Cape & Coast Bank Mortgage Lending & HMDA Data, 2005
In 2005, Cape & Coast Bank of Yarmouth Port, MA reported 510 mortgage applications totaling $132.5 million, down 5% from 2004. The average application was for $259,766, and applicants reported an average income of $76,709. 66% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Barnstable Town, MA (407) and Boston-Quincy, MA (6).
| 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 | 510 |
| Total Mortgage Loan Application Amount | $132,481,000 |
| Average Mortgage Loan Application Amount | $259,766 |
| Highest Mortgage Loan Application Amount | $6,000,000 |
| Average Applicant Income | $76,709 |
| Highest Applicant Income | $4,056,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Barnstable Town, MA | 407 | $ 108,193,000 | $ 265,830 | $ 83,000 |
| Boston-Quincy, MA | 6 | $ 1,134,000 | $ 189,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2005
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 | 277 | $72,509,000 | $256,000 | $1,160,000 | $69,500 | $831,000 |
| Refinancing | 150 | $44,287,000 | $295,000 | $6,000,000 | $76,000 | $4,056,000 |
| Home Improvement | 83 | $15,685,000 | $188,000 | $1,400,000 | $79,000 | $1,145,000 |
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 | 435 | $114,117,000 | $253,000 | $6,000,000 | $65,500 | $4,056,000 |
| Not Provided | 43 | $11,680,000 | $270,000 | $910,000 | $71,000 | $349,000 |
| Hispanic | 16 | $2,914,000 | $181,500 | $315,000 | $72,000 | $558,000 |
| Black or African American | 12 | $2,741,000 | $226,000 | $470,000 | $54,500 | $127,000 |
| American Indian or Alaskan Native | 2 | $493,000 | $246,500 | $449,000 | $67,000 | $111,000 |
| Asian | 1 | $224,000 | $224,000 | $224,000 | $0 | $0 |
| Not applicable | 1 | $312,000 | $312,000 | $312,000 | $0 | $0 |
| 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) | 510 | $132,481,000 | $252,000 | $6,000,000 | $65,500 | $4,056,000 |
| 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 | 339 | $93,296,000 | $275,000 | $6,000,000 | $88,000 | $4,056,000 |
| Preapproval Approved but not Accepted | 72 | $17,141,000 | $238,000 | $700,000 | $60,000 | $252,000 |
| Application Denied By Financial Institution | 35 | $7,578,000 | $216,000 | $425,000 | $76,000 | $240,000 |
| Preapproval Denied by Financial Institution | 22 | $5,467,000 | $248,000 | $1,160,000 | $42,000 | $194,000 |
| Application Approved But Not Accepted | 22 | $4,758,000 | $216,000 | $544,000 | $89,000 | $194,000 |
| Application Withdrawn By Applicant | 19 | $3,849,000 | $202,000 | $360,000 | $78,000 | $223,000 |
| File Closed For Incompleteness | 1 | $392,000 | $392,000 | $392,000 | $92,000 | $92,000 |
| Loan Purchased By The 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 | 19 | $5,017,000 | $289,000 | $1,160,000 | $56,500 | $194,000 |
| Credit History | 15 | $2,497,000 | $164,500 | $359,000 | $74,000 | $240,000 |
| Other | 8 | $1,769,000 | $219,000 | $365,000 | $43,500 | $211,000 |
| Credit Application Incomplete | 7 | $1,920,000 | $271,500 | $425,000 | $64,000 | $143,000 |
| Collateral | 4 | $1,083,000 | $270,000 | $420,000 | $102,000 | $170,000 |
| Employment History | 3 | $509,000 | $179,500 | $210,000 | $27,500 | $31,000 |
| Mortgage Insurance Denied | 1 | $250,000 | $250,000 | $250,000 | $56,000 | $56,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cape & Coast Bank's 2005 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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