Atlantic Coast Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
Atlantic Coast Bank 2011 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 Ave Waycross, GA 31501 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,193 |
| Total Mortgage Loan Application Amount | $258,063,000 |
| Average Mortgage Loan Application Amount | $176,333 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $103,000 |
| Highest Applicant Income | $1,703,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 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 2011 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 2011.
| 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 | 154 | $ 24,702,000 | $ 160,000 | $ 117,000 |
| Ware County Georgia | 87 | $ 7,364,000 | $ 84,000 | $ 61,000 |
| St. Johns County Florida | 86 | $ 19,487,000 | $ 226,000 | $ 112,000 |
| Suffolk County New York | 58 | $ 17,944,000 | $ 309,000 | $ 156,000 |
| Chatham County Georgia | 38 | $ 6,765,000 | $ 178,000 | $ 75,000 |
| Pierce County Georgia | 38 | $ 3,745,000 | $ 98,000 | $ 62,000 |
| Coffee County Georgia | 27 | $ 2,035,000 | $ 75,000 | $ 53,000 |
| Broward County Florida | 26 | $ 5,819,000 | $ 223,000 | $ 116,000 |
| Clay County Florida | 25 | $ 3,529,000 | $ 141,000 | $ 91,000 |
| Nassau County New York | 23 | $ 6,454,000 | $ 280,000 | $ 99,000 |
| Palm Beach County Florida | 21 | $ 4,101,000 | $ 195,000 | $ 157,000 |
| Berks County Pennsylvania | 20 | $ 3,427,000 | $ 171,000 | $ 68,000 |
| Miami-Dade County Florida | 16 | $ 3,347,000 | $ 209,000 | $ 120,000 |
| Brantley County Georgia | 16 | $ 1,362,000 | $ 85,000 | $ 61,000 |
| Kings County New York | 13 | $ 4,302,000 | $ 330,000 | $ 105,000 |
| Queens County New York | 13 | $ 4,394,000 | $ 338,000 | $ 132,000 |
| Bergen County New Jersey | 11 | $ 4,062,000 | $ 369,000 | $ 140,000 |
| Effingham County Georgia | 10 | $ 1,904,000 | $ 190,000 | $ 66,000 |
| Camden County New Jersey | 10 | $ 2,132,000 | $ 213,000 | $ 254,000 |
| Monmouth County New Jersey | 10 | $ 3,718,000 | $ 371,000 | $ 168,000 |
| Montgomery County Pennsylvania | 10 | $ 3,553,000 | $ 355,000 | $ 257,000 |
| Los Angeles County California | 9 | $ 3,455,000 | $ 383,000 | $ 127,000 |
| Orange County California | 9 | $ 5,045,000 | $ 560,000 | $ 219,000 |
| Nassau County Florida | 9 | $ 1,817,000 | $ 201,000 | $ 94,000 |
| Montgomery County Maryland | 9 | $ 3,789,000 | $ 421,000 | $ 222,000 |
| Westchester County New York | 9 | $ 2,537,000 | $ 281,000 | $ 76,000 |
| Fairfax County Virginia | 9 | $ 3,358,000 | $ 373,000 | $ 157,000 |
| Bacon County Georgia | 7 | $ 738,000 | $ 105,000 | $ 63,000 |
| Burlington County New Jersey | 7 | $ 2,029,000 | $ 289,000 | $ 170,000 |
| Mercer County New Jersey | 7 | $ 2,099,000 | $ 299,000 | $ 175,000 |
| Middlesex County New Jersey | 7 | $ 2,525,000 | $ 360,000 | $ 154,000 |
| Morris County New Jersey | 7 | $ 2,077,000 | $ 296,000 | $ 168,000 |
| San Diego County California | 6 | $ 2,812,000 | $ 468,000 | $ 171,000 |
| Fairfield County Connecticut | 6 | $ 2,823,000 | $ 470,000 | $ 248,000 |
| Flagler County Florida | 6 | $ 1,233,000 | $ 205,000 | $ 201,000 |
| Hillsborough County Florida | 6 | $ 2,112,000 | $ 352,000 | $ 116,000 |
