Atlantic Coast Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
Atlantic Coast Bank 2009 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 | 1,344 |
| Total Mortgage Loan Application Amount | $187,419,000 |
| Average Mortgage Loan Application Amount | $111,000 |
| Highest Mortgage Loan Application Amount | $1,840,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $1,163,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 316 | $ 54,030,000 | $ 170,000 | $ 79,000 |
| Ware County Georgia | 149 | $ 11,815,000 | $ 79,000 | $ 56,000 |
| St. Johns County Florida | 108 | $ 30,279,000 | $ 280,000 | $ 134,000 |
| Clay County Florida | 83 | $ 14,502,000 | $ 174,000 | $ 75,000 |
| Pierce County Georgia | 52 | $ 5,567,000 | $ 107,000 | $ 75,000 |
| Coffee County Georgia | 38 | $ 3,961,000 | $ 104,000 | $ 56,000 |
| Chatham County Georgia | 32 | $ 4,704,000 | $ 147,000 | $ 80,000 |
| Columbia County Florida | 31 | $ 3,224,000 | $ 104,000 | $ 52,000 |
| Nassau County Florida | 16 | $ 2,649,000 | $ 165,000 | $ 157,000 |
| Leon County Florida | 14 | $ 2,590,000 | $ 185,000 | $ 83,000 |
| Bacon County Georgia | 13 | $ 1,225,000 | $ 94,000 | $ 58,000 |
| Effingham County Georgia | 12 | $ 1,437,000 | $ 119,000 | $ 64,000 |
| Brantley County Georgia | 11 | $ 1,090,000 | $ 99,000 | $ 59,000 |
| Atkinson County Georgia | 9 | $ 600,000 | $ 66,000 | $ 42,000 |
| Appling County Georgia | 7 | $ 1,065,000 | $ 152,000 | $ 63,000 |
| Putnam County Florida | 5 | $ 1,109,000 | $ 221,000 | $ 147,000 |
| Glynn County Georgia | 5 | $ 935,000 | $ 187,000 | $ 145,000 |
| Liberty County Georgia | 5 | $ 480,000 | $ 96,000 | $ 97,000 |
| Mohave County Arizona | 4 | $ 502,000 | $ 125,000 | $ 151,000 |
| Santa Clara County California | 4 | $ 559,000 | $ 139,000 | $ 90,000 |
| Ben Hill County Georgia | 4 | $ 122,000 | $ 30,000 | $ 90,000 |
| Dougherty County Georgia | 4 | $ 176,000 | $ 44,000 | $ 28,000 |
| Fulton County Georgia | 4 | $ 787,000 | $ 196,000 | $ 88,000 |
| McIntosh County Georgia | 4 | $ 303,000 | $ 75,000 | $ 30,000 |
| Wayne County Georgia | 4 | $ 410,000 | $ 102,000 | $ 59,000 |
| Berkeley County South Carolina | 4 | $ 217,000 | $ 54,000 | $ 49,000 |
| Calhoun County Alabama | 3 | $ 193,000 | $ 64,000 | $ 62,000 |
| Maricopa County Arizona | 3 | $ 423,000 | $ 141,000 | $ 90,000 |
| Baker County Florida | 3 | $ 638,000 | $ 212,000 | $ 81,000 |
| Brevard County Florida | 3 | $ 455,000 | $ 151,000 | $ 57,000 |
| Flagler County Florida | 3 | $ 769,000 | $ 256,000 | $ 71,000 |
| Sumter County Florida | 3 | $ 526,000 | $ 175,000 | $ 37,000 |
| Suwannee County Florida | 3 | $ 110,000 | $ 36,000 | $ 49,000 |
| Volusia County Florida | 3 | $ 563,000 | $ 187,000 | $ 74,000 |
| Charlton County Georgia | 3 | $ 416,000 | $ 138,000 | $ 118,000 |
| Franklin County Pennsylvania | 3 | $ 436,000 | $ 145,000 | $ 69,000 |
| Elmore County Alabama | 2 | $ 71,000 | $ 35,000 | $ 52,000 |
| Navajo County Arizona | 2 | $ 167,000 | $ 83,000 | $ 85,000 |
| White County Arkansas | 2 | $ 133,000 | $ 66,000 | $ 40,000 |
| San Bernardino County California | 2 | $ 145,000 | $ 72,000 | $ 63,000 |
| Broward County Florida | 2 | $ 778,000 | $ 389,000 | $ 106,000 |
| Gadsden County Florida | 2 | $ 333,000 | $ 166,000 | $ 131,000 |
