Atlantic Coast Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Atlantic Coast Bank 2010 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 | 1,868 |
| Total Mortgage Loan Application Amount | $241,374,000 |
| Average Mortgage Loan Application Amount | $121,333 |
| Highest Mortgage Loan Application Amount | $1,650,000 |
| Average Applicant Income | $79,333 |
| Highest Applicant Income | $2,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| JACKSONVILLE, FL | 495 | $ 95,580,000 | $ 193,000 | $ 103,000 |
| SAVANNAH, GA | 33 | $ 7,483,000 | $ 226,000 | $ 88,000 |
| OKLAHOMA CITY, OK | 28 | $ 1,815,000 | $ 64,000 | $ 51,000 |
| TULSA, OK | 26 | $ 1,787,000 | $ 68,000 | $ 47,000 |
| NASSAU-SUFFOLK, NY | 24 | $ 8,555,000 | $ 356,000 | $ 117,000 |
| NEW YORK-WHITE PLAINS-WAYNE, NY-NJ | 24 | $ 8,627,000 | $ 356,000 | $ 127,500 |
| NEWARK-UNION, NJ-PA | 24 | $ 8,743,000 | $ 364,000 | $ 221,000 |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | 19 | $ 1,405,000 | $ 73,000 | $ 53,000 |
| BRUNSWICK, GA | 18 | $ 1,772,000 | $ 98,000 | $ 59,000 |
| BIRMINGHAM-HOOVER, AL | 17 | $ 1,616,000 | $ 95,000 | $ 87,000 |
| READING, PA | 17 | $ 3,194,000 | $ 187,000 | $ 120,000 |
| TUCSON, AZ | 16 | $ 1,202,000 | $ 75,000 | $ 41,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 14 | $ 3,053,000 | $ 218,000 | $ 211,000 |
| BATON ROUGE, LA | 12 | $ 778,000 | $ 64,000 | $ 58,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 12 | $ 739,000 | $ 61,000 | $ 51,000 |
| TUSCALOOSA, AL | 12 | $ 774,000 | $ 64,000 | $ 39,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 11 | $ 1,114,000 | $ 101,000 | $ 72,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 10 | $ 1,196,000 | $ 119,000 | $ 81,000 |
| DOTHAN, AL | 10 | $ 513,000 | $ 51,000 | $ 44,000 |
| ALEXANDRIA, LA | 9 | $ 619,000 | $ 68,000 | $ 50,000 |
| FORT SMITH, AR-OK | 9 | $ 504,000 | $ 56,500 | $ 62,000 |
| HOUMA-BAYOU CANE-THIBODAUX, LA | 9 | $ 513,000 | $ 57,000 | $ 53,000 |
| MONROE, LA | 8 | $ 557,000 | $ 69,000 | $ 58,000 |
| ANNISTON-OXFORD, AL | 7 | $ 446,000 | $ 63,000 | $ 45,000 |
| EDISON-NEW BRUNSWICK, NJ | 7 | $ 1,885,000 | $ 269,000 | $ 236,000 |
| LAFAYETTE, LA | 7 | $ 334,000 | $ 47,000 | $ 46,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 7 | $ 510,000 | $ 72,000 | $ 58,000 |
| PHILADELPHIA, PA | 7 | $ 1,520,000 | $ 217,000 | $ 96,000 |
| ALBUQUERQUE, NM | 6 | $ 242,000 | $ 40,000 | $ 33,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 6 | $ 1,372,000 | $ 228,000 | $ 139,000 |
| KNOXVILLE, TN | 6 | $ 366,000 | $ 61,000 | $ 37,000 |
| LAKE CHARLES, LA | 6 | $ 220,000 | $ 36,000 | $ 30,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 6 | $ 864,000 | $ 144,000 | $ 74,000 |
| MACON, GA | 6 | $ 997,000 | $ 166,000 | $ 60,000 |
| MEMPHIS, TN-MS-AR | 6 | $ 540,000 | $ 90,000 | $ 45,000 |
| MONTGOMERY, AL | 6 | $ 414,000 | $ 69,000 | $ 48,000 |
| PINE BLUFF, AR | 6 | $ 308,000 | $ 51,000 | $ 37,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 6 | $ 443,000 | $ 73,000 | $ 64,000 |
| SHREVEPORT-BOSSIER CITY, LA | 6 | $ 451,000 | $ 75,000 | $ 71,000 |
