Baycoast Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Baycoast Bank 2020 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 | 3,722 |
| Total Mortgage Loan Application Amount | $1,112,840,000 |
| Average Mortgage Loan Application Amount | $216,400 |
| Highest Mortgage Loan Application Amount | $10,235,000 |
| Average Applicant Income | $123,600 |
| Highest Applicant Income | $2,536,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 1,360 | $ 377,490,000 | $ 277,000 | $ 120,000 |
| Plymouth County Massachusetts | 289 | $ 90,475,000 | $ 313,000 | $ 147,000 |
| Newport County Rhode Island | 194 | $ 70,980,000 | $ 365,000 | $ 150,000 |
| Providence County Rhode Island | 183 | $ 89,685,000 | $ 490,000 | $ 127,000 |
| Norfolk County Massachusetts | 152 | $ 61,030,000 | $ 401,000 | $ 196,000 |
| Middlesex County Massachusetts | 141 | $ 58,095,000 | $ 412,000 | $ 180,000 |
| Fairfield County Connecticut | 139 | $ 66,415,000 | $ 477,000 | $ 206,000 |
| Worcester County Massachusetts | 124 | $ 44,920,000 | $ 362,000 | $ 128,000 |
| Bristol County Rhode Island | 97 | $ 28,145,000 | $ 290,000 | $ 125,000 |
| Kent County Rhode Island | 94 | $ 25,370,000 | $ 269,000 | $ 119,000 |
| Washington County Rhode Island | 85 | $ 33,895,000 | $ 398,000 | $ 143,000 |
| Barnstable County Massachusetts | 56 | $ 16,330,000 | $ 291,000 | $ 166,000 |
| Suffolk County Massachusetts | 47 | $ 24,925,000 | $ 530,000 | $ 248,000 |
| New Haven County Connecticut | 34 | $ 6,210,000 | $ 182,000 | $ 101,000 |
| Rockingham County New Hampshire | 34 | $ 3,240,000 | $ 95,000 | $ 65,000 |
| Hartford County Connecticut | 31 | $ 7,845,000 | $ 253,000 | $ 165,000 |
| Essex County Massachusetts | 30 | $ 9,260,000 | $ 308,000 | $ 121,000 |
| Hillsborough County New Hampshire | 24 | $ 3,120,000 | $ 130,000 | $ 87,000 |
| Montgomery County Maryland | 23 | $ 11,005,000 | $ 478,000 | $ 254,000 |
| Hampden County Massachusetts | 23 | $ 1,315,000 | $ 57,000 | $ 49,000 |
| Sussex County Delaware | 22 | $ 2,020,000 | $ 91,000 | $ 123,000 |
| Saratoga County New York | 19 | $ 615,000 | $ 32,000 | $ 51,000 |
| New London County Connecticut | 18 | $ 1,950,000 | $ 108,000 | $ 80,000 |
| Monmouth County New Jersey | 17 | $ 1,505,000 | $ 88,000 | $ 74,000 |
| Fairfax County Virginia | 16 | $ 7,040,000 | $ 440,000 | $ 215,000 |
| Merrimack County New Hampshire | 15 | $ 745,000 | $ 49,000 | $ 56,000 |
| Atlantic County New Jersey | 15 | $ 995,000 | $ 66,000 | $ 78,000 |
| Broward County Florida | 13 | $ 2,155,000 | $ 165,000 | $ 131,000 |
| Strafford County New Hampshire | 13 | $ 615,000 | $ 47,000 | $ 59,000 |
| Suffolk County New York | 13 | $ 1,245,000 | $ 95,000 | $ 68,000 |
| Ocean County New Jersey | 12 | $ 750,000 | $ 62,000 | $ 51,000 |
| Tolland County Connecticut | 11 | $ 2,185,000 | $ 198,000 | $ 137,000 |
| York County Maine | 11 | $ 655,000 | $ 59,000 | $ 47,000 |
| Lake County Florida | 9 | $ 815,000 | $ 90,000 | $ 60,000 |
| Berkshire County Massachusetts | 9 | $ 765,000 | $ 85,000 | $ 101,000 |
| Hampshire County Massachusetts | 9 | $ 935,000 | $ 103,000 | $ 44,000 |
| Ottawa County Michigan | 9 | $ 425,000 | $ 47,000 | $ 54,000 |
| Grafton County New Hampshire | 9 | $ 2,215,000 | $ 246,000 | $ 216,000 |
| Burlington County New Jersey | 9 | $ 505,000 | $ 56,000 | $ 60,000 |
| Middlesex County New Jersey | 9 | $ 1,295,000 | $ 143,000 | $ 120,000 |
| Windham County Connecticut | 8 | $ 1,770,000 | $ 221,000 | $ 84,000 |
| Manatee County Florida | 8 | $ 1,350,000 | $ 168,000 | $ 146,000 |
| Stafford County Virginia | 8 | $ 2,790,000 | $ 348,000 | $ 76,000 |
