Baycoast Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Baycoast Bank 2018 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 | Baycoast Bank 330 Swansea Mall Drive Fall River, MA 02777 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,097 |
| Total Mortgage Loan Application Amount | $236,575,000 |
| Average Mortgage Loan Application Amount | $187,400 |
| Highest Mortgage Loan Application Amount | $7,275,000 |
| Average Applicant Income | $124,200 |
| Highest Applicant Income | $3,810,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Baycoast 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 Baycoast Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Baycoast 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 Baycoast Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Baycoast 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 Baycoast Bank's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bristol County Massachusetts | 455 | $ 89,805,000 | $ 197,000 | $ 120,000 |
| Plymouth County Massachusetts | 84 | $ 15,990,000 | $ 190,000 | $ 111,000 |
| Providence County Rhode Island | 66 | $ 29,350,000 | $ 444,000 | $ 116,000 |
| Newport County Rhode Island | 58 | $ 20,110,000 | $ 346,000 | $ 131,000 |
| Rockingham County New Hampshire | 27 | $ 2,555,000 | $ 94,000 | $ 62,000 |
| Middlesex County Massachusetts | 18 | $ 5,890,000 | $ 327,000 | $ 211,000 |
| Merrimack County New Hampshire | 17 | $ 835,000 | $ 49,000 | $ 49,000 |
| Strafford County New Hampshire | 17 | $ 1,215,000 | $ 71,000 | $ 59,000 |
| Bristol County Rhode Island | 17 | $ 5,115,000 | $ 300,000 | $ 226,000 |
| Kent County Rhode Island | 17 | $ 1,675,000 | $ 98,000 | $ 64,000 |
| Norfolk County Massachusetts | 14 | $ 7,240,000 | $ 517,000 | $ 236,000 |
| Washington County Rhode Island | 13 | $ 4,235,000 | $ 325,000 | $ 209,000 |
| Worcester County Massachusetts | 12 | $ 5,290,000 | $ 440,000 | $ 105,000 |
| Ocean County New Jersey | 12 | $ 760,000 | $ 63,000 | $ 52,000 |
| Fairfield County Connecticut | 11 | $ 10,445,000 | $ 949,000 | $ 153,000 |
| Barnstable County Massachusetts | 11 | $ 2,415,000 | $ 219,000 | $ 111,000 |
| Suffolk County Massachusetts | 11 | $ 4,465,000 | $ 405,000 | $ 216,000 |
| Hillsborough County New Hampshire | 11 | $ 1,305,000 | $ 118,000 | $ 88,000 |
| Essex County Massachusetts | 10 | $ 3,550,000 | $ 355,000 | $ 109,000 |
| Atlantic County New Jersey | 10 | $ 680,000 | $ 68,000 | $ 61,000 |
| Hampden County Massachusetts | 9 | $ 755,000 | $ 83,000 | $ 51,000 |
| Sussex County Delaware | 8 | $ 500,000 | $ 62,000 | $ 100,000 |
| Middlesex County New Jersey | 8 | $ 1,300,000 | $ 162,000 | $ 123,000 |
| Middlesex County Connecticut | 6 | $ 470,000 | $ 78,000 | $ 60,000 |
| Burlington County New Jersey | 6 | $ 290,000 | $ 48,000 | $ 98,000 |
| Monmouth County New Jersey | 6 | $ 360,000 | $ 60,000 | $ 73,000 |
| Saratoga County New York | 6 | $ 210,000 | $ 35,000 | $ 48,000 |
| New London County Connecticut | 5 | $ 265,000 | $ 53,000 | $ 67,000 |
| Windham County Connecticut | 5 | $ 615,000 | $ 123,000 | $ 49,000 |
| Broward County Florida | 5 | $ 305,000 | $ 61,000 | $ 99,000 |
| Martin County Florida | 5 | $ 775,000 | $ 155,000 | $ 97,000 |
| Carroll County New Hampshire | 5 | $ 1,085,000 | $ 217,000 | $ 277,000 |
| Suffolk County New York | 5 | $ 385,000 | $ 77,000 | $ 77,000 |
| Hartford County Connecticut | 4 | $ 170,000 | $ 42,000 | $ 32,000 |
| Lee County Florida | 4 | $ 560,000 | $ 140,000 | $ 88,000 |
