Cape & Coast Bank Mortgage Lending & HMDA Data, 2003
In 2003, Cape & Coast Bank of Yarmouth Port, MA reported 999 mortgage applications totaling $181.4 million. The average application was for $181,616, and applicants reported an average income of $88,543. 91% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Barnstable-Yarmouth, MA (939), Boston, MA-NH (15) and Brockton, MA (1) (applications in parentheses).
| Mortgage Company & Address | Cape & Coast Bank 121 Main Street Yarmouth Port, MA 02675 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | 999 |
| Total Mortgage Loan Application Amount | $181,435,000 |
| Average Mortgage Loan Application Amount | $181,616 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $88,543 |
| Highest Applicant Income | $9,243,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Barnstable, Massachusetts | 978 | $ 177,386,000 | $ 181,376 | $ 107,000 |
| Plymouth, Massachusetts | 15 | $ 2,509,000 | $ 167,266 | $ 70,000 |
| Nantucket, Massachusetts | 3 | $ 885,000 | $ 295,000 | $ 111,000 |
| Dukes, Massachusetts | 2 | $ 355,000 | $ 177,500 | $ 122,000 |
| Suffolk, Massachusetts | 1 | $ 300,000 | $ 300,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 823 | $138,811,000 | $168,000 | $2,000,000 | $79,000 | $1,500,000 |
| Home Purchase (one-to-four family) | 166 | $41,554,000 | $250,000 | $1,127,000 | $108,000 | $625,000 |
| Home Improvement (one-to-four family) | 10 | $1,070,000 | $107,000 | $750,000 | $551,000 | $9,243,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 922 | $166,286,000 | $180,000 | $2,000,000 | $103,000 | $9,243,000 |
| Other | 36 | $7,124,000 | $197,000 | $312,000 | $45,000 | $100,000 |
| Information not provided by applicant in mail or telephone application | 27 | $5,508,000 | $204,000 | $450,000 | $196,000 | $463,000 |
| Black | 8 | $1,337,000 | $167,000 | $335,000 | $73,000 | $122,000 |
| Hispanic | 4 | $976,000 | $244,000 | $380,000 | $162,000 | $354,000 |
| American Indian or Alaskan Native | 1 | $32,000 | $32,000 | $32,000 | $91,000 | $91,000 |
| Asian or Pacific Islander | 1 | $172,000 | $172,000 | $172,000 | $62,000 | $62,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 999 | $181,435,000 | $181,000 | $2,000,000 | $104,000 | $9,243,000 |
| 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 Originated | 906 | $162,028,000 | $178,000 | $2,000,000 | $114,000 | $9,243,000 |
| Application Approved But Not Accepted | 46 | $10,485,000 | $227,000 | $1,100,000 | $150,000 | $519,000 |
| Application Denied By Financial Institution | 30 | $5,510,000 | $183,000 | $298,000 | $59,000 | $118,000 |
| Application Withdrawn By Applicant | 17 | $3,412,000 | $200,000 | $323,000 | $122,000 | $463,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 14 | $2,641,000 | $188,000 | $298,000 | $74,000 | $118,000 |
| Debt-To-Income Ratio | 5 | $703,000 | $140,000 | $225,000 | $52,000 | $102,000 |
| Collateral | 5 | $910,000 | $182,000 | $275,000 | $50,000 | $73,000 |
| Credit Application Incomplete | 2 | $458,000 | $229,000 | $233,000 | $56,000 | $59,000 |
| Other | 2 | $432,000 | $216,000 | $252,000 | $30,000 | $47,000 |
| Employment History | 1 | $90,000 | $90,000 | $90,000 | $61,000 | $61,000 |
| Mortgage Insurance Denied | 1 | $276,000 | $276,000 | $276,000 | $57,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cape & Coast Bank's 2003 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 Cape & Coast 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.
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