Cape & Coast Bank Mortgage Lending & HMDA Data, 2006
In 2006, Cape & Coast Bank of Yarmouth Port, MA reported 342 mortgage applications totaling $88.4 million, down 33% from 2005. The average application was for $258,596, and applicants reported an average income of $131,877. 75% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Barnstable Town, MA (296) and Boston-Quincy, MA (5).
| 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 | 342 |
| Total Mortgage Loan Application Amount | $88,440,000 |
| Average Mortgage Loan Application Amount | $258,596 |
| Highest Mortgage Loan Application Amount | $5,200,000 |
| Average Applicant Income | $131,877 |
| Highest Applicant Income | $4,602,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 296 | $ 72,206,000 | $ 243,939 | $ 138,000 |
| Boston-Quincy, MA | 5 | $ 1,219,000 | $ 243,800 | $ 73,000 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2006
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 | 136 | $38,516,000 | $283,000 | $5,200,000 | $152,000 | $4,602,000 |
| Home Purchase | 134 | $37,887,000 | $282,000 | $1,160,000 | $113,000 | $744,000 |
| Home Improvement | 72 | $12,037,000 | $167,000 | $1,500,000 | $129,000 | $2,500,000 |
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 | 307 | $77,621,000 | $252,000 | $5,200,000 | $125,000 | $4,602,000 |
| Not Provided | 25 | $8,366,000 | $334,000 | $1,500,000 | $233,000 | $2,500,000 |
| Hispanic | 5 | $868,000 | $173,000 | $357,000 | $69,000 | $120,000 |
| Black or African American | 3 | $885,000 | $295,000 | $538,000 | $54,000 | $125,000 |
| Asian | 2 | $700,000 | $350,000 | $450,000 | $179,000 | $220,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 342 | $88,440,000 | $258,000 | $5,200,000 | $132,000 | $4,602,000 |
| 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 | 257 | $62,449,000 | $242,000 | $2,349,000 | $138,000 | $4,602,000 |
| Preapproval Approved but not Accepted | 31 | $7,608,000 | $245,000 | $970,000 | $73,000 | $222,000 |
| Application Approved But Not Accepted | 21 | $6,782,000 | $322,000 | $1,206,000 | $172,000 | $1,085,000 |
| Application Denied By Financial Institution | 15 | $7,183,000 | $478,000 | $5,200,000 | $145,000 | $1,221,000 |
| Application Withdrawn By Applicant | 10 | $2,791,000 | $279,000 | $1,160,000 | $129,000 | $744,000 |
| Preapproval Denied by Financial Institution | 7 | $1,442,000 | $206,000 | $338,000 | $46,000 | $72,000 |
| File Closed For Incompleteness | 1 | $185,000 | $185,000 | $185,000 | $96,000 | $96,000 |
| 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 | 11 | $1,822,000 | $165,000 | $338,000 | $49,000 | $97,000 |
| Other | 3 | $5,525,000 | $1,841,000 | $5,200,000 | $450,000 | $1,221,000 |
| Employment History | 2 | $302,000 | $151,000 | $151,000 | $39,000 | $48,000 |
| Credit Application Incomplete | 2 | $319,000 | $159,000 | $250,000 | $125,000 | $220,000 |
| Credit History | 2 | $282,000 | $141,000 | $157,000 | $44,000 | $54,000 |
| Collateral | 1 | $65,000 | $65,000 | $65,000 | $113,000 | $113,000 |
| Mortgage Insurance Denied | 1 | $310,000 | $310,000 | $310,000 | $72,000 | $72,000 |
| 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 2006 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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