| TALLAHASSEE, FL | 6 | $ 708,000 | $ 118,000 | $ 89,000 |
| VALDOSTA, GA | 6 | $ 470,000 | $ 78,000 | $ 48,000 |
| CAPE CORAL-FORT MYERS, FL | 5 | $ 346,000 | $ 69,000 | $ 41,000 |
| GAINESVILLE, FL | 5 | $ 424,000 | $ 84,000 | $ 90,000 |
| JACKSON, MS | 5 | $ 279,000 | $ 55,000 | $ 41,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 5 | $ 370,000 | $ 74,000 | $ 69,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 5 | $ 222,000 | $ 44,000 | $ 57,000 |
| OCALA, FL | 5 | $ 393,000 | $ 78,000 | $ 38,000 |
| PHOENIX-MESA-GLENDALE, AZ | 5 | $ 188,000 | $ 37,000 | $ 71,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 5 | $ 816,000 | $ 163,000 | $ 117,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 4 | $ 576,000 | $ 166,000 | $ 76,500 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 4 | $ 182,000 | $ 45,000 | $ 35,000 |
| FLAGSTAFF, AZ | 4 | $ 108,000 | $ 27,000 | $ 42,000 |
| FLORENCE-MUSCLE SHOALS, AL | 4 | $ 201,000 | $ 50,000 | $ 28,000 |
| GREENVILLE-MAULDIN-EASLEY, SC | 4 | $ 201,000 | $ 50,000 | $ 42,000 |
| GULFPORT-BILOXI, MS | 4 | $ 236,000 | $ 59,000 | $ 58,000 |
| HINESVILLE-FORT STEWART, GA | 4 | $ 208,000 | $ 52,000 | $ 54,000 |
| AUGUSTA-RICHMOND COUNTY, GA-SC | 3 | $ 166,000 | $ 71,000 | $ 39,500 |
| CAMDEN, NJ | 3 | $ 644,000 | $ 214,000 | $ 98,000 |
| CHARLOTTE-GASTONIA-ROCK HILL, NC-SC | 3 | $ 365,000 | $ 121,000 | $ 58,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 3 | $ 213,000 | $ 71,000 | $ 48,000 |
| EUGENE-SPRINGFIELD, OR | 3 | $ 237,000 | $ 79,000 | $ 48,000 |
| FLORENCE, SC | 3 | $ 194,000 | $ 64,000 | $ 42,000 |
| HATTIESBURG, MS | 3 | $ 392,000 | $ 130,000 | $ 98,000 |
| JONESBORO, AR | 3 | $ 189,000 | $ 63,000 | $ 41,000 |
| NEW ORLEANS-METAIRIE-KENNER, LA | 3 | $ 149,000 | $ 49,000 | $ 67,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 3 | $ 255,000 | $ 85,000 | $ 50,000 |
| PASCAGOULA, MS | 3 | $ 103,000 | $ 34,000 | $ 26,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 3 | $ 309,000 | $ 103,000 | $ 70,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 3 | $ 232,000 | $ 77,000 | $ 52,000 |
| TRENTON-EWING, NJ | 3 | $ 2,059,000 | $ 686,000 | $ 552,000 |
| ANDERSON, SC | 2 | $ 170,000 | $ 85,000 | $ 44,000 |
| ATHENS-CLARKE COUNTY, GA | 2 | $ 265,000 | $ 132,000 | $ 203,000 |
| AUBURN-OPELIKA, AL | 2 | $ 128,000 | $ 64,000 | $ 57,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 2 | $ 517,000 | $ 258,000 | $ 129,000 |
| CHATTANOOGA, TN-GA | 2 | $ 204,000 | $ 102,000 | $ 105,000 |
| COLORADO SPRINGS, CO | 2 | $ 89,000 | $ 44,000 | $ 80,000 |
| COLUMBIA, SC | 2 | $ 161,000 | $ 80,000 | $ 36,000 |
| COLUMBUS, GA-AL | 2 | $ 143,000 | $ 71,500 | $ 30,500 |
| DALLAS-PLANO-IRVING, TX | 2 | $ 551,000 | $ 275,000 | $ 92,000 |
| DECATUR, AL | 2 | $ 146,000 | $ 73,000 | $ 40,000 |
| DENVER-AURORA-BROOMFIELD, CO | 2 | $ 46,000 | $ 23,000 | $ 35,000 |
| FAYETTEVILLE, NC | 2 | $ 115,000 | $ 57,000 | $ 29,000 |
| GRAND JUNCTION, CO | 2 | $ 169,000 | $ 84,000 | $ 122,000 |
| HOT SPRINGS, AR | 2 | $ 106,000 | $ 53,000 | $ 30,000 |
| LAS CRUCES, NM | 2 | $ 83,000 | $ 41,000 | $ 46,000 |
