Cape & Coast Bank mortgage approval rate & lending review
Cape & Coast Bank decided 664 mortgage applications and funded 590 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cape & Coast Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Cape & Coast Bank at a glance
Approval is 15.0 points above the 81.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 281 / 290 | 93% | $485K | 261 |
| Home improvement loans | 92% | 79 / 86 | 90% | $105K | 71 |
| Cash-out refinance | 96% | 54 / 56 | 93% | $205K | 50 |
| Refinance | 96% | 25 / 26 | 88% | $305K | 22 |
| Investment property purchase | 96% | 159 / 165 | 94% | $565K | 150 |
Cape & Coast Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 96% | $485K | 662 | 588 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Cape & Coast Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Barnstable County, MA | Mortgage lenders | 96% | 214 | 196 |
| Barnstable County, MA | Investment property purchase | 97% | 156 | 144 |
| Barnstable County, MA | Home improvement loans | 94% | 78 | 65 |
| Barnstable County, MA | Cash-out refinance | 96% | 54 | 48 |
| Barnstable County, MA | Refinance | 96% | 24 | 20 |
The county markets where Cape & Coast Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Cape & Coast Bank
What is Cape & Coast Bank's mortgage approval rate?
Cape & Coast Bank approved 95.9% of the 664 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.0 points above the 81.0% national rate for the same mix of loan types.
How often do borrowers take the loan Cape & Coast Bank offers?
Borrowers accepted 93% of the loans Cape & Coast Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Cape & Coast Bank make?
The typical home purchase mortgage loan Cape & Coast Bank made was $485K; across all loan types its typical loan ran from $105K to $565K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cape & Coast Bank lend?
Cape & Coast Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Massachusetts, Florida and Rhode Island.
Can I apply to Cape & Coast Bank directly?
Yes. Cape & Coast Bank is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Cape & Coast Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Cape & Coast Bank treats applications, then get a rate quote from the lender.