Cape & Coast Bank Mortgage Lending & HMDA Data, 2012
In 2012, Cape & Coast Bank of Yarmouth Port, MA reported 1,148 mortgage applications totaling $272.9 million, up 41% from 2011. The average application was for $237,703, and applicants reported an average income of $132,584. 83% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Barnstable Town, MA (1,073), Boston-Quincy, MA (25) and Cambridge-Newton-Framingham, MA (3) (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 | 1,148 |
| Total Mortgage Loan Application Amount | $272,884,000 |
| Average Mortgage Loan Application Amount | $237,703 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $132,584 |
| Highest Applicant Income | $1,331,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 699 | $166,319,000 | $237,000 | $1,500,000 | $133,000 | $1,331,000 |
| Home Purchase | 373 | $95,389,000 | $255,000 | $2,000,000 | $136,000 | $1,286,000 |
| Home Improvement | 76 | $11,176,000 | $147,000 | $417,000 | $112,000 | $725,000 |
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 | 1,041 | $245,249,000 | $235,000 | $2,000,000 | $131,000 | $1,331,000 |
| Not Provided | 89 | $23,685,000 | $266,000 | $1,024,000 | $155,000 | $554,000 |
| Hispanic | 8 | $1,539,000 | $192,000 | $350,000 | $98,000 | $238,000 |
| Black or African American | 5 | $949,000 | $189,000 | $253,000 | $70,000 | $146,000 |
| Asian | 4 | $1,302,000 | $325,000 | $417,000 | $213,000 | $582,000 |
| Not applicable | 1 | $160,000 | $160,000 | $160,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 1,148 | $272,884,000 | $237,000 | $2,000,000 | $133,000 | $1,331,000 |
| 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 | 950 | $223,612,000 | $235,000 | $1,500,000 | $136,000 | $1,331,000 |
| Application Denied By Financial Institution | 56 | $14,550,000 | $259,000 | $560,000 | $105,000 | $401,000 |
| Application Withdrawn By Applicant | 42 | $10,412,000 | $247,000 | $700,000 | $148,000 | $502,000 |
| Application Approved But Not Accepted | 35 | $10,129,000 | $289,000 | $2,000,000 | $124,000 | $472,000 |
| Preapproval Denied by Financial Institution | 34 | $7,231,000 | $212,000 | $450,000 | $51,000 | $157,000 |
| File Closed For Incompleteness | 31 | $6,950,000 | $224,000 | $553,000 | $153,000 | $800,000 |
| 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 | 42 | $9,085,000 | $216,000 | $500,000 | $51,000 | $143,000 |
| Collateral | 24 | $7,455,000 | $310,000 | $560,000 | $147,000 | $401,000 |
| Credit History | 13 | $2,422,000 | $186,000 | $368,000 | $74,000 | $135,000 |
| Other | 4 | $1,231,000 | $307,000 | $418,000 | $112,000 | $157,000 |
| Employment History | 3 | $776,000 | $258,000 | $330,000 | $72,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $357,000 | $178,000 | $280,000 | $61,000 | $78,000 |
| Unverifiable Information | 2 | $455,000 | $227,000 | $234,000 | $92,000 | $127,000 |
| Credit Application Incomplete | 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 2012 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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