Cape & Coast Bank Mortgage Lending & HMDA Data, 2009
In 2009, Cape & Coast Bank of Yarmouth Port, MA reported 907 mortgage applications totaling $240.3 million, up 15% from 2008. The average application was for $264,907, and applicants reported an average income of $152,208. 72% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Barnstable Town, MA (808), Boston-Quincy, MA (12) and Cambridge-Newton-Framingham, MA (2) (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 | 907 |
| Total Mortgage Loan Application Amount | $240,271,000 |
| Average Mortgage Loan Application Amount | $264,907 |
| Highest Mortgage Loan Application Amount | $2,116,000 |
| Average Applicant Income | $152,208 |
| Highest Applicant Income | $4,226,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 808 | $ 215,594,000 | $ 266,824 | $ 150,000 |
| Boston-Quincy, MA | 12 | $ 2,983,000 | $ 248,583 | $ 108,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 675,000 | $ 337,500 | $ 184,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2009
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 | 599 | $154,299,000 | $257,000 | $1,767,000 | $139,000 | $1,929,000 |
| Home Purchase | 263 | $76,161,000 | $289,000 | $2,116,000 | $189,000 | $4,226,000 |
| Home Improvement | 45 | $9,811,000 | $218,000 | $685,000 | $113,000 | $509,000 |
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 | 802 | $207,906,000 | $259,000 | $1,767,000 | $144,000 | $2,120,000 |
| Not Provided | 90 | $28,460,000 | $316,000 | $2,116,000 | $233,000 | $4,226,000 |
| Hispanic | 6 | $1,409,000 | $234,000 | $360,000 | $94,000 | $142,000 |
| American Indian or Alaskan Native | 4 | $1,242,000 | $310,000 | $400,000 | $85,000 | $107,000 |
| Asian | 3 | $683,000 | $227,000 | $243,000 | $63,000 | $98,000 |
| Black or African American | 2 | $571,000 | $285,000 | $286,000 | $155,000 | $157,000 |
| 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) | 907 | $240,271,000 | $264,000 | $2,116,000 | $152,000 | $4,226,000 |
| 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 | 656 | $174,011,000 | $265,000 | $2,116,000 | $157,000 | $2,120,000 |
| Application Withdrawn By Applicant | 95 | $26,149,000 | $275,000 | $1,260,000 | $176,000 | $4,226,000 |
| Preapproval Approved but not Accepted | 51 | $11,305,000 | $221,000 | $600,000 | $103,000 | $481,000 |
| Application Denied By Financial Institution | 49 | $14,492,000 | $295,000 | $995,000 | $137,000 | $493,000 |
| Application Approved But Not Accepted | 28 | $8,354,000 | $298,000 | $750,000 | $150,000 | $705,000 |
| Preapproval Denied by Financial Institution | 25 | $5,095,000 | $203,000 | $470,000 | $74,000 | $513,000 |
| File Closed For Incompleteness | 3 | $865,000 | $288,000 | $500,000 | $93,000 | $105,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 21 | $7,337,000 | $349,000 | $685,000 | $191,000 | $493,000 |
| Debt-To-Income Ratio | 17 | $3,175,000 | $186,000 | $417,000 | $67,000 | $170,000 |
| Other | 15 | $3,458,000 | $230,000 | $420,000 | $94,000 | $513,000 |
| Credit History | 8 | $2,184,000 | $273,000 | $364,000 | $71,000 | $133,000 |
| Unverifiable Information | 6 | $1,842,000 | $307,000 | $995,000 | $104,000 | $390,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,201,000 | $200,000 | $470,000 | $70,000 | $159,000 |
| Credit Application Incomplete | 1 | $390,000 | $390,000 | $390,000 | $358,000 | $358,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cape & Coast Bank's 2009 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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