $ 45,000 |
| Camden County Georgia | 2 | $ 129,000 | $ 64,000 | $ 31,000 |
| Clarke County Georgia | 2 | $ 255,000 | $ 127,000 | $ 61,000 |
| Cobb County Georgia | 2 | $ 309,000 | $ 154,000 | $ 62,000 |
| Fulton County Georgia | 2 | $ 265,000 | $ 132,000 | $ 133,000 |
| Glynn County Georgia | 2 | $ 1,268,000 | $ 634,000 | $ 335,000 |
| Heard County Georgia | 2 | $ 112,000 | $ 56,000 | $ 35,000 |
| Henry County Georgia | 2 | $ 654,000 | $ 327,000 | $ 124,000 |
| Spalding County Georgia | 2 | $ 261,000 | $ 130,000 | $ 50,000 |
| Troup County Georgia | 2 | $ 577,000 | $ 288,000 | $ 107,000 |
| Berkeley County South Carolina | 2 | $ 261,000 | $ 130,000 | $ 58,000 |
| Charleston County South Carolina | 2 | $ 247,000 | $ 123,000 | $ 81,000 |
| Dorchester County South Carolina | 2 | $ 160,000 | $ 80,000 | $ 46,000 |
| Pickens County South Carolina | 2 | $ 274,000 | $ 137,000 | $ 90,000 |
| Pitkin County Colorado | 1 | $ 616,000 | $ 616,000 | $ 144,000 |
| Bradford County Florida | 1 | $ 38,000 | $ 38,000 | $ 34,000 |
| Citrus County Florida | 1 | $ 173,000 | $ 173,000 | $ 93,000 |
| Hillsborough County Florida | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Marion County Florida | 1 | $ 10,000 | $ 10,000 | $ 86,000 |
| Miami-Dade County Florida | 1 | $ 110,000 | $ 110,000 | $ 26,000 |
| Palm Beach County Florida | 1 | $ 334,000 | $ 334,000 | $ 75,000 |
| Polk County Florida | 1 | $ 51,000 | $ 51,000 | $ 33,000 |
| Taylor County Florida | 1 | $ 59,000 | $ 59,000 | $ 20,000 |
| Walton County Florida | 1 | $ 174,000 | $ 174,000 | $ 90,000 |
| Atkinson County Georgia | 1 | $ 7,000 | $ 7,000 | $ 156,000 |
| Baldwin County Georgia | 1 | $ 352,000 | $ 352,000 | $ 163,000 |
| Berrien County Georgia | 1 | $ 114,000 | $ 114,000 | $ 77,000 |
| Candler County Georgia | 1 | $ 155,000 | $ 155,000 | $ 26,000 |
| Charlton County Georgia | 1 | $ 326,000 | $ 326,000 | $ 130,000 |
| Chattahoochee County Georgia | 1 | $ 108,000 | $ 108,000 | $ 88,000 |
| Cherokee County Georgia | 1 | $ 808,000 | $ 808,000 | $ 1,757,000 |
| Colquitt County Georgia | 1 | $ 96,000 | $ 96,000 | $ 68,000 |
| Forsyth County Georgia | 1 | $ 140,000 | $ 140,000 | $ 40,000 |
| Greene County Georgia | 1 | $ 287,000 | $ 287,000 | $ 295,000 |
| Gwinnett County Georgia | 1 | $ 157,000 | $ 157,000 | $ 130,000 |
| Harris County Georgia | 1 | $ 98,000 | $ 98,000 | $ 76,000 |
| Jasper County Georgia | 1 | $ 122,000 | $ 122,000 | $ 72,000 |
| Lowndes County Georgia | 1 | $ 111,000 | $ 111,000 | $ 48,000 |
| Meriwether County Georgia | 1 | $ 148,000 | $ 148,000 | $ 39,000 |
| Mitchell County Georgia | 1 | $ 66,000 | $ 66,000 | $ 36,000 |
| Monroe County Georgia | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Talbot County Georgia | 1 | $ 107,000 | $ 107,000 | $ 69,000 |
| Worcester County Massachusetts | 1 | $ 290,000 | $ 290,000 | $ 96,000 |
| Caldwell County Missouri | 1 | $ 36,000 | $ 36,000 | $ 52,000 |
| Ashe County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 87,000 |
| Union County North Carolina | 1 | $ 316,000 | $ 316,000 | $ 220,000 |
| Abbeville County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Allendale County South Carolina | 1 | $ 162,000 | $ 162,000 | $ 106,000 |
| Bamberg County South Carolina | 1 | $ 102,000 | $ 102,000 | $ 75,000 |
| Cherokee County South Carolina | 1 | $ 57,000 | $ 57,000 | $ 42,000 |
| Colleton County South Carolina | 1 | $ 74,000 | $ 74,000 | $ 42,000 |