| Orange County Florida | 2 | $ 418,000 | $ 209,000 | $ 141,000 |
| Polk County Florida | 2 | $ 180,000 | $ 90,000 | $ 46,000 |
| Seminole County Florida | 2 | $ 496,000 | $ 248,000 | $ 86,000 |
| Bryan County Georgia | 2 | $ 295,000 | $ 147,000 | $ 47,000 |
| Bulloch County Georgia | 2 | $ 241,000 | $ 120,000 | $ 80,000 |
| Camden County Georgia | 2 | $ 198,000 | $ 99,000 | $ 41,000 |
| Cherokee County Georgia | 2 | $ 512,000 | $ 256,000 | $ 142,000 |
| Gwinnett County Georgia | 2 | $ 223,000 | $ 111,000 | $ 80,000 |
| Long County Georgia | 2 | $ 182,000 | $ 91,000 | $ 23,000 |
| Richmond County Georgia | 2 | $ 174,000 | $ 87,000 | $ 67,000 |
| Screven County Georgia | 2 | $ 116,000 | $ 58,000 | $ 47,000 |
| Iberia County Louisiana | 2 | $ 157,000 | $ 78,000 | $ 60,000 |
| Rapides County Louisiana | 2 | $ 184,000 | $ 92,000 | $ 53,000 |
| St. Martin County Louisiana | 2 | $ 110,000 | $ 55,000 | $ 40,000 |
| Chaves County New Mexico | 2 | $ 149,000 | $ 74,000 | $ 121,000 |
| Bladen County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 46,000 |
| Pender County North Carolina | 2 | $ 252,000 | $ 126,000 | $ 68,000 |
| Union County North Carolina | 2 | $ 223,000 | $ 111,000 | $ 46,000 |
| Tulsa County Oklahoma | 2 | $ 147,000 | $ 73,000 | $ 60,000 |
| Clackamas County Oregon | 2 | $ 196,000 | $ 98,000 | $ 33,000 |
| Multnomah County Oregon | 2 | $ 89,000 | $ 44,000 | $ 75,000 |
| Washington County Oregon | 2 | $ 149,000 | $ 74,000 | $ 67,000 |
| Carroll County Tennessee | 2 | $ 159,000 | $ 79,000 | $ 61,000 |
| Autauga County Alabama | 1 | $ 103,000 | $ 103,000 | $ 39,000 |
| Blount County Alabama | 1 | $ 36,000 | $ 36,000 | $ 16,000 |
| Escambia County Alabama | 1 | $ 47,000 | $ 47,000 | $ 36,000 |
| Mobile County Alabama | 1 | $ 50,000 | $ 50,000 | $ 25,000 |
| Montgomery County Alabama | 1 | $ 39,000 | $ 39,000 | $ 30,000 |
| Shelby County Alabama | 1 | $ 64,000 | $ 64,000 | $ 68,000 |
| Cochise County Arizona | 1 | $ 102,000 | $ 102,000 | $ 32,000 |
| Pima County Arizona | 1 | $ 47,000 | $ 47,000 | $ 68,000 |
| Lawrence County Arkansas | 1 | $ 27,000 | $ 27,000 | $ 68,000 |
| Lonoke County Arkansas | 1 | $ 151,000 | $ 151,000 | $ 79,000 |
| Miller County Arkansas | 1 | $ 78,000 | $ 78,000 | $ 48,000 |
| Randolph County Arkansas | 1 | $ 32,000 | $ 32,000 | $ 250,000 |
| Saline County Arkansas | 1 | $ 27,000 | $ 27,000 | $ 44,000 |
| St. Francis County Arkansas | 1 | $ 50,000 | $ 50,000 | $ 107,000 |
| Union County Arkansas | 1 | $ 44,000 | $ 44,000 | $ 50,000 |
| San Benito County California | 1 | $ 81,000 | $ 81,000 | $ 89,000 |
| San Diego County California | 1 | $ 73,000 | $ 73,000 | $ 49,000 |
| San Luis Obispo County California | 1 | $ 102,000 | $ 102,000 | $ 50,000 |
| Sonoma County California | 1 | $ 134,000 | $ 134,000 | $ 65,000 |
| Stanislaus County California | 1 | $ 150,000 | $ 150,000 | $ 75,000 |
| Ventura County California | 1 | $ 56,000 | $ 56,000 | $ 32,000 |
| Alachua County Florida | 1 | $ 65,000 | $ 65,000 | $ 182,000 |
| Bradford County Florida | 1 | $ 102,000 | $ 102,000 | $ 28,000 |
| Gulf County Florida | 1 | $ 73,000 | $ 73,000 | $ 71,000 |
| Hendry County Florida | 1 | $ 54,000 | $ 54,000 | $ 42,000 |
| Lake County Florida | 1 | $ 103,000 | $ 103,000 | $ 34,000 |
