Cape & Coast Bank Mortgage Lending & HMDA Data, 2013
In 2013, Cape & Coast Bank of Yarmouth Port, MA reported 828 mortgage applications totaling $215.0 million, down 28% from 2012. The average application was for $259,689, and applicants reported an average income of $146,301. 82% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Barnstable Town, MA (773), Boston-Quincy, MA (25) 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 | 828 |
| Total Mortgage Loan Application Amount | $215,023,000 |
| Average Mortgage Loan Application Amount | $259,689 |
| Highest Mortgage Loan Application Amount | $1,400,000 |
| Average Applicant Income | $146,301 |
| Highest Applicant Income | $3,035,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 773 | $ 198,977,000 | $ 257,408 | $ 143,000 |
| Boston-Quincy, MA | 25 | $ 7,107,000 | $ 284,280 | $ 194,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 613,000 | $ 306,500 | $ 187,000 |
| Worcester, MA | 2 | $ 264,000 | $ 132,000 | $ 161,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 190,000 | $ 190,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2013
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 | 396 | $104,764,000 | $264,000 | $1,155,000 | $152,000 | $3,035,000 |
| Home Purchase | 338 | $94,870,000 | $280,000 | $1,400,000 | $150,000 | $945,000 |
| Home Improvement | 94 | $15,389,000 | $163,000 | $1,200,000 | $109,000 | $409,000 |
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 | 696 | $181,662,000 | $261,000 | $1,400,000 | $140,000 | $1,720,000 |
| Not Provided | 105 | $26,823,000 | $255,000 | $1,000,000 | $197,000 | $3,035,000 |
| Asian | 10 | $2,317,000 | $231,000 | $353,000 | $90,000 | $157,000 |
| Hispanic | 10 | $1,691,000 | $169,000 | $293,000 | $104,000 | $237,000 |
| Black or African American | 4 | $984,000 | $246,000 | $417,000 | $156,000 | $273,000 |
| Not applicable | 2 | $1,265,000 | $632,000 | $675,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $281,000 | $281,000 | $281,000 | $115,000 | $115,000 |
| 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) | 828 | $215,023,000 | $259,000 | $1,400,000 | $146,000 | $3,035,000 |
| 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 | 681 | $178,170,000 | $261,000 | $1,400,000 | $147,000 | $3,035,000 |
| Application Denied By Financial Institution | 49 | $13,291,000 | $271,000 | $1,200,000 | $132,000 | $1,720,000 |
| Application Withdrawn By Applicant | 33 | $8,405,000 | $254,000 | $788,000 | $165,000 | $535,000 |
| File Closed For Incompleteness | 28 | $6,435,000 | $229,000 | $417,000 | $169,000 | $680,000 |
| Application Approved But Not Accepted | 19 | $4,709,000 | $247,000 | $560,000 | $193,000 | $945,000 |
| Preapproval Denied by Financial Institution | 18 | $4,013,000 | $222,000 | $480,000 | $51,000 | $183,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 22 | $4,575,000 | $207,000 | $700,000 | $45,000 | $190,000 |
| Collateral | 22 | $6,329,000 | $287,000 | $561,000 | $121,000 | $292,000 |
| Credit History | 19 | $3,653,000 | $192,000 | $480,000 | $74,000 | $183,000 |
| Other | 1 | $1,200,000 | $1,200,000 | $1,200,000 | $363,000 | $363,000 |
| Unverifiable Information | 1 | $420,000 | $420,000 | $420,000 | $1,720,000 | $1,720,000 |
| Employment History | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $183,000 | $183,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $127,000 | $127,000 | $127,000 | $65,000 | $65,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cape & Coast Bank's 2013 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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