Atlantic Coast Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Atlantic Coast Bank 2015 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 | 636 |
| Total Mortgage Loan Application Amount | $272,303,000 |
| Average Mortgage Loan Application Amount | $325,000 |
| Highest Mortgage Loan Application Amount | $7,900,000 |
| Average Applicant Income | $144,333 |
| Highest Applicant Income | $3,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 184 | $ 57,845,000 | $ 314,000 | $ 205,000 |
| St. Johns County Florida | 113 | $ 49,693,000 | $ 439,000 | $ 238,000 |
| Ware County Georgia | 62 | $ 3,106,000 | $ 50,000 | $ 55,000 |
| Alachua County Florida | 39 | $ 13,715,000 | $ 351,000 | $ 166,000 |
| Glynn County Georgia | 31 | $ 16,275,000 | $ 525,000 | $ 250,000 |
| Clay County Florida | 27 | $ 6,176,000 | $ 228,000 | $ 120,000 |
| Pierce County Georgia | 21 | $ 1,317,000 | $ 62,000 | $ 81,000 |
| Coffee County Georgia | 19 | $ 1,436,000 | $ 75,000 | $ 73,000 |
| Miami-Dade County Florida | 12 | $ 7,675,000 | $ 639,000 | $ 24,000 |
| Kings County New York | 9 | $ 33,016,000 | $ 3,668,000 | $ 0 |
| Orange County Florida | 8 | $ 3,886,000 | $ 485,000 | $ 298,000 |
| Chatham County Georgia | 8 | $ 1,445,000 | $ 180,000 | $ 88,000 |
| Nassau County Florida | 7 | $ 3,080,000 | $ 440,000 | $ 168,000 |
| New York County New York | 7 | $ 19,951,000 | $ 2,850,000 | $ 0 |
| Palm Beach County Florida | 5 | $ 1,791,000 | $ 358,000 | $ 42,000 |
| Brevard County Florida | 4 | $ 2,599,000 | $ 649,000 | $ 208,000 |
| Broward County Florida | 4 | $ 2,166,000 | $ 541,000 | $ 0 |
| Brantley County Georgia | 4 | $ 64,000 | $ 16,000 | $ 43,000 |
| Collier County Florida | 3 | $ 1,906,000 | $ 635,000 | $ 27,000 |
| Columbia County Florida | 3 | $ 379,000 | $ 126,000 | $ 33,000 |
| Flagler County Florida | 3 | $ 610,000 | $ 203,000 | $ 121,000 |
| Polk County Florida | 3 | $ 1,315,000 | $ 438,000 | $ 0 |
| Bibb County Georgia | 3 | $ 931,000 | $ 310,000 | $ 354,000 |
| Hillsborough County Florida | 2 | $ 940,000 | $ 470,000 | $ 299,000 |
| Lee County Florida | 2 | $ 964,000 | $ 482,000 | $ 78,000 |
| Marion County Florida | 2 | $ 218,000 | $ 109,000 | $ 57,000 |
| Osceola County Florida | 2 | $ 612,000 | $ 306,000 | $ 250,000 |
| Appling County Georgia | 2 | $ 185,000 | $ 92,000 | $ 60,000 |
| Bacon County Georgia | 2 | $ 243,000 | $ 121,000 | $ 59,000 |
| Charlton County Georgia | 2 | $ 310,000 | $ 155,000 | $ 159,000 |
| Clinch County Georgia | 2 | $ 208,000 | $ 104,000 | $ 37,000 |
| Effingham County Georgia | 2 | $ 285,000 | $ 142,000 | $ 5,000 |
| Gwinnett County Georgia | 2 | $ 234,000 | $ 117,000 | $ 88,000 |
| Paulding County Georgia | 2 | $ 412,000 | $ 206,000 | $ 81,000 |
| Thomas County Georgia | 2 | $ 348,000 | $ 174,000 | $ 87,000 |
| Philadelphia County Pennsylvania | 2 | $ 6,486,000 | $ 3,243,000 | $ 0 |
| Barbour County Alabama | 1 | $ 68,000 | $ 68,000 | $ 51,000 |
| Douglas County Colorado | 1 | $ 398,000 | $ 398,000 | $ 75,000 |
| Summit County Colorado | 1 | $ 162,000 | $ 162,000 | $ 40,000 |
| Escambia County Florida | 1 | $ 252,000 | $ 252,000 | $ 65,000 |
| Leon County Florida | 1 | $ 65,000 | $ 65,000 | $ 174,000 |
| Martin County Florida | 1 | $ 937,000 | $ 937,000 | $ 0 |
| Pinellas County Florida | 1 | $ 551,000 | $ 551,000 | $ 335,000 |
| Putnam County Florida | 1 | $ 142,000 | $ 142,000 | $ 94,000 |
| Seminole County Florida | 1 | $ 2,260,000 | $ 2,260,000 | $ 1,269,000 |
| St. Lucie County Florida | 1 | $ 492,000 | $ 492,000 | $ 0 |
| Volusia County Florida | 1 | $ 700,000 | $ 700,000 | $ 371,000 |
| Wakulla County Florida | 1 | $ 144,000 | $ 144,000 | $ 59,000 |
| Walton County Florida | 1 | $ 417,000 | $ 417,000 | $ 464,000 |
| Atkinson County Georgia | 1 | $ 10,000 | $ 10,000 | $ 22,000 |
| Ben Hill County Georgia | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
| Bryan County Georgia | 1 | $ 177,000 | $ 177,000 | $ 79,000 |