| Wake County North Carolina | 6 | $ 1,601,000 | $ 266,000 | $ 143,000 |
| Lehigh County Pennsylvania | 6 | $ 1,232,000 | $ 205,000 | $ 89,000 |
| Schuylkill County Pennsylvania | 6 | $ 573,000 | $ 95,000 | $ 60,000 |
| New Castle County Delaware | 5 | $ 1,655,000 | $ 331,000 | $ 130,000 |
| Alachua County Florida | 5 | $ 1,353,000 | $ 270,000 | $ 149,000 |
| Fulton County Georgia | 5 | $ 1,300,000 | $ 260,000 | $ 246,000 |
| Wayne County Georgia | 5 | $ 316,000 | $ 63,000 | $ 41,000 |
| Howard County Maryland | 5 | $ 1,710,000 | $ 342,000 | $ 165,000 |
| Cape May County New Jersey | 5 | $ 1,058,000 | $ 211,000 | $ 155,000 |
| Hudson County New Jersey | 5 | $ 1,222,000 | $ 244,000 | $ 157,000 |
| Bucks County Pennsylvania | 5 | $ 1,384,000 | $ 276,000 | $ 120,000 |
| Philadelphia County Pennsylvania | 5 | $ 945,000 | $ 189,000 | $ 90,000 |
| Santa Clara County California | 4 | $ 1,873,000 | $ 468,000 | $ 174,000 |
| Lee County Florida | 4 | $ 1,117,000 | $ 279,000 | $ 171,000 |
| Sarasota County Florida | 4 | $ 1,442,000 | $ 360,000 | $ 291,000 |
| Atkinson County Georgia | 4 | $ 235,000 | $ 58,000 | $ 45,000 |
| Cobb County Georgia | 4 | $ 950,000 | $ 237,000 | $ 137,000 |
| Middlesex County Massachusetts | 4 | $ 1,363,000 | $ 340,000 | $ 143,000 |
| Oakland County Michigan | 4 | $ 985,000 | $ 246,000 | $ 186,000 |
| Essex County New Jersey | 4 | $ 1,456,000 | $ 364,000 | $ 192,000 |
| Passaic County New Jersey | 4 | $ 1,105,000 | $ 276,000 | $ 144,000 |
| Dutchess County New York | 4 | $ 872,000 | $ 218,000 | $ 84,000 |
| Erie County New York | 4 | $ 406,000 | $ 101,000 | $ 79,000 |
| Durham County North Carolina | 4 | $ 736,000 | $ 184,000 | $ 59,000 |
| Washington County Oregon | 4 | $ 1,344,000 | $ 336,000 | $ 154,000 |
| Riverside County California | 3 | $ 818,000 | $ 272,000 | $ 115,000 |
| Brevard County Florida | 3 | $ 750,000 | $ 250,000 | $ 83,000 |
| Charlotte County Florida | 3 | $ 594,000 | $ 198,000 | $ 124,000 |
| Leon County Florida | 3 | $ 355,000 | $ 118,000 | $ 115,000 |
| Orange County Florida | 3 | $ 668,000 | $ 222,000 | $ 110,000 |
| Putnam County Florida | 3 | $ 276,000 | $ 92,000 | $ 48,000 |
| Bryan County Georgia | 3 | $ 637,000 | $ 212,000 | $ 46,000 |
| Gwinnett County Georgia | 3 | $ 459,000 | $ 153,000 | $ 73,000 |
| Jeff Davis County Georgia | 3 | $ 272,000 | $ 90,000 | $ 73,000 |
| Somerset County New Jersey | 3 | $ 1,611,000 | $ 537,000 | $ 196,000 |
| Sussex County New Jersey | 3 | $ 852,000 | $ 284,000 | $ 224,000 |
| Richmond County New York | 3 | $ 728,000 | $ 242,000 | $ 114,000 |
| Wayne County New York | 3 | $ 279,000 | $ 93,000 | $ 69,000 |
| New Hanover County North Carolina | 3 | $ 994,000 | $ 331,000 | $ 99,000 |
| Cumberland County Pennsylvania | 3 | $ 743,000 | $ 247,000 | $ 92,000 |
| Loudoun County Virginia | 3 | $ 1,082,000 | $ 360,000 | $ 115,000 |
| Prince William County Virginia | 3 | $ 1,005,000 | $ 335,000 | $ 157,000 |
| King County Washington | 3 | $ 1,366,000 | $ 455,000 | $ 220,000 |
| Kern County California | 2 | $ 390,000 | $ 195,000 | $ 326,000 |
| Sacramento County California | 2 | $ 652,000 | $ 326,000 | $ 121,000 |
| San Mateo County California | 2 | $ 1,395,000 | $ 697,000 | $ 135,000 |
