Cape & Coast Bank Mortgage Lending & HMDA Data, 2010
In 2010, Cape & Coast Bank of Yarmouth Port, MA reported 705 mortgage applications totaling $177.1 million, down 22% from 2009. The average application was for $251,202, and applicants reported an average income of $129,812. 83% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Barnstable Town, MA (668), Boston-Quincy, MA (17) and Providence-New Bedford-Fall River, RI-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 | 705 |
| Total Mortgage Loan Application Amount | $177,098,000 |
| Average Mortgage Loan Application Amount | $251,202 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $129,812 |
| Highest Applicant Income | $934,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 668 | $ 167,353,000 | $ 250,528 | $ 131,000 |
| Plymouth, Massachusetts | 13 | $ 3,097,000 | $ 238,230 | $ 88,000 |
| Dukes, Massachusetts | 4 | $ 1,876,000 | $ 469,000 | $ 148,000 |
| Norfolk, Massachusetts | 3 | $ 1,030,000 | $ 343,333 | $ 144,000 |
| Bristol, Massachusetts | 1 | $ 195,000 | $ 195,000 | $ 93,000 |
| Suffolk, Massachusetts | 1 | $ 350,000 | $ 350,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2010
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 | 424 | $107,380,000 | $253,000 | $3,000,000 | $120,000 | $740,000 |
| Home Purchase | 254 | $66,300,000 | $261,000 | $1,000,000 | $150,000 | $934,000 |
| Home Improvement | 27 | $3,418,000 | $126,000 | $460,000 | $94,000 | $239,000 |
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 | 633 | $159,028,000 | $251,000 | $3,000,000 | $126,000 | $934,000 |
| Not Provided | 60 | $15,690,000 | $261,000 | $1,000,000 | $169,000 | $808,000 |
| Hispanic | 8 | $1,350,000 | $168,000 | $463,000 | $94,000 | $286,000 |
| Asian | 2 | $536,000 | $268,000 | $336,000 | $270,000 | $502,000 |
| Black or African American | 1 | $210,000 | $210,000 | $210,000 | $83,000 | $83,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $284,000 | $284,000 | $284,000 | $95,000 | $95,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 705 | $177,098,000 | $251,000 | $3,000,000 | $130,000 | $934,000 |
| 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 | 585 | $146,377,000 | $250,000 | $3,000,000 | $130,000 | $934,000 |
| Application Denied By Financial Institution | 42 | $11,734,000 | $279,000 | $1,000,000 | $103,000 | $433,000 |
| Application Approved But Not Accepted | 26 | $5,594,000 | $215,000 | $690,000 | $163,000 | $514,000 |
| Application Withdrawn By Applicant | 22 | $6,385,000 | $290,000 | $1,100,000 | $147,000 | $438,000 |
| File Closed For Incompleteness | 15 | $3,811,000 | $254,000 | $650,000 | $138,000 | $268,000 |
| Preapproval Denied by Financial Institution | 15 | $3,197,000 | $213,000 | $378,000 | $114,000 | $552,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 20 | $4,544,000 | $227,000 | $733,000 | $53,000 | $122,000 |
| Other | 12 | $2,548,000 | $212,000 | $417,000 | $79,000 | $275,000 |
| Credit History | 10 | $2,176,000 | $217,000 | $460,000 | $112,000 | $227,000 |
| Collateral | 9 | $4,036,000 | $448,000 | $1,000,000 | $198,000 | $433,000 |
| Credit Application Incomplete | 3 | $799,000 | $266,000 | $309,000 | $302,000 | $552,000 |
| Employment History | 1 | $200,000 | $200,000 | $200,000 | $81,000 | $81,000 |
| Mortgage Insurance Denied | 1 | $378,000 | $378,000 | $378,000 | $74,000 | $74,000 |
| Unverifiable Information | 1 | $250,000 | $250,000 | $250,000 | $68,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cape & Coast Bank's 2010 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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