Baycoast Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Baycoast Bank 2022 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 | 3,665 |
| Total Mortgage Loan Application Amount | $1,028,315,000 |
| Average Mortgage Loan Application Amount | $216,000 |
| Highest Mortgage Loan Application Amount | $29,555,000 |
| Average Applicant Income | $139,666 |
| Highest Applicant Income | $4,293,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| PROVIDENCE-WARWICK, RI-MA | 2,015 | $ 622,625,000 | $ 322,500 | $ 192,500 |
| BOSTON, MA | 330 | $ 125,430,000 | $ 380,000 | $ 193,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 173 | $ 11,645,000 | $ 67,000 | $ 65,000 |
| WORCESTER, MA-CT | 130 | $ 31,080,000 | $ 211,000 | $ 123,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 100 | $ 52,190,000 | $ 521,000 | $ 238,000 |
| NA (OUTSIDE OF MSA/MD) | 90 | $ 22,640,000 | $ 150,100 | $ 92,200 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 54 | $ 25,630,000 | $ 474,000 | $ 247,000 |
| BARNSTABLE TOWN, MA | 53 | $ 20,455,000 | $ 385,000 | $ 214,000 |
| NEW YORK-NEWARK, NY | 45 | $ 4,545,000 | $ 95,000 | $ 68,000 |
| SPRINGFIELD, MA | 39 | $ 4,675,000 | $ 119,000 | $ 57,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 34 | $ 5,750,000 | $ 169,000 | $ 97,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 33 | $ 2,275,000 | $ 68,000 | $ 59,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 30 | $ 3,030,000 | $ 101,000 | $ 71,000 |
| SALISBURY, MD-DE | 28 | $ 3,350,000 | $ 129,000 | $ 148,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 27 | $ 2,845,000 | $ 105,000 | $ 76,000 |
| TUCSON, AZ | 27 | $ 1,515,000 | $ 56,000 | $ 68,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 24 | $ 21,220,000 | $ 884,000 | $ 112,000 |
| MANCHESTER-NASHUA, NH | 23 | $ 2,845,000 | $ 123,000 | $ 82,000 |
| NORWICH-NEW LONDON, CT | 23 | $ 5,565,000 | $ 241,000 | $ 119,000 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 21 | $ 2,505,000 | $ 119,000 | $ 74,000 |
| GRAND RAPIDS-WYOMING, MI | 20 | $ 1,160,000 | $ 58,000 | $ 51,000 |
| LAKELAND-WINTER HAVEN, FL | 17 | $ 2,265,000 | $ 133,000 | $ 94,000 |
| CAMDEN, NJ | 16 | $ 980,000 | $ 61,000 | $ 49,000 |
| ALBANY-SCHENECTADY-TROY, NY | 15 | $ 845,000 | $ 56,000 | $ 59,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 15 | $ 1,175,000 | $ 78,000 | $ 57,000 |
| DETROIT-DEARBORN-LIVONIA, MI | 15 | $ 825,000 | $ 55,000 | $ 71,000 |
| NEW HAVEN-MILFORD, CT | 14 | $ 3,860,000 | $ 275,000 | $ 115,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 13 | $ 3,715,000 | $ 285,000 | $ 129,000 |
| PRESCOTT VALLEY-PRESCOTT, AZ | 12 | $ 1,280,000 | $ 106,000 | $ 77,000 |
| DOVER, DE | 11 | $ 995,000 | $ 90,000 | $ 75,000 |
| YUMA, AZ | 10 | $ 540,000 | $ 54,000 | $ 46,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 8 | $ 680,000 | $ 85,000 | $ 79,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 8 | $ 3,470,000 | $ 433,000 | $ 184,000 |
| MONROE, MI | 8 | $ 340,000 | $ 42,000 | $ 60,000 |
| PITTSBURGH, PA | 8 | $ 420,000 | $ 52,000 | $ 52,000 |
| PITTSFIELD, MA | 8 | $ 350,000 | $ 43,000 | $ 41,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 7 | $ 425,000 | $ 69,500 | $ 70,500 |
| CAPE CORAL-FORT MYERS, FL | 7 | $ 1,275,000 | $ 182,000 | $ 164,000 |
| KINGSTON, NY | 7 | $ 335,000 | $ 47,000 | $ 73,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 7 | $ 395,000 | $ 56,000 | $ 71,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 6 | $ 4,490,000 | $ 748,000 | $ 623,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 6 | $ 1,550,000 | $ 258,000 | $ 78,000 |