| Hartford County Connecticut | 2 | $ 382,000 | $ 191,000 | $ 68,000 |
| Tolland County Connecticut | 2 | $ 444,000 | $ 222,000 | $ 149,000 |
| Bay County Florida | 2 | $ 180,000 | $ 90,000 | $ 101,000 |
| Indian River County Florida | 2 | $ 158,000 | $ 79,000 | $ 261,000 |
| Manatee County Florida | 2 | $ 542,000 | $ 271,000 | $ 75,000 |
| Santa Rosa County Florida | 2 | $ 164,000 | $ 82,000 | $ 46,000 |
| Seminole County Florida | 2 | $ 276,000 | $ 138,000 | $ 209,000 |
| Volusia County Florida | 2 | $ 406,000 | $ 203,000 | $ 70,000 |
| Walton County Florida | 2 | $ 934,000 | $ 467,000 | $ 169,000 |
| Bulloch County Georgia | 2 | $ 156,000 | $ 78,000 | $ 30,000 |
| Camden County Georgia | 2 | $ 308,000 | $ 154,000 | $ 73,000 |
| Charlton County Georgia | 2 | $ 255,000 | $ 127,000 | $ 72,000 |
| Glynn County Georgia | 2 | $ 72,000 | $ 36,000 | $ 10,000 |
| Newton County Georgia | 2 | $ 251,000 | $ 125,000 | $ 141,000 |
| Bristol County Massachusetts | 2 | $ 522,000 | $ 261,000 | $ 170,000 |
| Ingham County Michigan | 2 | $ 286,000 | $ 143,000 | $ 88,000 |
| Wayne County Michigan | 2 | $ 533,000 | $ 266,000 | $ 88,000 |
| Salem County New Jersey | 2 | $ 472,000 | $ 236,000 | $ 96,000 |
| Bronx County New York | 2 | $ 686,000 | $ 343,000 | $ 128,000 |
| Warren County New York | 2 | $ 785,000 | $ 392,000 | $ 172,000 |
| Wyoming County New York | 2 | $ 134,000 | $ 67,000 | $ 42,000 |
| Cuyahoga County Ohio | 2 | $ 348,000 | $ 174,000 | $ 90,000 |
| Franklin County Ohio | 2 | $ 582,000 | $ 291,000 | $ 160,000 |
| Hamilton County Ohio | 2 | $ 546,000 | $ 273,000 | $ 121,000 |
| Chester County Pennsylvania | 2 | $ 474,000 | $ 237,000 | $ 103,000 |
| Delaware County Pennsylvania | 2 | $ 334,000 | $ 167,000 | $ 62,000 |
| Smith County Tennessee | 2 | $ 450,000 | $ 225,000 | $ 116,000 |
| Williamson County Tennessee | 2 | $ 433,000 | $ 216,000 | $ 50,000 |
| Pierce County Washington | 2 | $ 317,000 | $ 158,000 | $ 107,000 |
| Jefferson County Alabama | 1 | $ 171,000 | $ 171,000 | $ 91,000 |
| Alameda County California | 1 | $ 254,000 | $ 254,000 | $ 135,000 |
| Marin County California | 1 | $ 410,000 | $ 410,000 | $ 120,000 |
| Mono County California | 1 | $ 295,000 | $ 295,000 | $ 54,000 |
| San Bernardino County California | 1 | $ 390,000 | $ 390,000 | $ 76,000 |
| San Francisco County California | 1 | $ 371,000 | $ 371,000 | $ 110,000 |
| Ventura County California | 1 | $ 572,000 | $ 572,000 | $ 215,000 |
| Litchfield County Connecticut | 1 | $ 414,000 | $ 414,000 | $ 160,000 |
| New Haven County Connecticut | 1 | $ 417,000 | $ 417,000 | $ 351,000 |
| Baker County Florida | 1 | $ 125,000 | $ 125,000 | $ 50,000 |
| Bradford County Florida | 1 | $ 132,000 | $ 132,000 | $ 100,000 |
| Citrus County Florida | 1 | $ 116,000 | $ 116,000 | $ 99,000 |
| Collier County Florida | 1 | $ 198,000 | $ 198,000 | $ 125,000 |
| Columbia County Florida | 1 | $ 60,000 | $ 60,000 | $ 31,000 |
| Highlands County Florida | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Marion County Florida | 1 | $ 415,000 | $ 415,000 | $ 250,000 |
| Monroe County Florida | 1 | $ 335,000 | $ 335,000 | $ 75,000 |
| Okaloosa County Florida | 1 | $ 201,000 | $ 201,000 | $ 89,000 |