| LAWTON, OK | 2 | $ 209,000 | $ 104,000 | $ 69,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 2 | $ 447,000 | $ 223,000 | $ 113,000 |
| MORRISTOWN, TN | 2 | $ 162,000 | $ 81,000 | $ 67,000 |
| OCEAN CITY, NJ | 2 | $ 565,000 | $ 282,000 | $ 78,000 |
| PALM COAST, FL | 2 | $ 308,000 | $ 154,000 | $ 65,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 2 | $ 169,000 | $ 84,000 | $ 46,000 |
| RALEIGH-CARY, NC | 2 | $ 121,000 | $ 60,000 | $ 87,000 |
| SALEM, OR | 2 | $ 89,000 | $ 44,000 | $ 53,000 |
| SANTA FE, NM | 2 | $ 171,000 | $ 85,000 | $ 36,000 |
| SPARTANBURG, SC | 2 | $ 61,000 | $ 30,000 | $ 26,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 2 | $ 757,000 | $ 378,000 | $ 126,000 |
| ASHEVILLE, NC | 1 | $ 105,000 | $ 105,000 | $ 44,000 |
| BELLINGHAM, WA | 1 | $ 76,000 | $ 76,000 | $ 27,000 |
| BETHESDA-ROCKVILLE-FREDERICK, MD | 1 | $ 362,000 | $ 362,000 | $ 62,000 |
| BREMERTON-SILVERDALE, WA | 1 | $ 64,000 | $ 64,000 | $ 64,000 |
| CHARLESTON-NORTH CHARLESTON-SUMMERVILLE, SC | 1 | $ 29,000 | $ 29,000 | $ 44,000 |
| CHICO, CA | 1 | $ 158,000 | $ 158,000 | $ 53,000 |
| CLEVELAND, TN | 1 | $ 38,000 | $ 38,000 | $ 36,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 1 | $ 915,000 | $ 915,000 | $ 429,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 1 | $ 152,000 | $ 152,000 | $ 148,000 |
| GOLDSBORO, NC | 1 | $ 60,000 | $ 60,000 | $ 30,000 |
| GREELEY, CO | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| GREENSBORO-HIGH POINT, NC | 1 | $ 71,000 | $ 71,000 | $ 30,000 |
| HUNTSVILLE, AL | 1 | $ 76,000 | $ 76,000 | $ 34,000 |
| JACKSON, TN | 1 | $ 72,000 | $ 72,000 | $ 36,000 |
| JOHNSON CITY, TN | 1 | $ 92,000 | $ 92,000 | $ 36,000 |
| KINGSPORT-BRISTOL-BRISTOL, TN-VA | 1 | $ 120,000 | $ 120,000 | $ 44,000 |
| LAKELAND-WINTER HAVEN, FL | 1 | $ 21,000 | $ 21,000 | $ 11,000 |
| LANCASTER, PA | 1 | $ 232,000 | $ 232,000 | $ 110,000 |
| MOUNT VERNON-ANACORTES, WA | 1 | $ 39,000 | $ 39,000 | $ 39,000 |
| MYRTLE BEACH-NORTH MYRTLE BEACH-CONWAY, SC | 1 | $ 25,000 | $ 25,000 | $ 29,000 |
| NORTH PORT-BRADENTON-SARASOTA, FL | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| PRESCOTT, AZ | 1 | $ 28,000 | $ 28,000 | $ 46,000 |
| PROVIDENCE-NEW BEDFORD-FALL RIVER, RI-MA | 1 | $ 264,000 | $ 264,000 | $ 59,000 |
| PROVO-OREM, UT | 1 | $ 44,000 | $ 44,000 | $ 31,000 |
| PUNTA GORDA, FL | 1 | $ 75,000 | $ 75,000 | $ 43,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 1 | $ 215,000 | $ 215,000 | $ 53,000 |
| SALT LAKE CITY, UT | 1 | $ 38,000 | $ 38,000 | $ 41,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 1 | $ 63,000 | $ 63,000 | $ 54,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 1 | $ 97,000 | $ 97,000 | $ 37,000 |
| SPOKANE, WA | 1 | $ 58,000 | $ 58,000 | $ 33,000 |
| SUMTER, SC | 1 | $ 43,000 | $ 43,000 | $ 34,000 |
| TEXARKANA, TX-TEXARKANA, AR | 1 | $ 42,000 | $ 42,000 | $ 94,000 |
| WARNER ROBINS, GA | 1 | $ 42,000 | $ 42,000 | $ 22,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 1 | $ 260,000 | $ 260,000 | $ 85,000 |
