Baycoast Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Baycoast Bank 2021 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 | 3,980 |
| Total Mortgage Loan Application Amount | $1,228,190,000 |
| Average Mortgage Loan Application Amount | $243,000 |
| Highest Mortgage Loan Application Amount | $6,935,000 |
| Average Applicant Income | $142,200 |
| Highest Applicant Income | $3,866,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| 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 | 1,306 | $ 367,070,000 | $ 281,000 | $ 122,000 |
| Plymouth County Massachusetts | 299 | $ 94,575,000 | $ 316,000 | $ 152,000 |
| Providence County Rhode Island | 289 | $ 149,915,000 | $ 518,000 | $ 160,000 |
| Newport County Rhode Island | 207 | $ 78,485,000 | $ 379,000 | $ 163,000 |
| Worcester County Massachusetts | 157 | $ 43,965,000 | $ 280,000 | $ 114,000 |
| Fairfield County Connecticut | 142 | $ 78,980,000 | $ 556,000 | $ 275,000 |
| Middlesex County Massachusetts | 125 | $ 52,835,000 | $ 422,000 | $ 219,000 |
| Washington County Rhode Island | 100 | $ 46,680,000 | $ 466,000 | $ 209,000 |
| Bristol County Rhode Island | 99 | $ 37,625,000 | $ 380,000 | $ 155,000 |
| Norfolk County Massachusetts | 97 | $ 46,485,000 | $ 479,000 | $ 186,000 |
| Kent County Rhode Island | 91 | $ 26,355,000 | $ 289,000 | $ 119,000 |
| Barnstable County Massachusetts | 59 | $ 24,325,000 | $ 412,000 | $ 180,000 |
| Hillsborough County New Hampshire | 38 | $ 5,970,000 | $ 157,000 | $ 93,000 |
| Suffolk County Massachusetts | 35 | $ 21,865,000 | $ 624,000 | $ 246,000 |
| Hampden County Massachusetts | 34 | $ 5,400,000 | $ 158,000 | $ 112,000 |
| Hartford County Connecticut | 31 | $ 14,165,000 | $ 456,000 | $ 124,000 |
| Sussex County Delaware | 30 | $ 2,350,000 | $ 78,000 | $ 105,000 |
| Rockingham County New Hampshire | 28 | $ 4,920,000 | $ 175,000 | $ 87,000 |
| Saratoga County New York | 27 | $ 1,325,000 | $ 49,000 | $ 57,000 |
| Maricopa County Arizona | 26 | $ 1,650,000 | $ 63,000 | $ 59,000 |
| Essex County Massachusetts | 25 | $ 10,355,000 | $ 414,000 | $ 185,000 |
| New Haven County Connecticut | 23 | $ 5,565,000 | $ 241,000 | $ 146,000 |
| New London County Connecticut | 22 | $ 2,950,000 | $ 134,000 | $ 74,000 |
| Montgomery County Maryland | 22 | $ 9,020,000 | $ 410,000 | $ 296,000 |
| Atlantic County New Jersey | 22 | $ 1,390,000 | $ 63,000 | $ 61,000 |
| Merrimack County New Hampshire | 21 | $ 2,025,000 | $ 96,000 | $ 61,000 |
| Macomb County Michigan | 19 | $ 955,000 | $ 50,000 | $ 56,000 |
| Strafford County New Hampshire | 18 | $ 1,490,000 | $ 82,000 | $ 76,000 |
| Suffolk County New York | 18 | $ 1,560,000 | $ 86,000 | $ 85,000 |
| Ocean County New Jersey | 17 | $ 1,245,000 | $ 73,000 | $ 61,000 |
| Windham County Connecticut | 16 | $ 2,740,000 | $ 171,000 | $ 115,000 |
| Palm Beach County Florida | 16 | $ 6,350,000 | $ 396,000 | $ 317,000 |
| Dutchess County New York | 15 | $ 935,000 | $ 62,000 | $ 57,000 |
| Monroe County Michigan | 14 | $ 550,000 | $ 39,000 | $ 65,000 |
| Monmouth County New Jersey | 14 | $ 860,000 | $ 61,000 | $ 78,000 |
| Ottawa County Michigan | 13 | $ 665,000 | $ 51,000 | $ 55,000 |
| Broward County Florida | 11 | $ 1,155,000 | $ 105,000 | $ 150,000 |
| Orange County Florida | 11 | $ 915,000 | $ 83,000 | $ 84,000 |