| Osceola County Florida | 1 | $ 115,000 | $ 115,000 | $ 70,000 |
| Pasco County Florida | 1 | $ 111,000 | $ 111,000 | $ 78,000 |
| Pinellas County Florida | 1 | $ 208,000 | $ 208,000 | $ 78,000 |
| St. Lucie County Florida | 1 | $ 189,000 | $ 189,000 | $ 120,000 |
| Appling County Georgia | 1 | $ 53,000 | $ 53,000 | $ 21,000 |
| Ben Hill County Georgia | 1 | $ 40,000 | $ 40,000 | $ 51,000 |
| Bibb County Georgia | 1 | $ 185,000 | $ 185,000 | $ 51,000 |
| Colquitt County Georgia | 1 | $ 43,000 | $ 43,000 | $ 129,000 |
| Gilmer County Georgia | 1 | $ 54,000 | $ 54,000 | $ 111,000 |
| Hall County Georgia | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Houston County Georgia | 1 | $ 212,000 | $ 212,000 | $ 191,000 |
| Liberty County Georgia | 1 | $ 83,000 | $ 83,000 | $ 91,000 |
| Oconee County Georgia | 1 | $ 760,000 | $ 760,000 | $ 160,000 |
| Paulding County Georgia | 1 | $ 345,000 | $ 345,000 | $ 78,000 |
| Rockdale County Georgia | 1 | $ 147,000 | $ 147,000 | $ 104,000 |
| Walton County Georgia | 1 | $ 417,000 | $ 417,000 | $ 146,000 |
| White County Georgia | 1 | $ 170,000 | $ 170,000 | $ 120,000 |
| Cook County Illinois | 1 | $ 270,000 | $ 270,000 | $ 140,000 |
| Hamilton County Indiana | 1 | $ 348,000 | $ 348,000 | $ 165,000 |
| Whitley County Indiana | 1 | $ 140,000 | $ 140,000 | $ 77,000 |
| Bullitt County Kentucky | 1 | $ 200,000 | $ 200,000 | $ 124,000 |
| Warren County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 34,000 |
| Penobscot County Maine | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| Baltimore County Maryland | 1 | $ 377,000 | $ 377,000 | $ 280,000 |
| Cecil County Maryland | 1 | $ 274,000 | $ 274,000 | $ 87,000 |
| Charles County Maryland | 1 | $ 310,000 | $ 310,000 | $ 190,000 |
| Washington County Maryland | 1 | $ 257,000 | $ 257,000 | $ 135,000 |
| Wicomico County Maryland | 1 | $ 156,000 | $ 156,000 | $ 91,000 |
| Barnstable County Massachusetts | 1 | $ 234,000 | $ 234,000 | $ 79,000 |
| Essex County Massachusetts | 1 | $ 417,000 | $ 417,000 | $ 181,000 |
| Norfolk County Massachusetts | 1 | $ 1,000,000 | $ 1,000,000 | $ 269,000 |
| Plymouth County Massachusetts | 1 | $ 380,000 | $ 380,000 | $ 264,000 |
| Worcester County Massachusetts | 1 | $ 212,000 | $ 212,000 | $ 57,000 |
| Kent County Michigan | 1 | $ 113,000 | $ 113,000 | $ 46,000 |
| Midland County Michigan | 1 | $ 300,000 | $ 300,000 | $ 185,000 |
| Roscommon County Michigan | 1 | $ 300,000 | $ 300,000 | $ 134,000 |
| Washtenaw County Michigan | 1 | $ 600,000 | $ 600,000 | $ 470,000 |
| Scott County Minnesota | 1 | $ 278,000 | $ 278,000 | $ 215,000 |
| Yellowstone County Montana | 1 | $ 127,000 | $ 127,000 | $ 86,000 |
| Clark County Nevada | 1 | $ 86,000 | $ 86,000 | $ 47,000 |
| Gloucester County New Jersey | 1 | $ 192,000 | $ 192,000 | $ 90,000 |
| Ocean County New Jersey | 1 | $ 143,000 | $ 143,000 | $ 106,000 |
| Union County New Jersey | 1 | $ 405,000 | $ 405,000 | $ 530,000 |
| Albany County New York | 1 | $ 247,000 | $ 247,000 | $ 93,000 |
| Broome County New York | 1 | $ 220,000 | $ 220,000 | $ 205,000 |
| Cayuga County New York | 1 | $ 171,000 | $ 171,000 | $ 67,000 |
