Cape & Coast Bank Mortgage Lending & HMDA Data, 2021
In 2021, Cape & Coast Bank of Yarmouth Port, MA reported 867 mortgage applications totaling $355.7 million, up 2% from 2020. The average application was for $410,236, and applicants reported an average income of $181,196. 90% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Barnstable Town, MA (766), Boston, MA (65) and Providence-Warwick, RI-MA (20) (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 | 867 |
| Total Mortgage Loan Application Amount | $355,675,000 |
| Average Mortgage Loan Application Amount | $410,236 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $181,196 |
| Highest Applicant Income | $3,215,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 766 | $ 303,360,000 | $ 396,031 | $ 171,000 |
| Boston, MA | 65 | $ 34,675,000 | $ 533,461 | $ 258,000 |
| Providence-Warwick, RI-MA | 20 | $ 8,890,000 | $ 444,500 | $ 223,000 |
| Cambridge-Newton-Framingham, MA | 7 | $ 3,975,000 | $ 567,857 | $ 200,000 |
| Outside any metro area | 5 | $ 3,365,000 | $ 673,000 | $ 500,000 |
| Worcester, MA-CT | 2 | $ 810,000 | $ 405,000 | $ 157,000 |
| Pittsfield, MA | 1 | $ 285,000 | $ 285,000 | $ 87,000 |
| Springfield, MA | 1 | $ 315,000 | $ 315,000 | $ 132,000 |
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2021
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 | 347 | $114,325,000 | $329,000 | $2,905,000 | $152,000 | $1,012,000 |
| Cash-out Refinancing | 285 | $108,825,000 | $381,000 | $5,605,000 | $169,000 | $2,383,000 |
| Home Purchase | 229 | $131,165,000 | $572,000 | $6,005,000 | $241,000 | $3,215,000 |
| Home Improvement | 3 | $645,000 | $215,000 | $505,000 | $122,000 | $160,000 |
| Other Purpose | 3 | $715,000 | $238,000 | $305,000 | $211,000 | $471,000 |
| 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 | 711 | $279,735,000 | $393,000 | $5,005,000 | $175,000 | $2,383,000 |
| Not Provided | 111 | $56,225,000 | $506,000 | $6,005,000 | $231,000 | $3,215,000 |
| Hispanic | 14 | $6,090,000 | $435,000 | $1,605,000 | $195,000 | $619,000 |
| Asian | 12 | $6,420,000 | $535,000 | $985,000 | $159,000 | $260,000 |
| Black or African American | 11 | $3,525,000 | $320,000 | $545,000 | $121,000 | $397,000 |
| Not applicable | 4 | $2,630,000 | $657,000 | $1,445,000 | $0 | $0 |
| American Indian or Alaskan Native | 3 | $915,000 | $305,000 | $385,000 | $106,000 | $133,000 |
| 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) | 867 | $355,675,000 | $410,000 | $6,005,000 | $181,000 | $3,215,000 |
| 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 | 777 | $318,035,000 | $409,000 | $6,005,000 | $184,000 | $3,215,000 |
| Application Withdrawn By Applicant | 43 | $17,925,000 | $416,000 | $1,605,000 | $174,000 | $1,070,000 |
| Application Approved But Not Accepted | 22 | $8,720,000 | $396,000 | $1,185,000 | $141,000 | $447,000 |
| Application Denied By Financial Institution | 14 | $6,350,000 | $453,000 | $1,675,000 | $139,000 | $461,000 |
| File Closed For Incompleteness | 11 | $4,645,000 | $422,000 | $2,005,000 | $130,000 | $577,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 853 | $349,325,000 | $409,000 | $6,005,000 | $182,000 | $3,215,000 |
| Debt-To-Income Ratio | 4 | $1,340,000 | $335,000 | $775,000 | $46,000 | $86,000 |
| Other | 3 | $815,000 | $271,000 | $365,000 | $137,000 | $244,000 |
| Credit History | 3 | $1,475,000 | $491,000 | $565,000 | $150,000 | $176,000 |
| Unverifiable Information | 2 | $1,780,000 | $890,000 | $1,675,000 | $278,000 | $461,000 |
| Collateral | 2 | $940,000 | $470,000 | $575,000 | $172,000 | $181,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2021 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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