Cape & Coast Bank Mortgage Lending & HMDA Data, 2008
In 2008, Cape & Coast Bank of Yarmouth Port, MA reported 788 mortgage applications totaling $207.8 million, up 80% from 2007. The average application was for $263,662, and applicants reported an average income of $136,548. 72% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Barnstable Town, MA (675), Boston-Quincy, MA (17) and Cambridge-Newton-Framingham, MA (1) (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 | 788 |
| Total Mortgage Loan Application Amount | $207,766,000 |
| Average Mortgage Loan Application Amount | $263,662 |
| Highest Mortgage Loan Application Amount | $1,900,000 |
| Average Applicant Income | $136,548 |
| Highest Applicant Income | $2,609,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008
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 | 364 | $109,621,000 | $301,000 | $1,900,000 | $155,000 | $2,609,000 |
| Refinancing | 354 | $86,100,000 | $243,000 | $1,000,000 | $125,000 | $1,146,000 |
| Home Improvement | 70 | $12,045,000 | $172,000 | $700,000 | $99,000 | $389,000 |
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 | 725 | $192,629,000 | $265,000 | $1,900,000 | $139,000 | $2,609,000 |
| Not Provided | 42 | $10,526,000 | $250,000 | $880,000 | $123,000 | $416,000 |
| Hispanic | 11 | $2,468,000 | $224,000 | $320,000 | $99,000 | $474,000 |
| Asian | 4 | $906,000 | $226,000 | $355,000 | $92,000 | $150,000 |
| Black or African American | 4 | $785,000 | $196,000 | $400,000 | $63,000 | $133,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $452,000 | $226,000 | $252,000 | $68,000 | $137,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 788 | $207,766,000 | $263,000 | $1,900,000 | $136,000 | $2,609,000 |
| 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 | 571 | $152,093,000 | $266,000 | $1,900,000 | $150,000 | $2,609,000 |
| Preapproval Approved but not Accepted | 75 | $18,310,000 | $244,000 | $900,000 | $86,000 | $465,000 |
| Application Withdrawn By Applicant | 67 | $16,653,000 | $248,000 | $782,000 | $132,000 | $526,000 |
| Application Denied By Financial Institution | 37 | $10,756,000 | $290,000 | $1,350,000 | $94,000 | $379,000 |
| Application Approved But Not Accepted | 20 | $6,261,000 | $313,000 | $1,500,000 | $106,000 | $354,000 |
| Preapproval Denied by Financial Institution | 17 | $3,405,000 | $200,000 | $337,000 | $53,000 | $109,000 |
| File Closed For Incompleteness | 1 | $288,000 | $288,000 | $288,000 | $77,000 | $77,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 17 | $4,261,000 | $250,000 | $650,000 | $62,000 | $154,000 |
| Debt-To-Income Ratio | 15 | $4,483,000 | $298,000 | $1,350,000 | $58,000 | $154,000 |
| Collateral | 7 | $1,543,000 | $220,000 | $400,000 | $181,000 | $379,000 |
| Credit Application Incomplete | 7 | $1,558,000 | $222,000 | $320,000 | $67,000 | $109,000 |
| Other | 6 | $1,934,000 | $322,000 | $880,000 | $110,000 | $373,000 |
| Employment History | 1 | $184,000 | $184,000 | $184,000 | $45,000 | $45,000 |
| Mortgage Insurance Denied | 1 | $198,000 | $198,000 | $198,000 | $24,000 | $24,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2008 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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