| Delaware County New York | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Fulton County New York | 1 | $ 58,000 | $ 58,000 | $ 88,000 |
| Monroe County New York | 1 | $ 202,000 | $ 202,000 | $ 130,000 |
| New York County New York | 1 | $ 270,000 | $ 270,000 | $ 135,000 |
| Oneida County New York | 1 | $ 86,000 | $ 86,000 | $ 65,000 |
| Onondaga County New York | 1 | $ 125,000 | $ 125,000 | $ 52,000 |
| Orange County New York | 1 | $ 126,000 | $ 126,000 | $ 95,000 |
| Putnam County New York | 1 | $ 218,000 | $ 218,000 | $ 76,000 |
| Schenectady County New York | 1 | $ 193,000 | $ 193,000 | $ 83,000 |
| Schoharie County New York | 1 | $ 284,000 | $ 284,000 | $ 0 |
| Sullivan County New York | 1 | $ 150,000 | $ 150,000 | $ 158,000 |
| McDowell County North Carolina | 1 | $ 43,000 | $ 43,000 | $ 34,000 |
| Delaware County Ohio | 1 | $ 380,000 | $ 380,000 | $ 108,000 |
| Geauga County Ohio | 1 | $ 30,000 | $ 30,000 | $ 21,000 |
| Lorain County Ohio | 1 | $ 91,000 | $ 91,000 | $ 60,000 |
| Lucas County Ohio | 1 | $ 240,000 | $ 240,000 | $ 219,000 |
| Mahoning County Ohio | 1 | $ 104,000 | $ 104,000 | $ 28,000 |
| Medina County Ohio | 1 | $ 377,000 | $ 377,000 | $ 200,000 |
| Clatsop County Oregon | 1 | $ 152,000 | $ 152,000 | $ 142,000 |
| Carbon County Pennsylvania | 1 | $ 119,000 | $ 119,000 | $ 95,000 |
| Dauphin County Pennsylvania | 1 | $ 214,000 | $ 214,000 | $ 102,000 |
| Lancaster County Pennsylvania | 1 | $ 150,000 | $ 150,000 | $ 138,000 |
| Lebanon County Pennsylvania | 1 | $ 112,000 | $ 112,000 | $ 70,000 |
| Monroe County Pennsylvania | 1 | $ 203,000 | $ 203,000 | $ 65,000 |
| Beaufort County South Carolina | 1 | $ 338,000 | $ 338,000 | $ 75,000 |
| Georgetown County South Carolina | 1 | $ 155,000 | $ 155,000 | $ 50,000 |
| Greenville County South Carolina | 1 | $ 134,000 | $ 134,000 | $ 74,000 |
| Oconee County South Carolina | 1 | $ 280,000 | $ 280,000 | $ 115,000 |
| Coffee County Tennessee | 1 | $ 78,000 | $ 78,000 | $ 62,000 |
| Davidson County Tennessee | 1 | $ 182,000 | $ 182,000 | $ 91,000 |
| Shelby County Tennessee | 1 | $ 84,000 | $ 84,000 | $ 35,000 |
| Washington County Tennessee | 1 | $ 43,000 | $ 43,000 | $ 52,000 |
| Alexandria County Virginia | 1 | $ 250,000 | $ 250,000 | $ 150,000 |
| Chesapeake County Virginia | 1 | $ 390,000 | $ 390,000 | $ 92,000 |
| Fairfax City County Virginia | 1 | $ 333,000 | $ 333,000 | $ 200,000 |
| Fauquier County Virginia | 1 | $ 200,000 | $ 200,000 | $ 124,000 |
| Henrico County Virginia | 1 | $ 300,000 | $ 300,000 | $ 158,000 |
| Isle of Wight County Virginia | 1 | $ 750,000 | $ 750,000 | $ 146,000 |
| Newport News County Virginia | 1 | $ 67,000 | $ 67,000 | $ 45,000 |
| Northampton County Virginia | 1 | $ 260,000 | $ 260,000 | $ 131,000 |
| Portsmouth County Virginia | 1 | $ 160,000 | $ 160,000 | $ 120,000 |
| Powhatan County Virginia | 1 | $ 250,000 | $ 250,000 | $ 120,000 |
| Stafford County Virginia | 1 | $ 272,000 | $ 272,000 | $ 96,000 |
| Thurston County Washington | 1 | $ 245,000 | $ 245,000 | $ 124,000 |
| Greenbrier County West Virginia | 1 | $ 368,000 | $ 368,000 | $ 77,000 |
| Jefferson County West Virginia | 1 | $ 84,000 | $ 84,000 | $ 237,000 |
Mortgage Loan Application Detail Totals for Atlantic Coast Bank in 2011
