Cape & Coast Bank Mortgage Lending & HMDA Data, 2022
In 2022, Cape & Coast Bank of Yarmouth Port, MA reported 700 mortgage applications totaling $409.2 million, down 19% from 2021. The average application was for $584,614, and applicants reported an average income of $262,012. 76% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Barnstable Town, MA (475), Boston, MA (98) and Cambridge-Newton-Framingham, MA (64) (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 | 700 |
| Total Mortgage Loan Application Amount | $409,230,000 |
| Average Mortgage Loan Application Amount | $584,614 |
| Highest Mortgage Loan Application Amount | $7,205,000 |
| Average Applicant Income | $262,012 |
| Highest Applicant Income | $5,109,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 475 | $ 253,635,000 | $ 533,968 | $ 255,000 |
| Middlesex, Massachusetts | 54 | $ 43,250,000 | $ 800,925 | $ 285,000 |
| Plymouth, Massachusetts | 43 | $ 27,345,000 | $ 635,930 | $ 204,000 |
| Suffolk, Massachusetts | 29 | $ 21,835,000 | $ 752,931 | $ 369,000 |
| Norfolk, Massachusetts | 26 | $ 21,100,000 | $ 811,538 | $ 284,000 |
| Bristol, Massachusetts | 18 | $ 10,980,000 | $ 610,000 | $ 174,000 |
| Worcester, Massachusetts | 15 | $ 7,605,000 | $ 507,000 | $ 152,000 |
| Essex, Massachusetts | 10 | $ 6,070,000 | $ 607,000 | $ 109,000 |
| Providence, Rhode Island | 10 | $ 3,350,000 | $ 335,000 | $ 160,000 |
| Broward, Florida | 5 | $ 3,225,000 | $ 645,000 | $ 495,000 |
| Kent, Rhode Island | 4 | $ 850,000 | $ 212,500 | $ 0 |
| Washington, Rhode Island | 4 | $ 1,440,000 | $ 360,000 | $ 0 |
| Nantucket, Massachusetts | 3 | $ 6,245,000 | $ 2,081,666 | $ 1,608,000 |
| Monroe, Florida | 1 | $ 1,205,000 | $ 1,205,000 | $ 375,000 |
| Palm Beach, Florida | 1 | $ 365,000 | $ 365,000 | $ 214,000 |
| Sarasota, Florida | 1 | $ 225,000 | $ 225,000 | $ 177,000 |
| Bristol, Rhode Island | 1 | $ 505,000 | $ 505,000 | $ 0 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2022
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 | $288,495,000 | $682,000 | $7,205,000 | $302,000 | $5,109,000 |
| Cash-out Refinancing | 157 | $82,095,000 | $522,000 | $4,125,000 | $199,000 | $1,810,000 |
| Refinancing | 60 | $26,810,000 | $446,000 | $3,305,000 | $215,000 | $1,891,000 |
| Other Purpose | 30 | $8,450,000 | $281,000 | $3,005,000 | $245,000 | $1,595,000 |
| Home Improvement | 30 | $3,380,000 | $112,000 | $305,000 | $139,000 | $368,000 |
| 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 | 451 | $255,235,000 | $565,000 | $7,205,000 | $266,000 | $5,109,000 |
| Not Provided | 104 | $58,820,000 | $565,000 | $4,005,000 | $238,000 | $1,595,000 |
| Not applicable | 96 | $62,700,000 | $653,000 | $2,005,000 | $0 | $0 |
| Asian | 18 | $15,530,000 | $862,000 | $1,435,000 | $276,000 | $675,000 |
| Hispanic | 17 | $10,305,000 | $606,000 | $2,005,000 | $269,000 | $649,000 |
| Black or African American | 10 | $4,510,000 | $451,000 | $1,305,000 | $134,000 | $384,000 |
| American Indian or Alaskan Native | 2 | $820,000 | $410,000 | $655,000 | $84,000 | $115,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $305,000 | $305,000 | $305,000 | $127,000 | $127,000 |
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) | 700 | $409,230,000 | $584,000 | $7,205,000 | $258,000 | $5,109,000 |
| 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 | 532 | $296,150,000 | $556,000 | $7,205,000 | $258,000 | $5,109,000 |
| Loan Purchased By The Institution | 87 | $56,025,000 | $643,000 | $1,425,000 | $0 | $0 |
| Application Withdrawn By Applicant | 48 | $38,010,000 | $791,000 | $3,305,000 | $307,000 | $1,376,000 |
| Application Approved But Not Accepted | 14 | $6,150,000 | $439,000 | $1,005,000 | $157,000 | $359,000 |
| Application Denied By Financial Institution | 12 | $5,860,000 | $488,000 | $2,005,000 | $118,000 | $246,000 |
| File Closed For Incompleteness | 7 | $7,035,000 | $1,005,000 | $3,155,000 | $395,000 | $769,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 688 | $403,370,000 | $586,000 | $7,205,000 | $261,000 | $5,109,000 |
| Debt-To-Income Ratio | 7 | $2,405,000 | $343,000 | $655,000 | $115,000 | $246,000 |
| Credit History | 2 | $550,000 | $275,000 | $345,000 | $123,000 | $150,000 |
| Unverifiable Information | 1 | $445,000 | $445,000 | $445,000 | $59,000 | $59,000 |
| Collateral | 1 | $455,000 | $455,000 | $455,000 | $183,000 | $183,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $2,005,000 | $2,005,000 | $2,005,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cape & Coast Bank's 2022 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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