| Lee County Florida | 1 | $ 57,000 | $ 57,000 | $ 67,000 |
| Madison County Florida | 1 | $ 133,000 | $ 133,000 | $ 77,000 |
| Marion County Florida | 1 | $ 85,000 | $ 85,000 | $ 20,000 |
| Martin County Florida | 1 | $ 257,000 | $ 257,000 | $ 513,000 |
| Miami-Dade County Florida | 1 | $ 148,000 | $ 148,000 | $ 0 |
| Palm Beach County Florida | 1 | $ 145,000 | $ 145,000 | $ 168,000 |
| Pinellas County Florida | 1 | $ 164,000 | $ 164,000 | $ 269,000 |
| Santa Rosa County Florida | 1 | $ 73,000 | $ 73,000 | $ 182,000 |
| Union County Florida | 1 | $ 70,000 | $ 70,000 | $ 56,000 |
| Wakulla County Florida | 1 | $ 25,000 | $ 25,000 | $ 55,000 |
| Baldwin County Georgia | 1 | $ 81,000 | $ 81,000 | $ 89,000 |
| Berrien County Georgia | 1 | $ 138,000 | $ 138,000 | $ 129,000 |
| Candler County Georgia | 1 | $ 59,000 | $ 59,000 | $ 51,000 |
| Clinch County Georgia | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Cobb County Georgia | 1 | $ 317,000 | $ 317,000 | $ 248,000 |
| Gordon County Georgia | 1 | $ 51,000 | $ 51,000 | $ 56,000 |
| Hancock County Georgia | 1 | $ 136,000 | $ 136,000 | $ 55,000 |
| Henry County Georgia | 1 | $ 107,000 | $ 107,000 | $ 83,000 |
| Houston County Georgia | 1 | $ 86,000 | $ 86,000 | $ 50,000 |
| Jeff Davis County Georgia | 1 | $ 84,000 | $ 84,000 | $ 181,000 |
| Lanier County Georgia | 1 | $ 133,000 | $ 133,000 | $ 42,000 |
| Lee County Georgia | 1 | $ 165,000 | $ 165,000 | $ 38,000 |
| Monroe County Georgia | 1 | $ 87,000 | $ 87,000 | $ 26,000 |
| Montgomery County Georgia | 1 | $ 30,000 | $ 30,000 | $ 34,000 |
| Paulding County Georgia | 1 | $ 75,000 | $ 75,000 | $ 68,000 |
| Tattnall County Georgia | 1 | $ 33,000 | $ 33,000 | $ 53,000 |
| Upson County Georgia | 1 | $ 77,000 | $ 77,000 | $ 32,000 |
| Wheeler County Georgia | 1 | $ 48,000 | $ 48,000 | $ 41,000 |
| Kendall County Illinois | 1 | $ 185,000 | $ 185,000 | $ 184,000 |
| Caddo County Louisiana | 1 | $ 56,000 | $ 56,000 | $ 34,000 |
| Calcasieu County Louisiana | 1 | $ 118,000 | $ 118,000 | $ 70,000 |
| Franklin County Louisiana | 1 | $ 64,000 | $ 64,000 | $ 28,000 |
| Jefferson County Louisiana | 1 | $ 162,000 | $ 162,000 | $ 65,000 |
| Lafayette County Louisiana | 1 | $ 21,000 | $ 21,000 | $ 29,000 |
| Lincoln County Louisiana | 1 | $ 88,000 | $ 88,000 | $ 29,000 |
| St. Landry County Louisiana | 1 | $ 202,000 | $ 202,000 | $ 67,000 |
| St. Mary County Louisiana | 1 | $ 37,000 | $ 37,000 | $ 31,000 |
| St. Tammany County Louisiana | 1 | $ 190,000 | $ 190,000 | $ 42,000 |
| Tangipahoa County Louisiana | 1 | $ 32,000 | $ 32,000 | $ 79,000 |
| Terrebonne County Louisiana | 1 | $ 52,000 | $ 52,000 | $ 107,000 |
| Union County Louisiana | 1 | $ 109,000 | $ 109,000 | $ 192,000 |
| Vermilion County Louisiana | 1 | $ 102,000 | $ 102,000 | $ 46,000 |
| Washington County Louisiana | 1 | $ 79,000 | $ 79,000 | $ 35,000 |
| Worcester County Massachusetts | 1 | $ 261,000 | $ 261,000 | $ 132,000 |
| Clay County Mississippi | 1 | $ 56,000 | $ 56,000 | $ 32,000 |
| Lauderdale County Mississippi | 1 | $ 34,000 | $ 34,000 | $ 27,000 |
| Rankin County Mississippi | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Tippah County Mississippi | 1 | $ 75,000 | $ 75,000 | $ 53,000 |
| Granite County Montana | 1 | $ 110,000 | $ 110,000 | $ 36,000 |
