Cape & Coast Bank Mortgage Lending & HMDA Data, 2019
In 2019, Cape & Coast Bank of Yarmouth Port, MA reported 566 mortgage applications totaling $172.3 million, down 7% from 2018. The average application was for $304,469, and applicants reported an average income of $144,515. 80% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Barnstable Town, MA (515), Boston, MA (36) 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 | 566 |
| Total Mortgage Loan Application Amount | $172,330,000 |
| Average Mortgage Loan Application Amount | $304,469 |
| Highest Mortgage Loan Application Amount | $3,045,000 |
| Average Applicant Income | $144,515 |
| Highest Applicant Income | $1,152,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 515 | $ 156,535,000 | $ 303,951 | $ 145,000 |
| Boston, MA | 36 | $ 10,330,000 | $ 286,944 | $ 134,000 |
| Cambridge-Newton-Framingham, MA | 2 | $ 1,280,000 | $ 640,000 | $ 277,000 |
| Outside any metro area | 2 | $ 670,000 | $ 335,000 | $ 279,000 |
| Providence-Warwick, RI-MA | 1 | $ 285,000 | $ 285,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2019
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 | 227 | $79,265,000 | $349,000 | $1,825,000 | $147,000 | $1,152,000 |
| Refinancing | 152 | $48,910,000 | $321,000 | $3,045,000 | $152,000 | $737,000 |
| Cash-out Refinancing | 140 | $39,440,000 | $281,000 | $1,005,000 | $138,000 | $1,035,000 |
| Home Improvement | 24 | $2,200,000 | $91,000 | $255,000 | $138,000 | $664,000 |
| Other Purpose | 23 | $2,515,000 | $109,000 | $415,000 | $117,000 | $374,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 506 | $155,080,000 | $306,000 | $3,045,000 | $145,000 | $1,152,000 |
| Not Provided | 34 | $9,410,000 | $276,000 | $445,000 | $154,000 | $531,000 |
| Black or African American | 9 | $3,295,000 | $366,000 | $815,000 | $127,000 | $437,000 |
| Not applicable | 7 | $1,725,000 | $246,000 | $405,000 | $0 | $0 |
| Asian | 5 | $1,085,000 | $217,000 | $515,000 | $89,000 | $228,000 |
| Hispanic | 4 | $1,350,000 | $337,000 | $445,000 | $116,000 | $185,000 |
| American Indian or Alaskan Native | 1 | $385,000 | $385,000 | $385,000 | $99,000 | $99,000 |
| 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) | 546 | $165,870,000 | $303,000 | $3,045,000 | $147,000 | $1,152,000 |
| FHA-insured (Federal Housing Administration) | 13 | $4,005,000 | $308,000 | $385,000 | $73,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 7 | $2,455,000 | $350,000 | $415,000 | $99,000 | $157,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 455 | $135,045,000 | $296,000 | $1,825,000 | $151,000 | $1,152,000 |
| Application Withdrawn By Applicant | 49 | $17,595,000 | $359,000 | $3,045,000 | $125,000 | $700,000 |
| Application Denied By Financial Institution | 31 | $10,765,000 | $347,000 | $1,065,000 | $111,000 | $441,000 |
| Application Approved But Not Accepted | 17 | $4,055,000 | $238,000 | $415,000 | $103,000 | $246,000 |
| Preapproval Approved but not Accepted | 7 | $2,395,000 | $342,000 | $805,000 | $126,000 | $302,000 |
| File Closed For Incompleteness | 4 | $1,640,000 | $410,000 | $885,000 | $109,000 | $191,000 |
| Preapproval Denied by Financial Institution | 3 | $835,000 | $278,000 | $335,000 | $76,000 | $110,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 532 | $160,730,000 | $302,000 | $3,045,000 | $147,000 | $1,152,000 |
| Debt-To-Income Ratio | 16 | $4,620,000 | $288,000 | $575,000 | $84,000 | $215,000 |
| Collateral | 8 | $3,240,000 | $405,000 | $1,005,000 | $135,000 | $343,000 |
| Credit History | 4 | $1,920,000 | $480,000 | $1,065,000 | $165,000 | $441,000 |
| Other | 3 | $1,135,000 | $378,000 | $595,000 | $107,000 | $162,000 |
| Unverifiable Information | 2 | $370,000 | $185,000 | $215,000 | $68,000 | $111,000 |
| Employment History | 1 | $315,000 | $315,000 | $315,000 | $122,000 | $122,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2019 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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