| PALM BAY-MELBOURNE-TITUSVILLE, FL | 6 | $ 350,000 | $ 58,000 | $ 88,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 6 | $ 7,020,000 | $ 1,170,000 | $ 411,000 |
| WILMINGTON, DE-MD-NJ | 6 | $ 380,000 | $ 62,500 | $ 76,500 |
| LANCASTER, PA | 5 | $ 635,000 | $ 127,000 | $ 93,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 5 | $ 1,575,000 | $ 315,000 | $ 210,000 |
| SALEM, OR | 5 | $ 375,000 | $ 75,000 | $ 70,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 4 | $ 310,000 | $ 77,000 | $ 44,000 |
| OCEAN CITY, NJ | 4 | $ 370,000 | $ 92,000 | $ 66,000 |
| PORTLAND-SOUTH PORTLAND, ME | 4 | $ 290,000 | $ 72,000 | $ 78,000 |
| PUNTA GORDA, FL | 4 | $ 380,000 | $ 95,000 | $ 115,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 4 | $ 970,000 | $ 242,000 | $ 157,000 |
| JACKSONVILLE, FL | 3 | $ 165,000 | $ 55,000 | $ 41,000 |
| LANSING-EAST LANSING, MI | 3 | $ 275,000 | $ 91,000 | $ 56,000 |
| NILES-BENTON HARBOR, MI | 3 | $ 145,000 | $ 48,000 | $ 51,000 |
| PHILADELPHIA, PA | 3 | $ 715,000 | $ 238,000 | $ 95,000 |
| ROCHESTER, NY | 3 | $ 175,000 | $ 58,000 | $ 67,000 |
| TACOMA-LAKEWOOD, WA | 3 | $ 255,000 | $ 85,000 | $ 65,000 |
| UTICA-ROME, NY | 3 | $ 105,000 | $ 35,000 | $ 43,000 |
| WASHINGTON-BALTIMORE-ARLINGTON, DC | 3 | $ 1,325,000 | $ 441,000 | $ 155,000 |
| BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY | 2 | $ 70,000 | $ 35,000 | $ 52,000 |
| CHAMBERSBURG-WAYNESBORO, PA | 2 | $ 140,000 | $ 70,000 | $ 52,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 2 | $ 2,160,000 | $ 1,080,000 | $ 892,000 |
| EUGENE, OR | 2 | $ 110,000 | $ 55,000 | $ 48,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 2 | $ 600,000 | $ 300,000 | $ 77,000 |
| HOMOSASSA SPRINGS, FL | 2 | $ 60,000 | $ 30,000 | $ 55,000 |
| RALEIGH, NC | 2 | $ 500,000 | $ 250,000 | $ 509,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 2 | $ 300,000 | $ 150,000 | $ 73,000 |
| SYRACUSE, NY | 2 | $ 70,000 | $ 35,000 | $ 55,000 |
| TRENTON, NJ | 2 | $ 100,000 | $ 50,000 | $ 39,000 |
| YORK-HANOVER, PA | 2 | $ 100,000 | $ 50,000 | $ 30,000 |
| ALBANY, OR | 1 | $ 35,000 | $ 35,000 | $ 122,000 |
| ANN ARBOR, MI | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 1 | $ 995,000 | $ 995,000 | $ 249,000 |
| BINGHAMTON, NY | 1 | $ 75,000 | $ 75,000 | $ 79,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 1 | $ 605,000 | $ 605,000 | $ 317,000 |
| DURHAM-CHAPEL HILL, NC | 1 | $ 335,000 | $ 335,000 | $ 166,000 |
| EAST STROUDSBURG, PA | 1 | $ 145,000 | $ 145,000 | $ 84,000 |
| ELMIRA, NY | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| ERIE, PA | 1 | $ 55,000 | $ 55,000 | $ 66,000 |
| FAYETTEVILLE, NC | 1 | $ 205,000 | $ 205,000 | $ 92,000 |
| GLENS FALLS, NY | 1 | $ 65,000 | $ 65,000 | $ 36,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 1 | $ 805,000 | $ 805,000 | $ 325,000 |
| HARRISBURG-CARLISLE, PA | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| KALAMAZOO-PORTAGE, MI | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| LEBANON, PA | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| LONGVIEW, TX | 1 | $ 65,000 | $ 65,000 | $ 64,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 1 | $ 145,000 | $ 145,000 | $ 139,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 1 | $ 125,000 | $ 125,000 | $ 58,000 |
| OCALA, FL | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 1 | $ 255,000 | $ 255,000 | $ 81,000 |
| PORT ST. LUCIE, FL | 1 | $ 25,000 | $ 25,000 | $ 27,000 |
| RICHMOND, VA | 1 | $ 95,000 | $ 95,000 | $ 102,000 |
