Cape & Coast Bank Mortgage Lending & HMDA Data, 2015
In 2015, Cape & Coast Bank of Yarmouth Port, MA reported 826 mortgage applications totaling $240.5 million, up 16% from 2014. The average application was for $291,203, and applicants reported an average income of $153,704. 80% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Barnstable Town, MA (774), Boston, MA (32) and Cambridge-Newton-Framingham, MA (4) (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 | 826 |
| Total Mortgage Loan Application Amount | $240,534,000 |
| Average Mortgage Loan Application Amount | $291,203 |
| Highest Mortgage Loan Application Amount | $1,440,000 |
| Average Applicant Income | $153,704 |
| Highest Applicant Income | $4,420,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 774 | $ 222,393,000 | $ 287,329 | $ 152,000 |
| Plymouth, Massachusetts | 24 | $ 7,867,000 | $ 327,791 | $ 158,000 |
| Suffolk, Massachusetts | 6 | $ 1,956,000 | $ 326,000 | $ 167,000 |
| Middlesex, Massachusetts | 4 | $ 2,005,000 | $ 501,250 | $ 200,000 |
| Dukes, Massachusetts | 3 | $ 1,026,000 | $ 342,000 | $ 252,000 |
| Bristol, Massachusetts | 2 | $ 460,000 | $ 230,000 | $ 208,000 |
| Nantucket, Massachusetts | 2 | $ 2,336,000 | $ 1,168,000 | $ 791,000 |
| Norfolk, Massachusetts | 2 | $ 515,000 | $ 257,500 | $ 143,000 |
| Worcester, Massachusetts | 2 | $ 429,000 | $ 214,500 | $ 160,000 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2015
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 | 423 | $133,180,000 | $314,000 | $1,440,000 | $166,000 | $2,547,000 |
| Refinancing | 317 | $89,761,000 | $283,000 | $1,310,000 | $144,000 | $4,420,000 |
| Home Improvement | 86 | $17,593,000 | $204,000 | $1,026,000 | $129,000 | $1,102,000 |
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 | 686 | $200,300,000 | $291,000 | $1,440,000 | $152,000 | $2,547,000 |
| Not Provided | 107 | $30,340,000 | $283,000 | $900,000 | $176,000 | $4,420,000 |
| Hispanic | 17 | $4,224,000 | $248,000 | $450,000 | $147,000 | $651,000 |
| Black or African American | 7 | $2,053,000 | $293,000 | $466,000 | $102,000 | $219,000 |
| Asian | 4 | $846,000 | $211,000 | $300,000 | $128,000 | $162,000 |
| American Indian or Alaskan Native | 2 | $616,000 | $308,000 | $417,000 | $57,000 | $66,000 |
| Not applicable | 2 | $1,972,000 | $986,000 | $1,280,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 1 | $183,000 | $183,000 | $183,000 | $66,000 | $66,000 |
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) | 826 | $240,534,000 | $291,000 | $1,440,000 | $154,000 | $4,420,000 |
| 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 | 663 | $193,489,000 | $291,000 | $1,440,000 | $150,000 | $2,547,000 |
| Application Denied By Financial Institution | 66 | $20,462,000 | $310,000 | $1,229,000 | $125,000 | $535,000 |
| Application Withdrawn By Applicant | 54 | $15,916,000 | $294,000 | $1,310,000 | $228,000 | $4,420,000 |
| File Closed For Incompleteness | 24 | $7,049,000 | $293,000 | $740,000 | $212,000 | $1,641,000 |
| Application Approved But Not Accepted | 12 | $2,071,000 | $172,000 | $625,000 | $119,000 | $273,000 |
| Preapproval Denied by Financial Institution | 7 | $1,547,000 | $221,000 | $359,000 | $43,000 | $66,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 26 | $10,309,000 | $396,000 | $1,229,000 | $170,000 | $535,000 |
| Debt-To-Income Ratio | 22 | $5,501,000 | $250,000 | $445,000 | $60,000 | $155,000 |
| Other | 8 | $1,668,000 | $208,000 | $363,000 | $144,000 | $310,000 |
| Credit History | 8 | $2,087,000 | $260,000 | $447,000 | $97,000 | $198,000 |
| Unverifiable Information | 3 | $872,000 | $290,000 | $330,000 | $72,000 | $108,000 |
| Employment History | 3 | $668,000 | $222,000 | $285,000 | $56,000 | $66,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $709,000 | $354,000 | $405,000 | $234,000 | $240,000 |
| 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 Cape & Coast Bank's 2015 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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