Cape & Coast Bank Mortgage Lending & HMDA Data, 2020
In 2020, Cape & Coast Bank of Yarmouth Port, MA reported 854 mortgage applications totaling $290.3 million, up 51% from 2019. The average application was for $339,929, and applicants reported an average income of $162,652. 85% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Barnstable Town, MA (780), Boston, MA (40) and Providence-Warwick, RI-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 | 854 |
| Total Mortgage Loan Application Amount | $290,300,000 |
| Average Mortgage Loan Application Amount | $339,929 |
| Highest Mortgage Loan Application Amount | $3,235,000 |
| Average Applicant Income | $162,652 |
| Highest Applicant Income | $2,445,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 780 | $ 259,070,000 | $ 332,141 | $ 156,000 |
| Plymouth, Massachusetts | 28 | $ 10,480,000 | $ 374,285 | $ 136,000 |
| Norfolk, Massachusetts | 11 | $ 5,445,000 | $ 495,000 | $ 516,000 |
| Bristol, Massachusetts | 10 | $ 3,360,000 | $ 336,000 | $ 136,000 |
| Middlesex, Massachusetts | 8 | $ 2,790,000 | $ 348,750 | $ 211,000 |
| Dukes, Massachusetts | 6 | $ 3,330,000 | $ 555,000 | $ 160,000 |
| Nantucket, Massachusetts | 5 | $ 4,245,000 | $ 849,000 | $ 594,000 |
| Worcester, Massachusetts | 4 | $ 1,160,000 | $ 290,000 | $ 121,000 |
| Suffolk, Massachusetts | 1 | $ 295,000 | $ 295,000 | $ 95,000 |
| Washington, Rhode Island | 1 | $ 125,000 | $ 125,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2020
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 | 361 | $107,835,000 | $298,000 | $1,005,000 | $146,000 | $1,583,000 |
| Cash-out Refinancing | 259 | $82,305,000 | $317,000 | $2,505,000 | $152,000 | $2,383,000 |
| Home Purchase | 197 | $94,935,000 | $481,000 | $3,235,000 | $213,000 | $2,445,000 |
| Home Improvement | 20 | $2,900,000 | $145,000 | $515,000 | $116,000 | $300,000 |
| Other Purpose | 17 | $2,325,000 | $136,000 | $515,000 | $150,000 | $501,000 |
| Not Applicable | 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 | 747 | $252,565,000 | $338,000 | $2,705,000 | $164,000 | $2,445,000 |
| Not Provided | 57 | $17,735,000 | $311,000 | $1,205,000 | $156,000 | $792,000 |
| Black or African American | 14 | $3,520,000 | $251,000 | $405,000 | $109,000 | $290,000 |
| Asian | 13 | $4,775,000 | $367,000 | $1,375,000 | $201,000 | $807,000 |
| Hispanic | 11 | $3,145,000 | $285,000 | $385,000 | $80,000 | $161,000 |
| Not applicable | 10 | $8,040,000 | $804,000 | $3,235,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $520,000 | $260,000 | $275,000 | $116,000 | $159,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 852 | $289,690,000 | $340,000 | $3,235,000 | $162,000 | $2,445,000 |
| FHA-insured (Federal Housing Administration) | 2 | $610,000 | $305,000 | $395,000 | $88,000 | $121,000 |
| 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 | 730 | $245,030,000 | $335,000 | $3,235,000 | $162,000 | $2,445,000 |
| Application Withdrawn By Applicant | 82 | $29,980,000 | $365,000 | $1,505,000 | $176,000 | $1,154,000 |
| Application Denied By Financial Institution | 20 | $8,020,000 | $401,000 | $2,505,000 | $142,000 | $487,000 |
| Application Approved But Not Accepted | 15 | $4,085,000 | $272,000 | $565,000 | $118,000 | $229,000 |
| File Closed For Incompleteness | 7 | $3,185,000 | $455,000 | $795,000 | $167,000 | $439,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 854 | $290,300,000 | $339,000 | $3,235,000 | $162,000 | $2,445,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cape & Coast Bank's 2020 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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