| Litchfield County Connecticut | 7 | $ 2,335,000 | $ 333,000 | $ 153,000 |
| Bucks County Pennsylvania | 7 | $ 1,305,000 | $ 186,000 | $ 82,000 |
| Middlesex County Connecticut | 6 | $ 980,000 | $ 163,000 | $ 111,000 |
| Collier County Florida | 6 | $ 1,630,000 | $ 271,000 | $ 197,000 |
| Polk County Florida | 6 | $ 220,000 | $ 36,000 | $ 75,000 |
| Howard County Maryland | 6 | $ 1,910,000 | $ 318,000 | $ 148,000 |
| Cheshire County New Hampshire | 6 | $ 240,000 | $ 40,000 | $ 59,000 |
| Bergen County New Jersey | 6 | $ 2,140,000 | $ 356,000 | $ 148,000 |
| Hillsborough County Florida | 5 | $ 345,000 | $ 69,000 | $ 100,000 |
| Orange County Florida | 5 | $ 1,055,000 | $ 211,000 | $ 226,000 |
| Osceola County Florida | 5 | $ 325,000 | $ 65,000 | $ 68,000 |
| Baltimore County Maryland | 5 | $ 1,635,000 | $ 327,000 | $ 173,000 |
| Belknap County New Hampshire | 5 | $ 325,000 | $ 65,000 | $ 52,000 |
| Carroll County New Hampshire | 5 | $ 1,135,000 | $ 227,000 | $ 180,000 |
| Salem County New Jersey | 5 | $ 215,000 | $ 43,000 | $ 62,000 |
| Dutchess County New York | 5 | $ 225,000 | $ 45,000 | $ 52,000 |
| Orange County New York | 5 | $ 225,000 | $ 45,000 | $ 62,000 |
| Ulster County New York | 5 | $ 255,000 | $ 51,000 | $ 67,000 |
| Maricopa County Arizona | 4 | $ 250,000 | $ 62,000 | $ 87,000 |
| Palm Beach County Florida | 4 | $ 1,180,000 | $ 295,000 | $ 134,000 |
| Pinellas County Florida | 4 | $ 220,000 | $ 55,000 | $ 108,000 |
| Sarasota County Florida | 4 | $ 390,000 | $ 97,000 | $ 79,000 |
| Cumberland County Maine | 4 | $ 180,000 | $ 45,000 | $ 50,000 |
| Dukes County Massachusetts | 4 | $ 1,940,000 | $ 485,000 | $ 647,000 |
| Nantucket County Massachusetts | 4 | $ 2,950,000 | $ 737,000 | $ 359,000 |
| Livingston County Michigan | 4 | $ 140,000 | $ 35,000 | $ 50,000 |
| Essex County New Jersey | 4 | $ 1,900,000 | $ 475,000 | $ 286,000 |
| Berks County Pennsylvania | 4 | $ 320,000 | $ 80,000 | $ 60,000 |
| Bedford County Virginia | 4 | $ 1,100,000 | $ 275,000 | $ 92,000 |
| Loudoun County Virginia | 4 | $ 1,730,000 | $ 432,000 | $ 161,000 |
| Prince William County Virginia | 4 | $ 1,260,000 | $ 315,000 | $ 82,000 |
| New Castle County Delaware | 3 | $ 95,000 | $ 31,000 | $ 54,000 |
| Lee County Florida | 3 | $ 405,000 | $ 135,000 | $ 160,000 |
| Volusia County Florida | 3 | $ 85,000 | $ 28,000 | $ 44,000 |
| Frederick County Maryland | 3 | $ 1,185,000 | $ 395,000 | $ 216,000 |
| Cape May County New Jersey | 3 | $ 535,000 | $ 178,000 | $ 104,000 |
| Gloucester County New Jersey | 3 | $ 135,000 | $ 45,000 | $ 48,000 |
| Sussex County New Jersey | 3 | $ 585,000 | $ 195,000 | $ 139,000 |
| Oneida County New York | 3 | $ 105,000 | $ 35,000 | $ 35,000 |
| Wake County North Carolina | 3 | $ 745,000 | $ 248,000 | $ 118,000 |
| Beaufort County South Carolina | 3 | $ 965,000 | $ 321,000 | $ 144,000 |
| Brevard County Florida | 2 | $ 100,000 | $ 50,000 | $ 45,000 |
| Highlands County Florida | 2 | $ 60,000 | $ 30,000 | $ 52,000 |
| Martin County Florida | 2 | $ 300,000 | $ 150,000 | $ 64,000 |
| Miami-Dade County Florida | 2 | $ 680,000 | $ 340,000 | $ 413,000 |
| Pasco County Florida | 2 | $ 270,000 | $ 135,000 | $ 112,000 |
| Seminole County Florida | 2 | $ 180,000 | $ 90,000 | $ 77,000 |
| Calhoun County Michigan | 2 | $ 120,000 | $ 60,000 | $ 34,000 |
| Lapeer County Michigan | 2 | $ 90,000 | $ 45,000 | $ 78,000 |
| Lenawee County Michigan | 2 | $ 90,000 | $ 45,000 | $ 38,000 |
| Macomb County Michigan | 2 | $ 70,000 | $ 35,000 | $ 35,000 |
| Oakland County Michigan | 2 | $ 190,000 | $ 95,000 | $ 45,000 |
| St. Clair County Michigan | 2 | $ 150,000 | $ 75,000 | $ 91,000 |