| Pinellas County Florida | 4 | $ 1,180,000 | $ 295,000 | $ 155,000 |
| Hampshire County Massachusetts | 4 | $ 220,000 | $ 55,000 | $ 70,000 |
| Nantucket County Massachusetts | 4 | $ 2,720,000 | $ 680,000 | $ 289,000 |
| Ottawa County Michigan | 4 | $ 230,000 | $ 57,000 | $ 59,000 |
| Belknap County New Hampshire | 4 | $ 320,000 | $ 80,000 | $ 64,000 |
| Dutchess County New York | 4 | $ 270,000 | $ 67,000 | $ 82,000 |
| Tolland County Connecticut | 3 | $ 105,000 | $ 35,000 | $ 77,000 |
| Kent County Delaware | 3 | $ 205,000 | $ 68,000 | $ 56,000 |
| Brevard County Florida | 3 | $ 105,000 | $ 35,000 | $ 82,000 |
| Lake County Florida | 3 | $ 325,000 | $ 108,000 | $ 63,000 |
| Orange County Florida | 3 | $ 215,000 | $ 71,000 | $ 97,000 |
| York County Maine | 3 | $ 135,000 | $ 45,000 | $ 36,000 |
| Berkshire County Massachusetts | 3 | $ 95,000 | $ 31,000 | $ 41,000 |
| Franklin County Massachusetts | 3 | $ 225,000 | $ 75,000 | $ 81,000 |
| Livingston County Michigan | 3 | $ 185,000 | $ 61,000 | $ 43,000 |
| Macomb County Michigan | 3 | $ 135,000 | $ 45,000 | $ 34,000 |
| Midland County Michigan | 3 | $ 115,000 | $ 38,000 | $ 49,000 |
| Gloucester County New Jersey | 3 | $ 185,000 | $ 61,000 | $ 63,000 |
| Litchfield County Connecticut | 2 | $ 430,000 | $ 215,000 | $ 45,000 |
| New Haven County Connecticut | 2 | $ 60,000 | $ 30,000 | $ 44,000 |
| Manatee County Florida | 2 | $ 760,000 | $ 380,000 | $ 1,312,000 |
| Osceola County Florida | 2 | $ 600,000 | $ 300,000 | $ 37,000 |
| Cumberland County Maine | 2 | $ 640,000 | $ 320,000 | $ 1,961,000 |
| Montgomery County Maryland | 2 | $ 1,440,000 | $ 720,000 | $ 172,000 |
| Allegan County Michigan | 2 | $ 180,000 | $ 90,000 | $ 68,000 |
| Lapeer County Michigan | 2 | $ 180,000 | $ 90,000 | $ 51,000 |
| Monroe County Michigan | 2 | $ 70,000 | $ 35,000 | $ 33,000 |
| Washtenaw County Michigan | 2 | $ 80,000 | $ 40,000 | $ 78,000 |
| Cheshire County New Hampshire | 2 | $ 130,000 | $ 65,000 | $ 65,000 |
| Bergen County New Jersey | 2 | $ 970,000 | $ 485,000 | $ 115,000 |
| Cape May County New Jersey | 2 | $ 140,000 | $ 70,000 | $ 72,000 |
| Greene County New York | 2 | $ 170,000 | $ 85,000 | $ 112,000 |
| Oneida County New York | 2 | $ 100,000 | $ 50,000 | $ 45,000 |
| Northampton County Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 64,000 |
| York County Pennsylvania | 2 | $ 80,000 | $ 40,000 | $ 55,000 |
| Chittenden County Vermont | 2 | $ 160,000 | $ 80,000 | $ 47,000 |
| Hillsborough County Florida | 1 | $ 25,000 | $ 25,000 | $ 21,000 |
| Nassau County Florida | 1 | $ 265,000 | $ 265,000 | $ 275,000 |
| Seminole County Florida | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Volusia County Florida | 1 | $ 95,000 | $ 95,000 | $ 74,000 |
| Berrien County Michigan | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Genesee County Michigan | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Shiawassee County Michigan | 1 | $ 35,000 | $ 35,000 | $ 128,000 |
| Wayne County Michigan | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Grafton County New Hampshire | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Sullivan County New Hampshire | 1 | $ 55,000 | $ 55,000 | $ 81,000 |
| Hudson County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Somerset County New Jersey | 1 | $ 35,000 | $ 35,000 | $ 45,000 |
| Albany County New York | 1 | $ 55,000 | $ 55,000 | $ 48,000 |
| Orange County New York | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Rensselaer County New York | 1 | $ 95,000 | $ 95,000 | $ 97,000 |
