Baycoast Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Baycoast Bank 2023 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 | 1,736 |
| Total Mortgage Loan Application Amount | $481,650,000 |
| Average Mortgage Loan Application Amount | $279,200 |
| Highest Mortgage Loan Application Amount | $12,625,000 |
| Average Applicant Income | $161,000 |
| Highest Applicant Income | $2,618,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 614 | $ 147,650,000 | $ 240,000 | $ 137,000 |
| Providence County Rhode Island | 225 | $ 87,955,000 | $ 390,000 | $ 184,000 |
| Newport County Rhode Island | 105 | $ 34,745,000 | $ 330,000 | $ 208,000 |
| Plymouth County Massachusetts | 96 | $ 24,400,000 | $ 254,000 | $ 156,000 |
| Worcester County Massachusetts | 67 | $ 28,615,000 | $ 427,000 | $ 131,000 |
| Bristol County Rhode Island | 53 | $ 19,095,000 | $ 360,000 | $ 246,000 |
| Dukes County Massachusetts | 42 | $ 20,210,000 | $ 481,000 | $ 351,000 |
| Middlesex County Massachusetts | 42 | $ 15,460,000 | $ 368,000 | $ 274,000 |
| Kent County Rhode Island | 38 | $ 9,590,000 | $ 252,000 | $ 148,000 |
| Washington County Rhode Island | 38 | $ 14,680,000 | $ 386,000 | $ 216,000 |
| Maricopa County Arizona | 28 | $ 1,570,000 | $ 56,000 | $ 74,000 |
| Norfolk County Massachusetts | 28 | $ 12,470,000 | $ 445,000 | $ 276,000 |
| Barnstable County Massachusetts | 23 | $ 7,745,000 | $ 336,000 | $ 170,000 |
| Hampden County Massachusetts | 23 | $ 2,665,000 | $ 115,000 | $ 87,000 |
| Suffolk County Massachusetts | 20 | $ 11,490,000 | $ 574,000 | $ 316,000 |
| Fairfield County Connecticut | 17 | $ 4,125,000 | $ 242,000 | $ 299,000 |
| Sussex County Delaware | 16 | $ 1,830,000 | $ 114,000 | $ 114,000 |
| Suffolk County New York | 15 | $ 1,505,000 | $ 100,000 | $ 86,000 |
| Essex County Massachusetts | 12 | $ 2,530,000 | $ 210,000 | $ 231,000 |
| Hillsborough County New Hampshire | 12 | $ 2,360,000 | $ 196,000 | $ 98,000 |
| Ocean County New Jersey | 12 | $ 680,000 | $ 56,000 | $ 50,000 |
| Windham County Connecticut | 10 | $ 2,080,000 | $ 208,000 | $ 76,000 |
| Rockingham County New Hampshire | 10 | $ 1,130,000 | $ 113,000 | $ 89,000 |
| Pinal County Arizona | 9 | $ 545,000 | $ 60,000 | $ 88,000 |
| New London County Connecticut | 9 | $ 1,005,000 | $ 111,000 | $ 96,000 |
| Merrimack County New Hampshire | 9 | $ 1,015,000 | $ 112,000 | $ 71,000 |
| Yuma County Arizona | 8 | $ 310,000 | $ 38,000 | $ 68,000 |
| Hartford County Connecticut | 7 | $ 1,035,000 | $ 147,000 | $ 106,000 |
| Pima County Arizona | 5 | $ 185,000 | $ 37,000 | $ 39,000 |
| Yavapai County Arizona | 5 | $ 265,000 | $ 53,000 | $ 85,000 |
| Broward County Florida | 5 | $ 595,000 | $ 119,000 | $ 231,000 |
| Manatee County Florida | 5 | $ 695,000 | $ 139,000 | $ 69,000 |
| Palm Beach County Florida | 4 | $ 1,650,000 | $ 412,000 | $ 165,000 |
| Monmouth County New Jersey | 4 | $ 410,000 | $ 102,000 | $ 56,000 |
| Middlesex County Connecticut | 3 | $ 915,000 | $ 305,000 | $ 230,000 |
| Berkshire County Massachusetts | 3 | $ 215,000 | $ 71,000 | $ 97,000 |
| Hampshire County Massachusetts | 3 | $ 545,000 | $ 181,000 | $ 65,000 |
| Strafford County New Hampshire | 3 | $ 235,000 | $ 78,000 | $ 47,000 |
| Middlesex County New Jersey | 3 | $ 105,000 | $ 35,000 | $ 54,000 |
| Dutchess County New York | 3 | $ 215,000 | $ 71,000 | $ 61,000 |
| Erie County New York | 3 | $ 85,000 | $ 28,000 | $ 52,000 |
| Orange County New York | 3 | $ 145,000 | $ 48,000 | $ 85,000 |
| Saratoga County New York | 3 | $ 175,000 | $ 58,000 | $ 67,000 |
| Gila County Arizona | 2 | $ 100,000 | $ 50,000 | $ 111,000 |
| Navajo County Arizona | 2 | $ 230,000 | $ 115,000 | $ 82,000 |
| Litchfield County Connecticut | 2 | $ 100,000 | $ 50,000 | $ 179,000 |
| Hillsborough County Florida | 2 | $ 1,060,000 | $ 530,000 | $ 186,000 |
