Cape & Coast Bank Mortgage Lending & HMDA Data, 2011
In 2011, Cape & Coast Bank of Yarmouth Port, MA reported 814 mortgage applications totaling $198.9 million, up 15% from 2010. The average application was for $244,294, and applicants reported an average income of $129,000. 83% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Barnstable Town, MA (767), Boston-Quincy, MA (20) and Providence-New Bedford-Fall River, RI-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 | 814 |
| Total Mortgage Loan Application Amount | $198,856,000 |
| Average Mortgage Loan Application Amount | $244,294 |
| Highest Mortgage Loan Application Amount | $1,700,000 |
| Average Applicant Income | $129,000 |
| Highest Applicant Income | $3,761,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 767 | $ 184,700,000 | $ 240,808 | $ 125,000 |
| Boston-Quincy, MA | 20 | $ 6,157,000 | $ 307,850 | $ 325,000 |
| Providence-New Bedford-Fall River, RI-MA | 2 | $ 285,000 | $ 142,500 | $ 74,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 150,000 | $ 150,000 | $ 77,000 |
| Worcester, MA | 1 | $ 160,000 | $ 160,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2011
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 | 452 | $109,676,000 | $242,000 | $1,700,000 | $119,000 | $940,000 |
| Home Purchase | 324 | $81,730,000 | $252,000 | $1,200,000 | $146,000 | $3,761,000 |
| Home Improvement | 38 | $7,450,000 | $196,000 | $1,470,000 | $103,000 | $468,000 |
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 | 731 | $179,038,000 | $244,000 | $1,700,000 | $127,000 | $3,761,000 |
| Not Provided | 59 | $13,604,000 | $230,000 | $1,200,000 | $152,000 | $1,376,000 |
| Hispanic | 13 | $3,247,000 | $249,000 | $477,000 | $139,000 | $775,000 |
| Black or African American | 6 | $2,059,000 | $343,000 | $645,000 | $175,000 | $394,000 |
| Asian | 5 | $908,000 | $181,000 | $378,000 | $125,000 | $188,000 |
| 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) | 814 | $198,856,000 | $244,000 | $1,700,000 | $129,000 | $3,761,000 |
| 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 | 675 | $164,770,000 | $244,000 | $1,700,000 | $134,000 | $3,761,000 |
| Application Withdrawn By Applicant | 55 | $14,153,000 | $257,000 | $900,000 | $106,000 | $342,000 |
| Application Denied By Financial Institution | 42 | $9,648,000 | $229,000 | $515,000 | $93,000 | $453,000 |
| Preapproval Denied by Financial Institution | 16 | $3,416,000 | $213,000 | $417,000 | $53,000 | $167,000 |
| Application Approved But Not Accepted | 13 | $2,862,000 | $220,000 | $610,000 | $156,000 | $497,000 |
| File Closed For Incompleteness | 13 | $4,007,000 | $308,000 | $1,000,000 | $155,000 | $387,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 21 | $3,980,000 | $189,000 | $417,000 | $71,000 | $188,000 |
| Debt-To-Income Ratio | 19 | $4,138,000 | $217,000 | $415,000 | $56,000 | $136,000 |
| Collateral | 12 | $3,544,000 | $295,000 | $515,000 | $145,000 | $453,000 |
| Other | 2 | $490,000 | $245,000 | $265,000 | $71,000 | $86,000 |
| Unverifiable Information | 1 | $200,000 | $200,000 | $200,000 | $43,000 | $43,000 |
| Credit Application Incomplete | 1 | $112,000 | $112,000 | $112,000 | $71,000 | $71,000 |
| 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cape & Coast Bank's 2011 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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