Lender profile · HMDA 2023–2025
BayCoast Bank mortgage approval rates & lending data
BayCoast Bank decided 1,470 mortgage applications and funded 1,186 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 84% | 341 / 407 | 99% | $75K | 338 |
| Home improvement loans | 80% | 466 / 579 | 97% | $95K | 450 |
| Cash-out refinance | 86% | 305 / 354 | 96% | $125K | 292 |
| Refinance | 80% | 28 / 35 | 96% | $65K | 27 |
| Investment property purchase | 98% | 40 / 41 | 95% | $415K | 38 |
| Investment home improvement | 84% | 32 / 38 | 97% | $105K | 31 |
BayCoast Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 84% | $105K | 1,016 | 825 |
| Rhode Island | 80% | $145K | 191 | 144 |
| Arizona | 95% | $55K | 59 | 56 |
| New York | 78% | $55K | 37 | 28 |
| New Hampshire | 83% | $65K | 35 | 29 |
| New Jersey | 82% | $45K | 28 | 23 |
| Florida | 95% | $45K | 19 | 18 |
| Delaware | 78% | $75K | 18 | 14 |
| Connecticut | 88% | $55K | 16 | 14 |
| Michigan | 77% | $35K | 13 | 10 |
| Washington | 75% | $45K | 8 | 6 |
| Idaho | 71% | $115K | 7 | 5 |
| Pennsylvania | 57% | $25K | 7 | 4 |
| Ohio | 83% | $25K | 6 | 5 |
| Oregon | 75% | $65K | 4 | 3 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.