| Berkshire County Massachusetts | 11 | $ 485,000 | $ 44,000 | $ 35,000 |
| Livingston County Michigan | 11 | $ 605,000 | $ 55,000 | $ 50,000 |
| Carroll County New Hampshire | 11 | $ 2,305,000 | $ 209,000 | $ 137,000 |
| Wayne County Michigan | 10 | $ 520,000 | $ 52,000 | $ 47,000 |
| Grafton County New Hampshire | 10 | $ 2,700,000 | $ 270,000 | $ 204,000 |
| Kent County Michigan | 9 | $ 415,000 | $ 46,000 | $ 53,000 |
| Fairfax County Virginia | 9 | $ 4,205,000 | $ 467,000 | $ 240,000 |
| Pinal County Arizona | 8 | $ 700,000 | $ 87,000 | $ 57,000 |
| Hillsborough County Florida | 8 | $ 550,000 | $ 68,000 | $ 107,000 |
| Hampshire County Massachusetts | 8 | $ 750,000 | $ 93,000 | $ 90,000 |
| Belknap County New Hampshire | 8 | $ 3,310,000 | $ 413,000 | $ 252,000 |
| Tolland County Connecticut | 7 | $ 925,000 | $ 132,000 | $ 89,000 |
| Lee County Florida | 7 | $ 585,000 | $ 83,000 | $ 84,000 |
| Pinellas County Florida | 7 | $ 1,555,000 | $ 222,000 | $ 103,000 |
| Polk County Florida | 7 | $ 545,000 | $ 77,000 | $ 69,000 |
| Burlington County New Jersey | 7 | $ 415,000 | $ 59,000 | $ 51,000 |
| Cumberland County New Jersey | 7 | $ 345,000 | $ 49,000 | $ 46,000 |
| Middlesex County New Jersey | 7 | $ 505,000 | $ 72,000 | $ 63,000 |
| Yavapai County Arizona | 6 | $ 570,000 | $ 95,000 | $ 54,000 |
| Lake County Florida | 6 | $ 560,000 | $ 93,000 | $ 62,000 |
| Sarasota County Florida | 6 | $ 750,000 | $ 125,000 | $ 267,000 |
| Allegan County Michigan | 6 | $ 310,000 | $ 51,000 | $ 45,000 |
| Oakland County Michigan | 6 | $ 340,000 | $ 56,000 | $ 61,000 |
| St. Clair County Michigan | 6 | $ 280,000 | $ 46,000 | $ 54,000 |
| Cheshire County New Hampshire | 6 | $ 820,000 | $ 136,000 | $ 85,000 |
| Bergen County New Jersey | 6 | $ 2,890,000 | $ 481,000 | $ 206,000 |
| Cape May County New Jersey | 6 | $ 850,000 | $ 141,000 | $ 103,000 |
| Litchfield County Connecticut | 5 | $ 1,515,000 | $ 303,000 | $ 276,000 |
| Middlesex County Connecticut | 5 | $ 595,000 | $ 119,000 | $ 106,000 |
| Pasco County Florida | 5 | $ 155,000 | $ 31,000 | $ 51,000 |
| York County Maine | 5 | $ 375,000 | $ 75,000 | $ 51,000 |
| Franklin County Massachusetts | 5 | $ 365,000 | $ 73,000 | $ 57,000 |
| Berrien County Michigan | 5 | $ 345,000 | $ 69,000 | $ 69,000 |
| Charlotte County Florida | 4 | $ 920,000 | $ 230,000 | $ 188,000 |
| Manatee County Florida | 4 | $ 780,000 | $ 195,000 | $ 154,000 |
| Marion County Florida | 4 | $ 260,000 | $ 65,000 | $ 71,000 |
| Volusia County Florida | 4 | $ 700,000 | $ 175,000 | $ 60,000 |
| Washtenaw County Michigan | 4 | $ 230,000 | $ 57,000 | $ 52,000 |
| Wexford County Michigan | 4 | $ 170,000 | $ 42,000 | $ 43,000 |
| Essex County New Jersey | 4 | $ 1,670,000 | $ 417,000 | $ 1,234,000 |
| Columbia County New York | 4 | $ 230,000 | $ 57,000 | $ 78,000 |
| Ulster County New York | 4 | $ 160,000 | $ 40,000 | $ 52,000 |
| Cumberland County Pennsylvania | 4 | $ 180,000 | $ 45,000 | $ 49,000 |
| Montgomery County Pennsylvania | 4 | $ 460,000 | $ 115,000 | $ 100,000 |
| Virginia Beach County Virginia | 4 | $ 1,210,000 | $ 302,000 | $ 147,000 |
| Pima County Arizona | 3 | $ 165,000 | $ 55,000 | $ 84,000 |
| Kent County Delaware | 3 | $ 215,000 | $ 71,000 | $ 70,000 |
| Collier County Florida | 3 | $ 315,000 | $ 105,000 | $ 83,000 |