| Marion County Florida | 2 | $ 350,000 | $ 175,000 | $ 124,000 |
| Miami-Dade County Florida | 2 | $ 640,000 | $ 320,000 | $ 98,000 |
| Pinellas County Florida | 2 | $ 110,000 | $ 55,000 | $ 64,000 |
| Sumter County Florida | 2 | $ 280,000 | $ 140,000 | $ 70,000 |
| Oakland County Michigan | 2 | $ 70,000 | $ 35,000 | $ 38,000 |
| Ottawa County Michigan | 2 | $ 100,000 | $ 50,000 | $ 44,000 |
| Belknap County New Hampshire | 2 | $ 290,000 | $ 145,000 | $ 107,000 |
| Cheshire County New Hampshire | 2 | $ 180,000 | $ 90,000 | $ 82,000 |
| Coos County New Hampshire | 2 | $ 70,000 | $ 35,000 | $ 46,000 |
| Grafton County New Hampshire | 2 | $ 680,000 | $ 340,000 | $ 208,000 |
| Cape May County New Jersey | 2 | $ 100,000 | $ 50,000 | $ 162,000 |
| Hudson County New Jersey | 2 | $ 1,460,000 | $ 730,000 | $ 465,000 |
| Sullivan County New York | 2 | $ 120,000 | $ 60,000 | $ 62,000 |
| Ulster County New York | 2 | $ 120,000 | $ 60,000 | $ 56,000 |
| Wake County North Carolina | 2 | $ 1,290,000 | $ 645,000 | $ 149,000 |
| Prince William County Virginia | 2 | $ 1,430,000 | $ 715,000 | $ 423,000 |
| King County Washington | 2 | $ 90,000 | $ 45,000 | $ 54,000 |
| Thurston County Washington | 2 | $ 90,000 | $ 45,000 | $ 81,000 |
| Graham County Arizona | 1 | $ 65,000 | $ 65,000 | $ 41,000 |
| New Haven County Connecticut | 1 | $ 35,000 | $ 35,000 | $ 32,000 |
| Citrus County Florida | 1 | $ 395,000 | $ 395,000 | $ 148,000 |
| Collier County Florida | 1 | $ 285,000 | $ 285,000 | $ 186,000 |
| Duval County Florida | 1 | $ 315,000 | $ 315,000 | $ 157,000 |
| Hernando County Florida | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Highlands County Florida | 1 | $ 35,000 | $ 35,000 | $ 82,000 |
| Indian River County Florida | 1 | $ 45,000 | $ 45,000 | $ 57,000 |
| Orange County Florida | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Osceola County Florida | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Polk County Florida | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Volusia County Florida | 1 | $ 35,000 | $ 35,000 | $ 97,000 |
| Ada County Idaho | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Jerome County Idaho | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Howard County Maryland | 1 | $ 495,000 | $ 495,000 | $ 224,000 |
| Franklin County Massachusetts | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Nantucket County Massachusetts | 1 | $ 1,505,000 | $ 1,505,000 | $ 1,250,000 |
| Cass County Michigan | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Gratiot County Michigan | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Kent County Michigan | 1 | $ 45,000 | $ 45,000 | $ 32,000 |
| Livingston County Michigan | 1 | $ 195,000 | $ 195,000 | $ 144,000 |
| Macomb County Michigan | 1 | $ 25,000 | $ 25,000 | $ 79,000 |
| Carroll County New Hampshire | 1 | $ 65,000 | $ 65,000 | $ 42,000 |
| Atlantic County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 77,000 |
| Burlington County New Jersey | 1 | $ 235,000 | $ 235,000 | $ 555,000 |
| Mercer County New Jersey | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Passaic County New Jersey | 1 | $ 405,000 | $ 405,000 | $ 149,000 |
| Salem County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 31,000 |
| Somerset County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 56,000 |
| Sussex County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 38,000 |
| Greene County New York | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Niagara County New York | 1 | $ 25,000 | $ 25,000 | $ 30,000 |
| Onondaga County New York | 1 | $ 35,000 | $ 35,000 | $ 36,000 |
| Ontario County New York | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
| Oswego County New York | 1 | $ 35,000 | $ 35,000 | $ 84,000 |