| Wayne County Michigan | 2 | $ 60,000 | $ 30,000 | $ 29,000 |
| Cumberland County New Jersey | 2 | $ 50,000 | $ 25,000 | $ 44,000 |
| Hudson County New Jersey | 2 | $ 610,000 | $ 305,000 | $ 144,000 |
| Warren County New Jersey | 2 | $ 190,000 | $ 95,000 | $ 155,000 |
| Herkimer County New York | 2 | $ 70,000 | $ 35,000 | $ 73,000 |
| Monroe County New York | 2 | $ 50,000 | $ 25,000 | $ 32,000 |
| Niagara County New York | 2 | $ 70,000 | $ 35,000 | $ 43,000 |
| Rensselaer County New York | 2 | $ 60,000 | $ 30,000 | $ 52,000 |
| Rockland County New York | 2 | $ 120,000 | $ 60,000 | $ 83,000 |
| Cumberland County Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 27,000 |
| Tarrant County Texas | 2 | $ 200,000 | $ 100,000 | $ 76,000 |
| Alexandria County Virginia | 2 | $ 750,000 | $ 375,000 | $ 331,000 |
| Rockbridge County Virginia | 2 | $ 500,000 | $ 250,000 | $ 100,000 |
| Kent County Delaware | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| Citrus County Florida | 1 | $ 45,000 | $ 45,000 | $ 65,000 |
| Clay County Florida | 1 | $ 395,000 | $ 395,000 | $ 529,000 |
| Indian River County Florida | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Leon County Florida | 1 | $ 275,000 | $ 275,000 | $ 128,000 |
| Monroe County Florida | 1 | $ 515,000 | $ 515,000 | $ 161,000 |
| St. Lucie County Florida | 1 | $ 205,000 | $ 205,000 | $ 268,000 |
| Sumter County Florida | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Hancock County Maine | 1 | $ 25,000 | $ 25,000 | $ 39,000 |
| Harford County Maryland | 1 | $ 445,000 | $ 445,000 | $ 229,000 |
| Kent County Maryland | 1 | $ 245,000 | $ 245,000 | $ 127,000 |
| Franklin County Massachusetts | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Allegan County Michigan | 1 | $ 85,000 | $ 85,000 | $ 84,000 |
| Clinton County Michigan | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Ingham County Michigan | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Ionia County Michigan | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| Wexford County Michigan | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Coos County New Hampshire | 1 | $ 55,000 | $ 55,000 | $ 109,000 |
| Sullivan County New Hampshire | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Camden County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 104,000 |
| Passaic County New Jersey | 1 | $ 275,000 | $ 275,000 | $ 120,000 |
| Somerset County New Jersey | 1 | $ 465,000 | $ 465,000 | $ 270,000 |
| Broome County New York | 1 | $ 65,000 | $ 65,000 | $ 43,000 |
| Chemung County New York | 1 | $ 75,000 | $ 75,000 | $ 62,000 |
| Clinton County New York | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Columbia County New York | 1 | $ 35,000 | $ 35,000 | $ 69,000 |
| Fulton County New York | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Genesee County New York | 1 | $ 35,000 | $ 35,000 | $ 35,000 |
| Schoharie County New York | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Catawba County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 56,000 |
| Chatham County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 128,000 |
| Cumberland County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 21,000 |
| Davidson County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Durham County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 191,000 |
| Martin County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 43,000 |
| Mecklenburg County North Carolina | 1 | $ 355,000 | $ 355,000 | $ 200,000 |
| Onslow County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 184,000 |
