Cape & Coast Bank Mortgage Lending & HMDA Data, 2007
In 2007, Cape & Coast Bank of Yarmouth Port, MA reported 438 mortgage applications totaling $112.7 million, up 28% from 2006. The average application was for $257,317, and applicants reported an average income of $110,397. 74% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Barnstable Town, MA (365) and Boston-Quincy, MA (5).
| 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 | 438 |
| Total Mortgage Loan Application Amount | $112,705,000 |
| Average Mortgage Loan Application Amount | $257,317 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $110,397 |
| Highest Applicant Income | $1,028,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Cape & Coast Bank in 2007
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 | 212 | $63,260,000 | $298,000 | $2,000,000 | $128,000 | $1,028,000 |
| Refinancing | 163 | $41,127,000 | $252,000 | $1,770,000 | $95,000 | $617,000 |
| Home Improvement | 63 | $8,318,000 | $132,000 | $800,000 | $91,000 | $244,000 |
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 | 401 | $103,342,000 | $257,000 | $2,000,000 | $111,000 | $1,028,000 |
| Not Provided | 27 | $6,454,000 | $239,000 | $900,000 | $104,000 | $431,000 |
| Hispanic | 6 | $1,924,000 | $320,000 | $800,000 | $89,000 | $244,000 |
| Black or African American | 3 | $525,000 | $175,000 | $200,000 | $41,000 | $51,000 |
| Not applicable | 1 | $460,000 | $460,000 | $460,000 | $469,000 | $469,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 438 | $112,705,000 | $257,000 | $2,000,000 | $110,000 | $1,028,000 |
| 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 | 324 | $82,318,000 | $254,000 | $1,800,000 | $119,000 | $974,000 |
| Preapproval Approved but not Accepted | 60 | $15,427,000 | $257,000 | $638,000 | $98,000 | $1,028,000 |
| Application Denied By Financial Institution | 23 | $8,163,000 | $354,000 | $2,000,000 | $57,000 | $300,000 |
| Application Approved But Not Accepted | 15 | $2,379,000 | $158,000 | $341,000 | $74,000 | $306,000 |
| Application Withdrawn By Applicant | 9 | $2,009,000 | $223,000 | $375,000 | $75,000 | $125,000 |
| Preapproval Denied by Financial Institution | 7 | $2,409,000 | $344,000 | $1,150,000 | $129,000 | $353,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 11 | $5,390,000 | $490,000 | $2,000,000 | $75,000 | $353,000 |
| Credit History | 9 | $1,666,000 | $185,000 | $363,000 | $76,000 | $300,000 |
| Credit Application Incomplete | 5 | $2,248,000 | $449,000 | $1,770,000 | $30,000 | $66,000 |
| Other | 3 | $816,000 | $272,000 | $360,000 | $144,000 | $295,000 |
| Collateral | 1 | $302,000 | $302,000 | $302,000 | $63,000 | $63,000 |
| Employment History | 1 | $150,000 | $150,000 | $150,000 | $53,000 | $53,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cape & Coast Bank's 2007 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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