| Indian River County Florida | 3 | $ 635,000 | $ 211,000 | $ 434,000 |
| Miami-Dade County Florida | 3 | $ 5,195,000 | $ 1,731,000 | $ 387,000 |
| Monroe County Florida | 3 | $ 955,000 | $ 318,000 | $ 78,000 |
| St. Johns County Florida | 3 | $ 375,000 | $ 125,000 | $ 154,000 |
| Anne Arundel County Maryland | 3 | $ 835,000 | $ 278,000 | $ 92,000 |
| Nantucket County Massachusetts | 3 | $ 4,515,000 | $ 1,505,000 | $ 628,000 |
| Clinton County Michigan | 3 | $ 125,000 | $ 41,000 | $ 52,000 |
| Lapeer County Michigan | 3 | $ 175,000 | $ 58,000 | $ 56,000 |
| Somerset County New Jersey | 3 | $ 145,000 | $ 48,000 | $ 58,000 |
| Orange County New York | 3 | $ 135,000 | $ 45,000 | $ 66,000 |
| Deschutes County Oregon | 3 | $ 255,000 | $ 85,000 | $ 48,000 |
| Chester County Pennsylvania | 3 | $ 1,145,000 | $ 381,000 | $ 209,000 |
| Beaufort County South Carolina | 3 | $ 1,535,000 | $ 511,000 | $ 212,000 |
| Loudoun County Virginia | 3 | $ 1,315,000 | $ 438,000 | $ 243,000 |
| Mohave County Arizona | 2 | $ 180,000 | $ 90,000 | $ 67,000 |
| Brevard County Florida | 2 | $ 130,000 | $ 65,000 | $ 45,000 |
| Cumberland County Maine | 2 | $ 60,000 | $ 30,000 | $ 51,000 |
| Baltimore County Maryland | 2 | $ 690,000 | $ 345,000 | $ 172,000 |
| Barry County Michigan | 2 | $ 110,000 | $ 55,000 | $ 80,000 |
| Manistee County Michigan | 2 | $ 50,000 | $ 25,000 | $ 32,000 |
| Sullivan County New Hampshire | 2 | $ 80,000 | $ 40,000 | $ 38,000 |
| Gloucester County New Jersey | 2 | $ 330,000 | $ 165,000 | $ 80,000 |
| Genesee County New York | 2 | $ 80,000 | $ 40,000 | $ 49,000 |
| Greene County New York | 2 | $ 60,000 | $ 30,000 | $ 52,000 |
| Herkimer County New York | 2 | $ 90,000 | $ 45,000 | $ 41,000 |
| Ontario County New York | 2 | $ 130,000 | $ 65,000 | $ 55,000 |
| Otsego County New York | 2 | $ 50,000 | $ 25,000 | $ 30,000 |
| Mecklenburg County North Carolina | 2 | $ 490,000 | $ 245,000 | $ 163,000 |
| Lane County Oregon | 2 | $ 120,000 | $ 60,000 | $ 56,000 |
| Bucks County Pennsylvania | 2 | $ 320,000 | $ 160,000 | $ 70,000 |
| Lancaster County Pennsylvania | 2 | $ 90,000 | $ 45,000 | $ 74,000 |
| Monroe County Pennsylvania | 2 | $ 130,000 | $ 65,000 | $ 107,000 |
| Charleston County South Carolina | 2 | $ 690,000 | $ 345,000 | $ 208,000 |
| Tarrant County Texas | 2 | $ 110,000 | $ 55,000 | $ 36,000 |
| Alexandria County Virginia | 2 | $ 590,000 | $ 295,000 | $ 218,000 |
| Stafford County Virginia | 2 | $ 480,000 | $ 240,000 | $ 78,000 |
| Coconino County Arizona | 1 | $ 55,000 | $ 55,000 | $ 50,000 |
| New Castle County Delaware | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Citrus County Florida | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Clay County Florida | 1 | $ 385,000 | $ 385,000 | $ 262,000 |
| Hernando County Florida | 1 | $ 35,000 | $ 35,000 | $ 68,000 |
| Highlands County Florida | 1 | $ 25,000 | $ 25,000 | $ 26,000 |
| Martin County Florida | 1 | $ 955,000 | $ 955,000 | $ 168,000 |
| Okeechobee County Florida | 1 | $ 55,000 | $ 55,000 | $ 284,000 |
| Seminole County Florida | 1 | $ 85,000 | $ 85,000 | $ 66,000 |