| Edgefield County South Carolina | 1 | $ 240,000 | $ 240,000 | $ 108,000 |
| Fairfield County South Carolina | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Greenwood County South Carolina | 1 | $ 44,000 | $ 44,000 | $ 29,000 |
| Lancaster County South Carolina | 1 | $ 170,000 | $ 170,000 | $ 52,000 |
| Laurens County South Carolina | 1 | $ 74,000 | $ 74,000 | $ 26,000 |
| Oconee County South Carolina | 1 | $ 147,000 | $ 147,000 | $ 54,000 |
| York County South Carolina | 1 | $ 67,000 | $ 67,000 | $ 68,000 |
| Blount County Tennessee | 1 | $ 214,000 | $ 214,000 | $ 200,000 |
Mortgage Loan Application Detail Totals for Atlantic Coast Bank in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 704 | $115,215,000 | $213,666 | $1,440,000 | $104,888 | $1,202,000 |
| Refinancing | 434 | $64,327,000 | $141,333 | $1,200,000 | $90,000 | $1,919,000 |
| Home Improvement | 25 | $922,000 | $37,500 | $123,000 | $49,000 | $108,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 975 | $152,904,000 | $233,750 | $1,440,000 | $110,500 | $809,000 |
| Not Provided | 82 | $11,965,000 | $119,250 | $1,076,000 | $77,250 | $1,202,000 |
| Black or African American | 61 | $5,863,000 | $118,250 | $475,000 | $58,500 | $216,000 |
| Hispanic | 26 | $4,912,000 | $145,000 | $415,000 | $55,500 | $354,000 |
| Asian | 10 | $2,971,000 | $314,333 | $1,000,000 | $509,333 | $1,919,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,233,000 | $246,000 | $392,000 | $101,000 | $152,000 |
| American Indian or Alaskan Native | 3 | $236,000 | $70,000 | $116,000 | $46,500 | $81,000 |
| Not applicable | 1 | $380,000 | $380,000 | $380,000 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,163 | $180,464,000 | $212,000 | $1,440,000 | $106,111 | $1,919,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 754 | $123,834,000 | $226,714 | $1,440,000 | $115,142 | $1,919,000 |
| Application Denied By Financial Institution | 163 | $20,648,000 | $142,000 | $607,000 | $58,000 | $325,000 |
| Application Withdrawn By Applicant | 82 | $10,385,000 | $108,333 | $524,000 | $80,333 | $600,000 |
| Application Approved But Not Accepted | 79 | $13,412,000 | $164,000 | $1,125,000 | $93,750 | $672,000 |
| File Closed For Incompleteness | 36 | $6,187,000 | $145,000 | $1,200,000 | $89,666 | $672,000 |
| Preapproval Denied by Financial Institution | 31 | $2,981,000 | $96,000 | $225,000 | $39,000 | $87,000 |
| Preapproval Approved but not Accepted | 18 | $3,017,000 | $167,000 | $400,000 | $81,000 | $500,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 109 | $10,471,000 | $87,750 | $605,000 | $38,500 | $325,000 |
| Debt-To-Income Ratio | 46 | $6,563,000 | $133,500 | $540,000 | $49,250 | $151,000 |
| Other | 14 | $3,600,000 | $212,333 | $607,000 | $95,333 | $264,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $1,335,000 | $111,000 | $248,000 | $49,666 | $108,000 |
| Unverifiable Information | 4 | $415,000 | $89,500 | $155,000 | $49,500 | $114,000 |
| Employment History | 4 | $719,000 | $244,500 | $375,000 | $84,500 | $125,000 |
| Collateral | 4 | $429,000 | $106,000 | $177,000 | $47,333 | $76,000 |
| Credit Application Incomplete | 1 | $97,000 | $97,000 | $97,000 | $58,000 | $58,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Coast Bank's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Atlantic Coast Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.