| Camden County Georgia | 1 | $ 250,000 | $ 250,000 | $ 74,000 |
| DeKalb County Georgia | 1 | $ 3,000 | $ 3,000 | $ 57,000 |
| Forsyth County Georgia | 1 | $ 293,000 | $ 293,000 | $ 170,000 |
| Greene County Georgia | 1 | $ 668,000 | $ 668,000 | $ 647,000 |
| Henry County Georgia | 1 | $ 285,000 | $ 285,000 | $ 112,000 |
| Houston County Georgia | 1 | $ 284,000 | $ 284,000 | $ 157,000 |
| Liberty County Georgia | 1 | $ 220,000 | $ 220,000 | $ 75,000 |
| Lowndes County Georgia | 1 | $ 820,000 | $ 820,000 | $ 180,000 |
| Turner County Georgia | 1 | $ 153,000 | $ 153,000 | $ 72,000 |
| Johnson County Indiana | 1 | $ 180,000 | $ 180,000 | $ 77,000 |
| St. Louis City County Missouri | 1 | $ 167,000 | $ 167,000 | $ 118,000 |
| Hudson County New Jersey | 1 | $ 7,277,000 | $ 7,277,000 | $ 0 |
| Middlesex County New Jersey | 1 | $ 137,000 | $ 137,000 | $ 580,000 |
| Bronx County New York | 1 | $ 5,034,000 | $ 5,034,000 | $ 0 |
| Delaware County Pennsylvania | 1 | $ 7,900,000 | $ 7,900,000 | $ 0 |
Mortgage Loan Application Detail Totals for Atlantic Coast Bank in 2015
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 | 354 | $213,733,000 | $603,000 | $7,900,000 | $193,000 | $3,000,000 |
| Refinancing | 164 | $51,951,000 | $316,000 | $2,260,000 | $157,000 | $1,269,000 |
| Home Improvement | 118 | $6,619,000 | $56,000 | $1,430,000 | $83,000 | $756,000 |
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 | 419 | $130,269,000 | $310,000 | $2,260,000 | $172,000 | $2,469,000 |
| Not Provided | 93 | $22,524,000 | $242,000 | $1,480,000 | $213,000 | $3,000,000 |
| Not applicable | 50 | $101,111,000 | $2,022,000 | $7,900,000 | $0 | $0 |
| Black or African American | 32 | $2,643,000 | $82,000 | $458,000 | $91,000 | $1,005,000 |
| Asian | 23 | $11,495,000 | $499,000 | $1,313,000 | $278,000 | $780,000 |
| Hispanic | 18 | $4,231,000 | $235,000 | $561,000 | $145,000 | $848,000 |
| American Indian or Alaskan Native | 1 | $30,000 | $30,000 | $30,000 | $41,000 | $41,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 607 | $267,354,000 | $440,000 | $7,900,000 | $168,000 | $3,000,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,371,000 | $168,000 | $315,000 | $70,000 | $396,000 |
| VA-guaranteed (Veterans Administration) | 6 | $1,362,000 | $227,000 | $393,000 | $93,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $216,000 | $72,000 | $84,000 | $30,000 | $42,000 |
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 | 294 | $107,804,000 | $366,000 | $2,375,000 | $196,000 | $1,412,000 |
| Application Denied By Financial Institution | 153 | $32,669,000 | $213,000 | $1,500,000 | $106,000 | $647,000 |
| Application Withdrawn By Applicant | 113 | $34,076,000 | $301,000 | $1,500,000 | $231,000 | $3,000,000 |
| Loan Purchased By The Institution | 43 | $93,832,000 | $2,182,000 | $7,900,000 | $0 | $0 |
| Application Approved But Not Accepted | 31 | $3,598,000 | $116,000 | $755,000 | $122,000 | $599,000 |
| File Closed For Incompleteness | 2 | $324,000 | $162,000 | $264,000 | $73,000 | $100,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 81 | $12,748,000 | $157,000 | $1,430,000 | $93,000 | $396,000 |
| Debt-To-Income Ratio | 29 | $6,410,000 | $221,000 | $638,000 | $71,000 | $197,000 |
| Credit Application Incomplete | 16 | $4,111,000 | $256,000 | $796,000 | $145,000 | $647,000 |
| Collateral | 9 | $3,765,000 | $418,000 | $930,000 | $208,000 | $549,000 |
| Unverifiable Information | 8 | $3,992,000 | $499,000 | $1,500,000 | $205,000 | $600,000 |
| Other | 5 | $962,000 | $192,000 | $456,000 | $105,000 | $283,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $605,000 | $201,000 | $255,000 | $79,000 | $140,000 |
| Employment History | 2 | $76,000 | $38,000 | $72,000 | $29,000 | $38,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Atlantic Coast Bank's 2015 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.