| Clark County Nevada | 1 | $ 18,000 | $ 18,000 | $ 24,000 |
| Sussex County New Jersey | 1 | $ 302,000 | $ 302,000 | $ 105,000 |
| Bernalillo County New Mexico | 1 | $ 245,000 | $ 245,000 | $ 7,000 |
| Lea County New Mexico | 1 | $ 16,000 | $ 16,000 | $ 33,000 |
| Otero County New Mexico | 1 | $ 31,000 | $ 31,000 | $ 26,000 |
| Rio Arriba County New Mexico | 1 | $ 52,000 | $ 52,000 | $ 54,000 |
| San Juan County New Mexico | 1 | $ 53,000 | $ 53,000 | $ 62,000 |
| Sierra County New Mexico | 1 | $ 37,000 | $ 37,000 | $ 43,000 |
| Socorro County New Mexico | 1 | $ 53,000 | $ 53,000 | $ 52,000 |
| Westchester County New York | 1 | $ 120,000 | $ 120,000 | $ 83,000 |
| Brunswick County North Carolina | 1 | $ 77,000 | $ 77,000 | $ 53,000 |
| Cherokee County North Carolina | 1 | $ 37,000 | $ 37,000 | $ 23,000 |
| Currituck County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 38,000 |
| Guilford County North Carolina | 1 | $ 169,000 | $ 169,000 | $ 96,000 |
| Macon County North Carolina | 1 | $ 52,000 | $ 52,000 | $ 87,000 |
| Mecklenburg County North Carolina | 1 | $ 161,000 | $ 161,000 | $ 53,000 |
| Robeson County North Carolina | 1 | $ 69,000 | $ 69,000 | $ 27,000 |
| Scotland County North Carolina | 1 | $ 29,000 | $ 29,000 | $ 64,000 |
| Wake County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 42,000 |
| Beckham County Oklahoma | 1 | $ 38,000 | $ 38,000 | $ 114,000 |
| Hughes County Oklahoma | 1 | $ 50,000 | $ 50,000 | $ 51,000 |
| Le Flore County Oklahoma | 1 | $ 18,000 | $ 18,000 | $ 150,000 |
| Lincoln County Oklahoma | 1 | $ 83,000 | $ 83,000 | $ 68,000 |
| Marshall County Oklahoma | 1 | $ 137,000 | $ 137,000 | $ 67,000 |
| McIntosh County Oklahoma | 1 | $ 68,000 | $ 68,000 | $ 40,000 |
| Okfuskee County Oklahoma | 1 | $ 62,000 | $ 62,000 | $ 24,000 |
| Oklahoma County Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Payne County Oklahoma | 1 | $ 119,000 | $ 119,000 | $ 53,000 |
| Klamath County Oregon | 1 | $ 70,000 | $ 70,000 | $ 48,000 |
| Lane County Oregon | 1 | $ 43,000 | $ 43,000 | $ 50,000 |
| Wallowa County Oregon | 1 | $ 80,000 | $ 80,000 | $ 50,000 |
| Oconee County South Carolina | 1 | $ 82,000 | $ 82,000 | $ 36,000 |
| Union County South Carolina | 1 | $ 110,000 | $ 110,000 | $ 65,000 |
| Pennington County South Dakota | 1 | $ 209,000 | $ 209,000 | $ 80,000 |
| Claiborne County Tennessee | 1 | $ 44,000 | $ 44,000 | $ 22,000 |
| Jefferson County Tennessee | 1 | $ 68,000 | $ 68,000 | $ 47,000 |
| Knox County Tennessee | 1 | $ 62,000 | $ 62,000 | $ 21,000 |
| Dallas County Texas | 1 | $ 256,000 | $ 256,000 | $ 36,000 |
| Fort Bend County Texas | 1 | $ 116,000 | $ 116,000 | $ 53,000 |
| Harris County Texas | 1 | $ 139,000 | $ 139,000 | $ 63,000 |
| Goochland County Virginia | 1 | $ 150,000 | $ 150,000 | $ 52,000 |
| Williamsburg County Virginia | 1 | $ 137,000 | $ 137,000 | $ 116,000 |
| Lewis County Washington | 1 | $ 157,000 | $ 157,000 | $ 72,000 |
| Mason County Washington | 1 | $ 134,000 | $ 134,000 | $ 264,000 |
| Snohomish County Washington | 1 | $ 51,000 | $ 51,000 | $ 48,000 |
| Thurston County Washington | 1 | $ 29,000 | $ 29,000 | $ 12,000 |
| Harrison County West Virginia | 1 | $ 98,000 | $ 98,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Atlantic Coast Bank in 2009
