Atlantic Coast Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Atlantic Coast Bank 2005 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 | 864 |
| Total Mortgage Loan Application Amount | $121,971,000 |
| Average Mortgage Loan Application Amount | $99,428 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $70,285 |
| Highest Applicant Income | $2,300,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 225 | $ 36,035,000 | $ 160,000 | $ 142,000 |
| Ware County Georgia | 137 | $ 9,280,000 | $ 67,000 | $ 99,000 |
| St. Johns County Florida | 74 | $ 21,971,000 | $ 296,000 | $ 101,000 |
| Coffee County Georgia | 42 | $ 1,952,000 | $ 46,000 | $ 39,000 |
| Clay County Florida | 34 | $ 5,519,000 | $ 162,000 | $ 70,000 |
| Columbia County Florida | 33 | $ 2,692,000 | $ 81,000 | $ 63,000 |
| Pierce County Georgia | 33 | $ 2,462,000 | $ 74,000 | $ 55,000 |
| Nassau County Florida | 21 | $ 3,876,000 | $ 184,000 | $ 84,000 |
| Bacon County Georgia | 17 | $ 1,168,000 | $ 68,000 | $ 55,000 |
| Brantley County Georgia | 14 | $ 833,000 | $ 59,000 | $ 45,000 |
| Chatham County Georgia | 14 | $ 2,251,000 | $ 160,000 | $ 58,000 |
| Osceola County Florida | 12 | $ 3,593,000 | $ 299,000 | $ 371,000 |
| Liberty County Georgia | 10 | $ 648,000 | $ 64,000 | $ 172,000 |
| Effingham County Georgia | 7 | $ 883,000 | $ 126,000 | $ 63,000 |
| Glynn County Georgia | 6 | $ 1,064,000 | $ 177,000 | $ 90,000 |
| Wayne County Georgia | 6 | $ 760,000 | $ 126,000 | $ 66,000 |
| Santa Rosa County Florida | 5 | $ 1,352,000 | $ 270,000 | $ 127,000 |
| Appling County Georgia | 5 | $ 445,000 | $ 89,000 | $ 55,000 |
| Suwannee County Florida | 4 | $ 508,000 | $ 127,000 | $ 69,000 |
| Union County Florida | 4 | $ 922,000 | $ 230,000 | $ 114,000 |
| Atkinson County Georgia | 4 | $ 349,000 | $ 87,000 | $ 42,000 |
| Bulloch County Georgia | 4 | $ 632,000 | $ 158,000 | $ 57,000 |
| Charlton County Georgia | 4 | $ 380,000 | $ 95,000 | $ 69,000 |
| Jeff Davis County Georgia | 4 | $ 511,000 | $ 127,000 | $ 103,000 |
| Broward County Florida | 3 | $ 2,605,000 | $ 868,000 | $ 305,000 |
| Hamilton County Florida | 3 | $ 146,000 | $ 48,000 | $ 32,000 |
| Putnam County Florida | 3 | $ 338,000 | $ 112,000 | $ 290,000 |
| Camden County Georgia | 3 | $ 258,000 | $ 86,000 | $ 148,000 |
| Tattnall County Georgia | 3 | $ 218,000 | $ 72,000 | $ 52,000 |
| Alachua County Florida | 2 | $ 94,000 | $ 47,000 | $ 36,000 |
| Baker County Florida | 2 | $ 164,000 | $ 82,000 | $ 44,000 |
| Bradford County Florida | 2 | $ 163,000 | $ 81,000 | $ 57,000 |
| Brevard County Florida | 2 | $ 522,000 | $ 261,000 | $ 171,000 |
| Flagler County Florida | 2 | $ 550,000 | $ 275,000 | $ 133,000 |
| Leon County Florida | 2 | $ 122,000 | $ 61,000 | $ 158,000 |
| Bryan County Georgia | 2 | $ 413,000 | $ 206,000 | $ 103,000 |
| Grady County Georgia | 2 | $ 160,000 | $ 80,000 | $ 88,000 |
| Long County Georgia | 2 | $ 250,000 | $ 125,000 | $ 35,000 |
| Lowndes County Georgia | 2 | $ 26,000 | $ 13,000 | $ 53,000 |
| Tift County Georgia | 2 | $ 100,000 | $ 50,000 | $ 71,000 |
| Toombs County Georgia | 2 | $ 150,000 | $ 75,000 | $ 54,000 |
| Orangeburg County South Carolina | 2 | $ 172,000 | $ 86,000 | $ 59,000 |
| Loudoun County Virginia | 2 | $ 238,000 | $ 119,000 | $ 49,000 |
| Charlotte County Florida | 1 | $ 249,000 | $ 249,000 | $ 103,000 |
| Escambia County Florida | 1 | $ 228,000 | $ 228,000 | $ 66,000 |
| Gadsden County Florida | 1 | $ 110,000 | $ 110,000 | $ 96,000 |
| Hillsborough County Florida | 1 | $ 800,000 | $ 800,000 | $ 435,000 |
| Manatee County Florida | 1 | $ 208,000 | $ 208,000 | $ 84,000 |
| Monroe County Florida | 1 | $ 748,000 | $ 748,000 | $ 358,000 |
| Orange County Florida | 1 | $ 184,000 | $ 184,000 | $ 51,000 |
| Polk County Florida | 1 | $ 120,000 | $ 120,000 | $ 76,000 |
| Taylor County Florida | 1 | $ 111,000 | $ 111,000 | $ 137,000 |
| Bartow County Georgia | 1 | $ 336,000 | $ 336,000 | $ 1,779,000 |
| Ben Hill County Georgia | 1 | $ 59,000 | $ 59,000 | $ 54,000 |
| Bleckley County Georgia | 1 | $ 187,000 | $ 187,000 | $ 139,000 |
| Clinch County Georgia | 1 | $ 117,000 | $ 117,000 | $ 32,000 |
| Cobb County Georgia | 1 | $ 175,000 | $ 175,000 | $ 76,000 |
| Fayette County Georgia | 1 | $ 360,000 | $ 360,000 | $ 162,000 |