| Carbon County Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 267,000 |
| Delaware County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 123,000 |
| Lancaster County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 141,000 |
| Monroe County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 60,000 |
| Montgomery County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Northampton County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 64,000 |
| York County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Charleston County South Carolina | 1 | $ 485,000 | $ 485,000 | $ 182,000 |
| Georgetown County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 204,000 |
| Greenville County South Carolina | 1 | $ 255,000 | $ 255,000 | $ 128,000 |
| Arlington County Virginia | 1 | $ 305,000 | $ 305,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Baycoast Bank in 2020
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 | 1,769 | $594,605,000 | $336,000 | $5,745,000 | $151,000 | $2,536,000 |
| Home Purchase | 1,167 | $315,515,000 | $270,000 | $10,235,000 | $109,000 | $1,910,000 |
| Cash-out Refinancing | 675 | $192,005,000 | $284,000 | $1,505,000 | $134,000 | $1,798,000 |
| Home Improvement | 64 | $6,340,000 | $99,000 | $515,000 | $114,000 | $450,000 |
| Other Purpose | 47 | $4,375,000 | $93,000 | $825,000 | $110,000 | $423,000 |
| 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 | 3,023 | $842,625,000 | $278,000 | $10,235,000 | $131,000 | $2,536,000 |
| Not Provided | 441 | $133,575,000 | $302,000 | $2,205,000 | $160,000 | $1,910,000 |
| Not applicable | 83 | $94,415,000 | $1,137,000 | $8,925,000 | $0 | $0 |
| Hispanic | 55 | $11,555,000 | $210,000 | $585,000 | $100,000 | $239,000 |
| Black or African American | 49 | $10,405,000 | $212,000 | $805,000 | $97,000 | $278,000 |
| Asian | 45 | $12,385,000 | $275,000 | $675,000 | $108,000 | $350,000 |
| American Indian or Alaskan Native | 10 | $2,570,000 | $257,000 | $595,000 | $124,000 | $234,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $620,000 | $310,000 | $575,000 | $122,000 | $205,000 |
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) | 3,721 | $1,112,765,000 | $299,000 | $10,235,000 | $134,000 | $2,536,000 |
| FHA-insured (Federal Housing Administration) | 1 | $75,000 | $75,000 | $75,000 | $48,000 | $48,000 |
| 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 Purchased By The Institution | 2,924 | $955,020,000 | $326,000 | $2,405,000 | $149,000 | $1,910,000 |
| Loan Originated | 599 | $141,235,000 | $235,000 | $10,235,000 | $69,000 | $652,000 |
| Application Denied By Financial Institution | 126 | $9,840,000 | $78,000 | $905,000 | $61,000 | $226,000 |
| Application Withdrawn By Applicant | 57 | $5,025,000 | $88,000 | $735,000 | $134,000 | $2,536,000 |
| Application Approved But Not Accepted | 16 | $1,720,000 | $107,000 | $395,000 | $75,000 | $164,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 3,596 | $1,103,000,000 | $306,000 | $10,235,000 | $136,000 | $2,536,000 |
| Credit History | 89 | $5,595,000 | $62,000 | $325,000 | $60,000 | $226,000 |
| Debt-To-Income Ratio | 14 | $710,000 | $50,000 | $135,000 | $53,000 | $116,000 |
| Unverifiable Information | 12 | $620,000 | $51,000 | $125,000 | $60,000 | $132,000 |
| Other | 5 | $1,715,000 | $343,000 | $905,000 | $93,000 | $106,000 |
| Collateral | 4 | $740,000 | $185,000 | $565,000 | $115,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $460,000 | $230,000 | $305,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Baycoast Bank's 2020 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.