The Cape Cod Five Cents Savings Bank mortgage approval rate & lending review
The Cape Cod Five Cents Savings Bank decided 5,943 mortgage applications and funded 5,220 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Cape Cod Five Cents Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Cape Cod Five Cents Savings Bank at a glance
Approval is 14.3 points above the 75.3% 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 | 94% | 1,920 / 2,033 | 98% | $425K | 1,885 |
| Home improvement loans | 83% | 1,260 / 1,519 | 98% | $105K | 1,233 |
| Cash-out refinance | 87% | 857 / 982 | 98% | $155K | 843 |
| Refinance | 93% | 187 / 202 | 97% | $405K | 182 |
| Investment property purchase | 97% | 695 / 716 | 98% | $475K | 682 |
| Investment cash-out refinance | 87% | 101 / 116 | 92% | $305K | 93 |
| Investment refinance | 93% | 50 / 54 | 100% | $395K | 50 |
| Investment home improvement | 80% | 257 / 321 | 98% | $205K | 252 |
The Cape Cod Five Cents Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 90% | $405K | 5,933 | 5,211 |
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 The Cape Cod Five Cents Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Barnstable County, MA | Mortgage lenders | 94% | 1,413 | 1,308 |
| Barnstable County, MA | Home improvement loans | 83% | 1,278 | 1,042 |
| Barnstable County, MA | Cash-out refinance | 88% | 873 | 751 |
| Barnstable County, MA | Investment property purchase | 97% | 659 | 628 |
| Plymouth County, MA | Mortgage lenders | 96% | 390 | 365 |
| Barnstable County, MA | Investment home improvement | 81% | 297 | 236 |
| Plymouth County, MA | Home improvement loans | 79% | 184 | 143 |
| Barnstable County, MA | Refinance | 92% | 142 | 126 |
| Barnstable County, MA | Investment cash-out refinance | 87% | 111 | 90 |
| Plymouth County, MA | Cash-out refinance | 88% | 83 | 73 |
| Barnstable County, MA | Investment refinance | 92% | 49 | 45 |
| Plymouth County, MA | Refinance | 91% | 34 | 30 |
The county markets where The Cape Cod Five Cents Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Cape Cod Five Cents Savings Bank
What is The Cape Cod Five Cents Savings Bank's mortgage approval rate?
The Cape Cod Five Cents Savings Bank approved 89.6% of the 5,943 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.3 points above the 75.3% national rate for the same mix of loan types.
How often do borrowers take the loan The Cape Cod Five Cents Savings Bank offers?
Borrowers accepted 98% of the loans The Cape Cod Five Cents Savings 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 The Cape Cod Five Cents Savings Bank make?
The typical home purchase mortgage loan The Cape Cod Five Cents Savings Bank made was $425K; across all loan types its typical loan ran from $105K to $475K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Cape Cod Five Cents Savings Bank lend?
The Cape Cod Five Cents Savings Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Rhode Island.
Can I apply to The Cape Cod Five Cents Savings Bank directly?
Yes. The Cape Cod Five Cents Savings Bank is a bank or credit union with 23 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show The Cape Cod Five Cents Savings 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 The Cape Cod Five Cents Savings Bank treats applications, then get a rate quote from the lender.