| Habersham County Georgia | 1 | $ 220,000 | $ 220,000 | $ 110,000 |
| Harris County Georgia | 1 | $ 30,000 | $ 30,000 | $ 76,000 |
| Henry County Georgia | 1 | $ 40,000 | $ 40,000 | $ 60,000 |
| Houston County Georgia | 1 | $ 271,000 | $ 271,000 | $ 139,000 |
| Lamar County Georgia | 1 | $ 41,000 | $ 41,000 | $ 59,000 |
| McIntosh County Georgia | 1 | $ 100,000 | $ 100,000 | $ 49,000 |
| Meriwether County Georgia | 1 | $ 167,000 | $ 167,000 | $ 68,000 |
| Montgomery County Georgia | 1 | $ 52,000 | $ 52,000 | $ 57,000 |
| Newton County Georgia | 1 | $ 116,000 | $ 116,000 | $ 48,000 |
| Paulding County Georgia | 1 | $ 560,000 | $ 560,000 | $ 133,000 |
| Pike County Georgia | 1 | $ 54,000 | $ 54,000 | $ 31,000 |
| Upson County Georgia | 1 | $ 77,000 | $ 77,000 | $ 41,000 |
| Walton County Georgia | 1 | $ 288,000 | $ 288,000 | $ 98,000 |
| Warren County Georgia | 1 | $ 26,000 | $ 26,000 | $ 219,000 |
| Alamance County North Carolina | 1 | $ 266,000 | $ 266,000 | $ 89,000 |
| Avery County North Carolina | 1 | $ 109,000 | $ 109,000 | $ 54,000 |
| Iredell County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 40,000 |
| Union County North Carolina | 1 | $ 214,000 | $ 214,000 | $ 220,000 |
| Coshocton County Ohio | 1 | $ 54,000 | $ 54,000 | $ 112,000 |
| Beaufort County South Carolina | 1 | $ 60,000 | $ 60,000 | $ 50,000 |
| Charleston County South Carolina | 1 | $ 93,000 | $ 93,000 | $ 46,000 |
| Dorchester County South Carolina | 1 | $ 111,000 | $ 111,000 | $ 51,000 |
| Kershaw County South Carolina | 1 | $ 67,000 | $ 67,000 | $ 21,000 |
| Orange County Virginia | 1 | $ 21,000 | $ 21,000 | $ 48,000 |
| Kanawha County West Virginia | 1 | $ 87,000 | $ 87,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for Atlantic Coast Bank in 2005
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 | 480 | $81,330,000 | $116,625 | $1,288,000 | $78,125 | $2,300,000 |
| Refinancing | 271 | $35,807,000 | $93,000 | $1,500,000 | $61,000 | $748,000 |
| Home Improvement | 113 | $4,834,000 | $43,500 | $268,000 | $57,500 | $302,000 |
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 | 654 | $92,288,000 | $109,000 | $1,288,000 | $68,500 | $2,300,000 |
| Black or African American | 92 | $8,320,000 | $92,333 | $840,000 | $77,000 | $803,000 |
| Not Provided | 80 | $14,655,000 | $159,333 | $1,500,000 | $75,666 | $636,000 |
| Hispanic | 21 | $3,409,000 | $148,666 | $852,000 | $65,333 | $240,000 |
| Asian | 11 | $2,213,000 | $174,000 | $650,000 | $523,000 | $1,919,000 |
| American Indian or Alaskan Native | 4 | $598,000 | $186,500 | $261,000 | $83,500 | $123,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $131,000 | $131,000 | $131,000 | $40,000 | $40,000 |
| Not applicable | 1 | $357,000 | $357,000 | $357,000 | $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) | 864 | $121,971,000 | $109,000 | $1,500,000 | $73,250 | $2,300,000 |
| 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 | 533 | $76,651,000 | $151,714 | $1,288,000 | $103,285 | $2,300,000 |
| Application Denied By Financial Institution | 122 | $15,486,000 | $128,000 | $1,500,000 | $66,800 | $280,000 |
| Application Withdrawn By Applicant | 76 | $12,644,000 | $131,400 | $840,000 | $61,200 | $449,000 |
| Application Approved But Not Accepted | 66 | $8,689,000 | $103,333 | $1,133,000 | $61,666 | $748,000 |
| Preapproval Denied by Financial Institution | 32 | $3,621,000 | $113,000 | $320,000 | $47,000 | $96,000 |
| Preapproval Approved but not Accepted | 29 | $4,005,000 | $138,000 | $350,000 | $70,000 | $401,000 |
| File Closed For Incompleteness | 6 | $875,000 | $145,500 | $480,000 | $208,000 | $803,000 |
| 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 | 79 | $7,275,000 | $96,000 | $368,000 | $44,333 | $162,000 |
| Debt-To-Income Ratio | 29 | $6,083,000 | $168,200 | $1,500,000 | $51,600 | $280,000 |
| Credit Application Incomplete | 24 | $2,893,000 | $99,500 | $320,000 | $72,500 | $112,000 |
| Collateral | 14 | $1,552,000 | $105,500 | $224,000 | $64,000 | $264,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $704,000 | $110,333 | $214,000 | $50,666 | $180,000 |
| Other | 2 | $600,000 | $300,000 | $420,000 | $107,000 | $144,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Coast Bank's 2005 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.