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 | 668 | $85,592,000 | $128,000 | $1,840,000 | $67,000 | $1,163,000 |
| Refinancing | 611 | $98,961,000 | $161,000 | $1,400,000 | $81,000 | $866,000 |
| Home Improvement | 65 | $2,866,000 | $44,000 | $389,000 | $59,000 | $386,000 |
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 | 1,001 | $142,794,000 | $142,000 | $1,840,000 | $77,000 | $1,163,000 |
| Black or African American | 159 | $18,400,000 | $115,000 | $387,000 | $53,000 | $348,000 |
| Hispanic | 90 | $9,410,000 | $104,000 | $305,000 | $41,000 | $365,000 |
| Not Provided | 67 | $12,341,000 | $184,000 | $1,528,000 | $93,000 | $767,000 |
| Asian | 16 | $2,706,000 | $169,000 | $417,000 | $89,000 | $513,000 |
| American Indian or Alaskan Native | 6 | $595,000 | $99,000 | $252,000 | $54,000 | $72,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $744,000 | $248,000 | $316,000 | $161,000 | $307,000 |
| Not applicable | 2 | $429,000 | $214,000 | $267,000 | $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) | 931 | $129,750,000 | $139,000 | $1,840,000 | $83,000 | $1,163,000 |
| FHA-insured (Federal Housing Administration) | 343 | $46,828,000 | $136,000 | $391,000 | $47,000 | $252,000 |
| VA-guaranteed (Veterans Administration) | 41 | $7,731,000 | $188,000 | $422,000 | $67,000 | $348,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $3,110,000 | $107,000 | $219,000 | $47,000 | $101,000 |
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 | 524 | $80,212,000 | $153,000 | $1,528,000 | $84,000 | $813,000 |
| Application Denied By Financial Institution | 266 | $34,446,000 | $129,000 | $1,840,000 | $62,000 | $866,000 |
| Application Approved But Not Accepted | 227 | $28,769,000 | $126,000 | $900,000 | $83,000 | $1,163,000 |
| Preapproval Denied by Financial Institution | 177 | $18,716,000 | $105,000 | $277,000 | $38,000 | $348,000 |
| Application Withdrawn By Applicant | 116 | $20,508,000 | $176,000 | $960,000 | $82,000 | $659,000 |
| File Closed For Incompleteness | 29 | $4,119,000 | $142,000 | $340,000 | $55,000 | $300,000 |
| Preapproval Approved but not Accepted | 5 | $649,000 | $129,000 | $157,000 | $96,000 | $269,000 |
| 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 | 201 | $19,468,000 | $96,000 | $288,000 | $42,000 | $348,000 |
| Credit Application Incomplete | 82 | $9,691,000 | $118,000 | $284,000 | $49,000 | $400,000 |
| Debt-To-Income Ratio | 62 | $8,487,000 | $136,000 | $368,000 | $42,000 | $114,000 |
| Collateral | 40 | $7,109,000 | $177,000 | $417,000 | $97,000 | $866,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 29 | $3,012,000 | $103,000 | $375,000 | $58,000 | $219,000 |
| Other | 17 | $3,707,000 | $218,000 | $1,840,000 | $115,000 | $610,000 |
| Mortgage Insurance Denied | 7 | $1,240,000 | $177,000 | $554,000 | $59,000 | $146,000 |
| Employment History | 3 | $280,000 | $93,000 | $125,000 | $29,000 | $37,000 |
| Unverifiable Information | 2 | $168,000 | $84,000 | $148,000 | $37,000 | $60,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Coast Bank's 2009 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.
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with aggregated HMDA statistics today.