| SEBASTIAN-VERO BEACH, FL | 1 | $ 85,000 | $ 85,000 | $ 76,000 |
| STAUNTON-WAYNESBORO, VA | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| TALLAHASSEE, FL | 1 | $ 35,000 | $ 35,000 | $ 61,000 |
| THE VILLAGES, FL | 1 | $ 55,000 | $ 55,000 | $ 27,000 |
| VINELAND-BRIDGETON, NJ | 1 | $ 105,000 | $ 105,000 | $ 79,000 |
| WILMINGTON, NC | 1 | $ 495,000 | $ 495,000 | $ 124,000 |
| YAKIMA, WA | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
Mortgage Loan Application Detail Totals for Baycoast Bank in 2022
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 | 1,758 | $610,240,000 | $347,000 | $29,555,000 | $141,000 | $2,342,000 |
| Home Improvement | 594 | $81,630,000 | $137,000 | $2,615,000 | $149,000 | $2,048,000 |
| Cash-out Refinancing | 483 | $154,715,000 | $320,000 | $2,755,000 | $242,000 | $4,293,000 |
| Other Purpose | 466 | $72,470,000 | $155,000 | $1,505,000 | $150,000 | $2,037,000 |
| Refinancing | 361 | $109,155,000 | $302,000 | $8,005,000 | $156,000 | $4,281,000 |
| Not Applicable | 3 | $105,000 | $35,000 | $35,000 | $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 | 2,865 | $709,165,000 | $247,000 | $4,755,000 | $159,000 | $4,293,000 |
| Not Provided | 447 | $121,815,000 | $272,000 | $2,755,000 | $167,000 | $1,601,000 |
| Hispanic | 101 | $23,905,000 | $236,000 | $1,165,000 | $125,000 | $528,000 |
| Not applicable | 90 | $129,710,000 | $1,441,000 | $29,555,000 | $0 | $0 |
| Black or African American | 72 | $15,960,000 | $221,000 | $645,000 | $121,000 | $792,000 |
| Asian | 52 | $18,200,000 | $350,000 | $1,505,000 | $193,000 | $1,249,000 |
| American Indian or Alaskan Native | 11 | $1,925,000 | $175,000 | $445,000 | $68,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $75,000 | $75,000 | $75,000 | $41,000 | $41,000 |
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) | 3,664 | $1,028,270,000 | $280,000 | $29,555,000 | $159,000 | $4,293,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $45,000 | $45,000 | $45,000 | $73,000 | $73,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing 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 | 1,707 | $309,075,000 | $181,000 | $29,555,000 | $129,000 | $2,048,000 |
| Loan Purchased By The Institution | 1,371 | $630,455,000 | $459,000 | $4,755,000 | $226,000 | $4,293,000 |
| Application Denied By Financial Institution | 250 | $28,900,000 | $115,000 | $2,365,000 | $83,000 | $603,000 |
| File Closed For Incompleteness | 165 | $12,395,000 | $75,000 | $445,000 | $61,000 | $364,000 |
| Application Withdrawn By Applicant | 123 | $42,125,000 | $342,000 | $7,205,000 | $85,000 | $500,000 |
| Application Approved But Not Accepted | 49 | $5,365,000 | $109,000 | $605,000 | $120,000 | $720,000 |
| 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 | 3,415 | $999,415,000 | $292,000 | $29,555,000 | $164,000 | $4,293,000 |
| Credit History | 123 | $10,805,000 | $87,000 | $585,000 | $85,000 | $384,000 |
| Debt-To-Income Ratio | 40 | $6,540,000 | $163,000 | $1,005,000 | $75,000 | $261,000 |
| Unverifiable Information | 35 | $2,365,000 | $67,000 | $185,000 | $46,000 | $120,000 |
| Collateral | 31 | $4,285,000 | $138,000 | $495,000 | $143,000 | $603,000 |
| Other | 14 | $1,300,000 | $92,000 | $205,000 | $65,000 | $167,000 |
| Employment History | 4 | $320,000 | $80,000 | $105,000 | $49,000 | $76,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $3,285,000 | $1,095,000 | $2,365,000 | $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 2022 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.