| Brunswick County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 224,000 |
| Carteret County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 127,000 |
| Pitt County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| Clatsop County Oregon | 1 | $ 55,000 | $ 55,000 | $ 47,000 |
| Lane County Oregon | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Bedford County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Butler County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Monroe County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 85,000 |
| Montgomery County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 41,000 |
| Orangeburg County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Stafford County Virginia | 1 | $ 85,000 | $ 85,000 | $ 76,000 |
| Virginia Beach County Virginia | 1 | $ 675,000 | $ 675,000 | $ 340,000 |
| Benton County Washington | 1 | $ 75,000 | $ 75,000 | $ 41,000 |
| Pierce County Washington | 1 | $ 105,000 | $ 105,000 | $ 111,000 |
Mortgage Loan Application Detail Totals for Baycoast Bank in 2023
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 | 920 | $297,610,000 | $323,000 | $2,885,000 | $160,000 | $2,618,000 |
| Home Improvement | 320 | $76,410,000 | $238,000 | $12,625,000 | $169,000 | $1,284,000 |
| Other Purpose | 236 | $25,980,000 | $110,000 | $855,000 | $159,000 | $1,820,000 |
| Cash-out Refinancing | 177 | $40,155,000 | $226,000 | $1,605,000 | $161,000 | $1,524,000 |
| Refinancing | 83 | $41,495,000 | $499,000 | $9,005,000 | $156,000 | $1,117,000 |
| 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 | 1,365 | $327,275,000 | $239,000 | $1,925,000 | $159,000 | $2,493,000 |
| Not Provided | 214 | $57,490,000 | $268,000 | $1,505,000 | $187,000 | $2,618,000 |
| Hispanic | 46 | $8,920,000 | $193,000 | $805,000 | $120,000 | $712,000 |
| Black or African American | 34 | $10,200,000 | $300,000 | $1,425,000 | $155,000 | $474,000 |
| Not applicable | 30 | $59,910,000 | $1,997,000 | $12,625,000 | $0 | $0 |
| Asian | 28 | $12,200,000 | $435,000 | $2,885,000 | $196,000 | $926,000 |
| American Indian or Alaskan Native | 6 | $1,260,000 | $210,000 | $565,000 | $115,000 | $245,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $205,000 | $205,000 | $205,000 | $60,000 | $60,000 |
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) | 1,736 | $481,650,000 | $277,000 | $12,625,000 | $162,000 | $2,618,000 |
| 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 | 704 | $302,180,000 | $429,000 | $2,885,000 | $194,000 | $2,618,000 |
| Loan Originated | 701 | $115,215,000 | $164,000 | $12,625,000 | $156,000 | $1,820,000 |
| Application Denied By Financial Institution | 163 | $23,605,000 | $144,000 | $5,985,000 | $98,000 | $596,000 |
| File Closed For Incompleteness | 88 | $26,150,000 | $297,000 | $11,305,000 | $64,000 | $164,000 |
| Application Withdrawn By Applicant | 54 | $6,430,000 | $119,000 | $505,000 | $141,000 | $582,000 |
| Application Approved But Not Accepted | 26 | $8,070,000 | $310,000 | $2,945,000 | $196,000 | $1,524,000 |
| 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 | 1,573 | $458,045,000 | $291,000 | $12,625,000 | $168,000 | $2,618,000 |
| Credit History | 77 | $6,985,000 | $90,000 | $475,000 | $101,000 | $596,000 |
| Debt-To-Income Ratio | 53 | $6,305,000 | $118,000 | $355,000 | $77,000 | $223,000 |
| Other | 16 | $8,750,000 | $546,000 | $5,985,000 | $100,000 | $258,000 |
| Collateral | 12 | $1,280,000 | $106,000 | $205,000 | $160,000 | $409,000 |
| Unverifiable Information | 3 | $165,000 | $55,000 | $75,000 | $185,000 | $361,000 |
| Employment History | 2 | $120,000 | $60,000 | $65,000 | $57,000 | $73,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Baycoast Bank's 2023 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.