| WILMINGTON, NC | 1 | $ 59,000 | $ 59,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for Atlantic Coast Bank in 2010
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 | 1,247 | $131,508,000 | $105,000 | $1,650,000 | $69,000 | $1,683,000 |
| Refinancing | 554 | $105,144,000 | $189,000 | $1,500,000 | $101,000 | $2,000,000 |
| Home Improvement | 67 | $4,722,000 | $70,000 | $340,000 | $68,000 | $821,000 |
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 | 1,439 | $177,048,000 | $123,000 | $1,650,000 | $76,000 | $1,683,000 |
| Not Provided | 142 | $28,366,000 | $199,000 | $643,000 | $104,000 | $538,000 |
| Hispanic | 119 | $13,589,000 | $114,000 | $915,000 | $62,000 | $429,000 |
| Black or African American | 116 | $14,370,000 | $123,000 | $917,000 | $70,000 | $1,040,000 |
| Asian | 27 | $5,071,000 | $187,000 | $660,000 | $184,000 | $2,000,000 |
| American Indian or Alaskan Native | 18 | $1,820,000 | $101,000 | $494,000 | $76,000 | $351,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,110,000 | $158,000 | $300,000 | $77,000 | $133,000 |
| Not applicable | 0 | $0 | $0 | $0 | $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) | 1,672 | $207,685,000 | $124,000 | $1,650,000 | $81,000 | $2,000,000 |
| FHA-insured (Federal Housing Administration) | 160 | $28,701,000 | $179,000 | $660,000 | $63,000 | $400,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,524,000 | $160,000 | $300,000 | $66,000 | $133,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 14 | $1,464,000 | $104,000 | $168,000 | $40,000 | $74,000 |
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 | 741 | $102,136,000 | $137,000 | $999,000 | $89,000 | $2,000,000 |
| Application Approved But Not Accepted | 527 | $47,854,000 | $90,000 | $1,650,000 | $70,000 | $1,683,000 |
| Application Denied By Financial Institution | 504 | $75,730,000 | $150,000 | $1,500,000 | $71,000 | $1,031,000 |
| Application Withdrawn By Applicant | 73 | $12,589,000 | $172,000 | $469,000 | $93,000 | $400,000 |
| Preapproval Denied by Financial Institution | 21 | $2,944,000 | $140,000 | $595,000 | $58,000 | $300,000 |
| File Closed For Incompleteness | 2 | $121,000 | $60,000 | $73,000 | $60,000 | $89,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 | 265 | $26,864,000 | $101,000 | $509,000 | $57,000 | $400,000 |
| Debt-To-Income Ratio | 73 | $13,878,000 | $190,000 | $1,085,000 | $58,000 | $266,000 |
| Credit Application Incomplete | 73 | $15,958,000 | $218,000 | $1,500,000 | $93,000 | $660,000 |
| Collateral | 65 | $12,994,000 | $199,000 | $1,000,000 | $98,000 | $1,031,000 |
| Other | 34 | $6,473,000 | $190,000 | $1,000,000 | $114,000 | $599,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 8 | $903,000 | $112,000 | $202,000 | $50,000 | $90,000 |
| Unverifiable Information | 5 | $1,227,000 | $245,000 | $399,000 | $51,000 | $91,000 |
| Mortgage Insurance Denied | 1 | $316,000 | $316,000 | $316,000 | $101,000 | $101,000 |
| Employment History | 1 | $61,000 | $61,000 | $61,000 | $21,000 | $21,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Coast Bank's 2010 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.