Cape & Coast Bank Mortgage Lending & HMDA Data, 2024
In 2024, Cape & Coast Bank of Yarmouth Port, MA reported 184 mortgage applications totaling $111.5 million, down 60% from 2023. The average application was for $606,195, and applicants reported an average income of $289,179. 76% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Barnstable Town, MA (159), Boston, MA (15) and Providence-Warwick, RI-MA (5) (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 | 184 |
| Total Mortgage Loan Application Amount | $111,540,000 |
| Average Mortgage Loan Application Amount | $606,195 |
| Highest Mortgage Loan Application Amount | $4,765,000 |
| Average Applicant Income | $289,179 |
| Highest Applicant Income | $3,401,000 |
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Act (HMDA) records Cape & Coast Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2024
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 | 144 | $93,490,000 | $649,000 | $4,765,000 | $329,000 | $3,401,000 |
| Refinancing | 17 | $11,575,000 | $680,000 | $3,805,000 | $178,000 | $899,000 |
| Cash-out Refinancing | 10 | $2,730,000 | $273,000 | $415,000 | $97,000 | $129,000 |
| Other Purpose | 7 | $1,645,000 | $235,000 | $555,000 | $151,000 | $260,000 |
| Home Improvement | 6 | $2,100,000 | $350,000 | $1,365,000 | $130,000 | $143,000 |
| 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 | 138 | $83,890,000 | $607,000 | $4,765,000 | $292,000 | $2,219,000 |
| Not Provided | 20 | $8,660,000 | $433,000 | $1,305,000 | $367,000 | $3,401,000 |
| Hispanic | 8 | $5,830,000 | $728,000 | $3,765,000 | $270,000 | $1,192,000 |
| Not applicable | 7 | $7,145,000 | $1,020,000 | $3,805,000 | $0 | $0 |
| Black or African American | 5 | $1,695,000 | $339,000 | $525,000 | $95,000 | $147,000 |
| Asian | 4 | $2,330,000 | $582,000 | $1,045,000 | $286,000 | $479,000 |
| American Indian or Alaskan Native | 2 | $1,990,000 | $995,000 | $1,375,000 | $282,000 | $402,000 |
| 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) | 183 | $111,125,000 | $607,000 | $4,765,000 | $295,000 | $3,401,000 |
| FHA-insured (Federal Housing Administration) | 1 | $415,000 | $415,000 | $415,000 | $78,000 | $78,000 |
| 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 | 139 | $90,955,000 | $654,000 | $4,765,000 | $294,000 | $3,401,000 |
| Application Withdrawn By Applicant | 26 | $13,060,000 | $502,000 | $1,355,000 | $351,000 | $1,674,000 |
| Application Approved But Not Accepted | 9 | $3,145,000 | $349,000 | $825,000 | $163,000 | $419,000 |
| Application Denied By Financial Institution | 6 | $2,120,000 | $353,000 | $565,000 | $244,000 | $1,003,000 |
| File Closed For Incompleteness | 4 | $2,260,000 | $565,000 | $855,000 | $236,000 | $545,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 184 | $111,540,000 | $606,000 | $4,765,000 | $293,000 | $3,401,000 |
| 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 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cape & Coast Bank's 2024 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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