| St. Lucie County Florida | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Androscoggin County Maine | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Hancock County Maine | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| Kennebec County Maine | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Penobscot County Maine | 1 | $ 65,000 | $ 65,000 | $ 131,000 |
| Sagadahoc County Maine | 1 | $ 75,000 | $ 75,000 | $ 65,000 |
| Carroll County Maryland | 1 | $ 235,000 | $ 235,000 | $ 131,000 |
| Harford County Maryland | 1 | $ 445,000 | $ 445,000 | $ 236,000 |
| Howard County Maryland | 1 | $ 215,000 | $ 215,000 | $ 110,000 |
| Dukes County Massachusetts | 1 | $ 155,000 | $ 155,000 | $ 225,000 |
| Cass County Michigan | 1 | $ 45,000 | $ 45,000 | $ 37,000 |
| Grand Traverse County Michigan | 1 | $ 85,000 | $ 85,000 | $ 32,000 |
| Gratiot County Michigan | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Ingham County Michigan | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Kalamazoo County Michigan | 1 | $ 35,000 | $ 35,000 | $ 88,000 |
| Lenawee County Michigan | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Sanilac County Michigan | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Coos County New Hampshire | 1 | $ 95,000 | $ 95,000 | $ 46,000 |
| Hudson County New Jersey | 1 | $ 505,000 | $ 505,000 | $ 3,866,000 |
| Hunterdon County New Jersey | 1 | $ 175,000 | $ 175,000 | $ 326,000 |
| Warren County New Jersey | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Fulton County New York | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Niagara County New York | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Orleans County New York | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Rensselaer County New York | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Tompkins County New York | 1 | $ 45,000 | $ 45,000 | $ 35,000 |
| Bertie County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 111,000 |
| Davidson County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 23,000 |
| Durham County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 69,000 |
| Gaston County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 64,000 |
| Martin County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 84,000 |
| Moore County North Carolina | 1 | $ 425,000 | $ 425,000 | $ 144,000 |
| Pender County North Carolina | 1 | $ 285,000 | $ 285,000 | $ 132,000 |
| Wake County North Carolina | 1 | $ 545,000 | $ 545,000 | $ 208,000 |
| Clackamas County Oregon | 1 | $ 45,000 | $ 45,000 | $ 71,000 |
| Klamath County Oregon | 1 | $ 65,000 | $ 65,000 | $ 26,000 |
| Multnomah County Oregon | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Yamhill County Oregon | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Adams County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Allegheny County Pennsylvania | 1 | $ 495,000 | $ 495,000 | $ 636,000 |
| Beaver County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Bedford County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 47,000 |
| Dauphin County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 108,000 |
| Franklin County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Westmoreland County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 35,000 |
| York County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Aiken County South Carolina | 1 | $ 545,000 | $ 545,000 | $ 216,000 |