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 |
|---|---|---|---|---|---|---|
| Refinancing | 663 | $153,664,000 | $231,000 | $1,000,000 | $121,000 | $1,703,000 |
| Home Purchase | 502 | $101,696,000 | $202,000 | $1,125,000 | $109,000 | $1,200,000 |
| Home Improvement | 28 | $2,703,000 | $96,000 | $417,000 | $79,000 | $351,000 |
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 | 774 | $159,083,000 | $205,000 | $1,000,000 | $110,000 | $1,200,000 |
| Not Provided | 242 | $62,167,000 | $256,000 | $1,125,000 | $147,000 | $1,703,000 |
| Black or African American | 63 | $9,214,000 | $146,000 | $598,000 | $71,000 | $312,000 |
| Hispanic | 53 | $9,579,000 | $180,000 | $655,000 | $79,000 | $214,000 |
| Asian | 51 | $16,263,000 | $318,000 | $985,000 | $130,000 | $292,000 |
| American Indian or Alaskan Native | 6 | $871,000 | $145,000 | $238,000 | $95,000 | $187,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $624,000 | $208,000 | $377,000 | $126,000 | $280,000 |
| Not applicable | 1 | $262,000 | $262,000 | $262,000 | $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) | 964 | $217,112,000 | $225,000 | $1,125,000 | $126,000 | $1,703,000 |
| FHA-insured (Federal Housing Administration) | 183 | $32,418,000 | $177,000 | $718,000 | $70,000 | $353,000 |
| VA-guaranteed (Veterans Administration) | 35 | $6,682,000 | $190,000 | $471,000 | $69,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 11 | $1,851,000 | $168,000 | $463,000 | $59,000 | $176,000 |
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 | 527 | $110,363,000 | $209,000 | $985,000 | $119,000 | $1,703,000 |
| Application Denied By Financial Institution | 278 | $54,503,000 | $196,000 | $1,000,000 | $91,000 | $500,000 |
| Application Withdrawn By Applicant | 264 | $70,707,000 | $267,000 | $975,000 | $131,000 | $916,000 |
| File Closed For Incompleteness | 54 | $12,028,000 | $222,000 | $1,125,000 | $120,000 | $1,200,000 |
| Application Approved But Not Accepted | 45 | $6,153,000 | $136,000 | $560,000 | $136,000 | $1,703,000 |
| Preapproval Approved but not Accepted | 13 | $2,141,000 | $164,000 | $440,000 | $90,000 | $278,000 |
| Preapproval Denied by Financial Institution | 12 | $2,168,000 | $180,000 | $461,000 | $72,000 | $198,000 |
| 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 | 91 | $12,993,000 | $142,000 | $1,000,000 | $73,000 | $500,000 |
| Debt-To-Income Ratio | 65 | $13,627,000 | $209,000 | $697,000 | $79,000 | $288,000 |
| Collateral | 63 | $14,293,000 | $226,000 | $634,000 | $112,000 | $490,000 |
| Other | 28 | $5,227,000 | $186,000 | $697,000 | $96,000 | $360,000 |
| Credit Application Incomplete | 24 | $6,426,000 | $267,000 | $900,000 | $129,000 | $470,000 |
| Unverifiable Information | 8 | $2,047,000 | $255,000 | $598,000 | $86,000 | $148,000 |
| Employment History | 6 | $934,000 | $155,000 | $270,000 | $75,000 | $140,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $593,000 | $197,000 | $280,000 | $73,000 | $96,000 |
| Mortgage Insurance Denied | 2 | $531,000 | $265,000 | $399,000 | $105,000 | $119,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Coast Bank's 2011 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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