| Schoharie County New York | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Ulster County New York | 1 | $ 65,000 | $ 65,000 | $ 86,000 |
| Buncombe County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 26,000 |
| Berks County Pennsylvania | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Lebanon County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 39,000 |
| Schuylkill County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 53,000 |
| Franklin County Vermont | 1 | $ 75,000 | $ 75,000 | $ 96,000 |
| Fairfax County Virginia | 1 | $ 845,000 | $ 845,000 | $ 294,000 |
Mortgage Loan Application Detail Totals for Baycoast Bank in 2018
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 | 712 | $156,050,000 | $219,000 | $3,645,000 | $113,000 | $2,000,000 |
| Cash-out Refinancing | 164 | $41,130,000 | $250,000 | $1,065,000 | $126,000 | $494,000 |
| Refinancing | 103 | $24,485,000 | $237,000 | $1,505,000 | $110,000 | $438,000 |
| Home Improvement | 71 | $11,895,000 | $167,000 | $7,275,000 | $174,000 | $3,810,000 |
| Other Purpose | 47 | $3,015,000 | $64,000 | $385,000 | $98,000 | $400,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 911 | $178,975,000 | $196,000 | $3,645,000 | $120,000 | $3,810,000 |
| Not applicable | 56 | $36,190,000 | $646,000 | $7,275,000 | $0 | $0 |
| Not Provided | 52 | $8,540,000 | $164,000 | $655,000 | $120,000 | $400,000 |
| Hispanic | 51 | $6,545,000 | $128,000 | $495,000 | $81,000 | $322,000 |
| Black or African American | 12 | $2,620,000 | $218,000 | $665,000 | $87,000 | $141,000 |
| Asian | 9 | $2,015,000 | $223,000 | $1,045,000 | $146,000 | $540,000 |
| American Indian or Alaskan Native | 4 | $970,000 | $242,000 | $785,000 | $65,000 | $121,000 |
| 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) | 1,096 | $236,290,000 | $215,000 | $7,275,000 | $118,000 | $3,810,000 |
| FHA-insured (Federal Housing Administration) | 1 | $285,000 | $285,000 | $285,000 | $75,000 | $75,000 |
| 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 | 787 | $181,785,000 | $230,000 | $7,275,000 | $128,000 | $3,810,000 |
| Application Withdrawn By Applicant | 164 | $25,860,000 | $157,000 | $1,065,000 | $94,000 | $476,000 |
| Application Denied By Financial Institution | 112 | $20,290,000 | $181,000 | $3,645,000 | $80,000 | $377,000 |
| Application Approved But Not Accepted | 20 | $5,710,000 | $285,000 | $765,000 | $149,000 | $486,000 |
| File Closed For Incompleteness | 12 | $2,310,000 | $192,000 | $425,000 | $138,000 | $454,000 |
| Loan Purchased By The Institution | 2 | $620,000 | $310,000 | $335,000 | $147,000 | $220,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 985 | $216,285,000 | $219,000 | $7,275,000 | $123,000 | $3,810,000 |
| Credit History | 59 | $6,495,000 | $110,000 | $665,000 | $72,000 | $377,000 |
| Debt-To-Income Ratio | 25 | $8,555,000 | $342,000 | $3,645,000 | $63,000 | $157,000 |
| Collateral | 15 | $3,205,000 | $213,000 | $655,000 | $147,000 | $314,000 |
| Other | 8 | $1,220,000 | $152,000 | $445,000 | $86,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $745,000 | $248,000 | $445,000 | $61,000 | $77,000 |
| Unverifiable Information | 1 | $25,000 | $25,000 | $25,000 | $93,000 | $93,000 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Baycoast Bank's 2018 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 Baycoast 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 Massachusetts, download the full spreadsheet
with aggregated HMDA statistics today.