Cape & Coast Bank Mortgage Lending & HMDA Data, 2014
In 2014, Cape & Coast Bank of Yarmouth Port, MA reported 711 mortgage applications totaling $202.9 million, down 14% from 2013. The average application was for $285,317, and applicants reported an average income of $143,943. 82% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Barnstable Town, MA (653), Boston, MA (21) and Cambridge-Newton-Framingham, MA (11) (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 | 711 |
| Total Mortgage Loan Application Amount | $202,861,000 |
| Average Mortgage Loan Application Amount | $285,317 |
| Highest Mortgage Loan Application Amount | $3,300,000 |
| Average Applicant Income | $143,943 |
| Highest Applicant Income | $2,358,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 653 | $ 183,982,000 | $ 281,748 | $ 145,000 |
| Plymouth, Massachusetts | 12 | $ 3,342,000 | $ 278,500 | $ 219,000 |
| Middlesex, Massachusetts | 9 | $ 2,692,000 | $ 299,111 | $ 140,000 |
| Norfolk, Massachusetts | 7 | $ 3,908,000 | $ 558,285 | $ 165,000 |
| Bristol, Massachusetts | 2 | $ 900,000 | $ 450,000 | $ 169,000 |
| Dukes, Massachusetts | 2 | $ 1,862,000 | $ 931,000 | $ 123,000 |
| Essex, Massachusetts | 2 | $ 825,000 | $ 412,500 | $ 195,000 |
| Suffolk, Massachusetts | 2 | $ 696,000 | $ 348,000 | $ 171,000 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2014
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 | 438 | $130,628,000 | $298,000 | $3,000,000 | $154,000 | $2,358,000 |
| Refinancing | 208 | $60,558,000 | $291,000 | $3,300,000 | $134,000 | $1,272,000 |
| Home Improvement | 65 | $11,675,000 | $179,000 | $1,482,000 | $108,000 | $500,000 |
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 | 586 | $170,809,000 | $291,000 | $3,300,000 | $150,000 | $2,358,000 |
| Not Provided | 88 | $23,564,000 | $267,000 | $1,482,000 | $124,000 | $759,000 |
| Hispanic | 22 | $4,812,000 | $218,000 | $410,000 | $85,000 | $450,000 |
| Asian | 8 | $1,808,000 | $226,000 | $281,000 | $102,000 | $218,000 |
| Not applicable | 5 | $1,071,000 | $214,000 | $308,000 | $65,000 | $328,000 |
| Black or African American | 2 | $797,000 | $398,000 | $450,000 | $207,000 | $256,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 711 | $202,861,000 | $285,000 | $3,300,000 | $144,000 | $2,358,000 |
| 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 | 581 | $170,282,000 | $293,000 | $3,300,000 | $149,000 | $2,358,000 |
| Application Withdrawn By Applicant | 49 | $12,998,000 | $265,000 | $800,000 | $128,000 | $555,000 |
| Application Denied By Financial Institution | 25 | $6,682,000 | $267,000 | $858,000 | $94,000 | $228,000 |
| Preapproval Denied by Financial Institution | 22 | $4,654,000 | $211,000 | $400,000 | $52,000 | $142,000 |
| Application Approved But Not Accepted | 17 | $4,958,000 | $291,000 | $975,000 | $158,000 | $672,000 |
| File Closed For Incompleteness | 17 | $3,287,000 | $193,000 | $500,000 | $204,000 | $1,272,000 |
| 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 | 17 | $4,892,000 | $287,000 | $858,000 | $63,000 | $196,000 |
| Collateral | 14 | $3,729,000 | $266,000 | $798,000 | $102,000 | $228,000 |
| Credit History | 10 | $1,885,000 | $188,000 | $385,000 | $75,000 | $142,000 |
| Employment History | 3 | $328,000 | $109,000 | $143,000 | $37,000 | $80,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $250,000 | $125,000 | $135,000 | $47,000 | $65,000 |
| Other | 1 | $252,000 | $252,000 | $252,000 | $60,000 | $60,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cape & Coast Bank's 2014 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About