| Brazoria County Texas | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Travis County Texas | 1 | $ 95,000 | $ 95,000 | $ 78,000 |
| Bennington County Vermont | 1 | $ 35,000 | $ 35,000 | $ 37,000 |
| Windham County Vermont | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Arlington County Virginia | 1 | $ 535,000 | $ 535,000 | $ 404,000 |
| Falls Church County Virginia | 1 | $ 115,000 | $ 115,000 | $ 158,000 |
| Northumberland County Virginia | 1 | $ 505,000 | $ 505,000 | $ 323,000 |
| Spotsylvania County Virginia | 1 | $ 405,000 | $ 405,000 | $ 380,000 |
Mortgage Loan Application Detail Totals for Baycoast Bank in 2021
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 | 1,529 | $456,575,000 | $298,000 | $6,545,000 | $119,000 | $2,554,000 |
| Refinancing | 1,525 | $503,365,000 | $330,000 | $6,935,000 | $166,000 | $3,866,000 |
| Cash-out Refinancing | 785 | $249,845,000 | $318,000 | $1,915,000 | $142,000 | $1,284,000 |
| Home Improvement | 80 | $8,110,000 | $101,000 | $1,005,000 | $91,000 | $430,000 |
| Other Purpose | 61 | $10,295,000 | $168,000 | $905,000 | $193,000 | $3,866,000 |
| 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 | 3,078 | $873,370,000 | $283,000 | $4,415,000 | $139,000 | $2,554,000 |
| Not Provided | 615 | $184,485,000 | $299,000 | $4,275,000 | $149,000 | $2,809,000 |
| Not applicable | 83 | $110,725,000 | $1,334,000 | $6,935,000 | $0 | $0 |
| Hispanic | 62 | $17,900,000 | $288,000 | $1,455,000 | $107,000 | $457,000 |
| Asian | 61 | $21,595,000 | $354,000 | $1,265,000 | $286,000 | $3,866,000 |
| Black or African American | 38 | $8,700,000 | $228,000 | $655,000 | $98,000 | $360,000 |
| American Indian or Alaskan Native | 16 | $3,620,000 | $226,000 | $515,000 | $123,000 | $316,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $555,000 | $185,000 | $455,000 | $104,000 | $190,000 |
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) | 3,980 | $1,228,190,000 | $308,000 | $6,935,000 | $142,000 | $3,866,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 2,956 | $1,045,590,000 | $353,000 | $4,365,000 | $167,000 | $3,866,000 |
| Loan Originated | 596 | $126,940,000 | $212,000 | $6,935,000 | $70,000 | $778,000 |
| Application Denied By Financial Institution | 320 | $41,120,000 | $128,000 | $5,315,000 | $57,000 | $264,000 |
| Application Withdrawn By Applicant | 100 | $12,180,000 | $121,000 | $3,405,000 | $58,000 | $275,000 |
| Application Approved But Not Accepted | 8 | $2,360,000 | $295,000 | $745,000 | $119,000 | $335,000 |
| 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 | 3,660 | $1,187,070,000 | $324,000 | $6,935,000 | $150,000 | $3,866,000 |
| Unverifiable Information | 218 | $34,750,000 | $159,000 | $5,315,000 | $58,000 | $264,000 |
| Credit History | 78 | $4,470,000 | $57,000 | $255,000 | $55,000 | $127,000 |
| Debt-To-Income Ratio | 13 | $595,000 | $45,000 | $85,000 | $53,000 | $98,000 |
| Collateral | 5 | $375,000 | $75,000 | $105,000 | $55,000 | $68,000 |
| Other | 3 | $435,000 | $145,000 | $225,000 | $100,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $400,000 | $200,000 | $335,000 | $46,000 | $46,000 |
| Employment History | 1 | $95,000 | $95,000 | $95,000 | $43,000 | $43,000 |
| 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 2021 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.