Lender in Massachusetts · HMDA 2025
The Cape Cod Five Cents Savings Bank mortgages in Massachusetts
The Cape Cod Five Cents Savings Bank's 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.
The Cape Cod Five Cents Savings Bank originated 659 owner-occupied single-family loans in Massachusetts from 723 completed applications, making it the state's #25 lender by volume.
Its median conventional purchase loan costs were $4,160 versus $5,240 for all Massachusetts lenders, at a median 30-year fixed rate of 6.50% (Massachusetts: 6.575%).
Loans in MA
659
of 723 applications
Denial rate
6.1%
Purchase · MA 6.3%
Rate spread
−0.03 pts
Conv. · MA +0.02 pts
Loan amount
$475,000
Purchase · MA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 526 | 487 | 6.1% | 6.500% | −0.03 pts | $4,160 | $475,000 |
| Refinance | 108 | 97 | 7.4% | 6.125% | −0.24 pts | $3,510 | $445,000 |
| Cash-out refinance | 89 | 75 | 13.5% | 6.500% | −0.07 pts | $3,800 | $435,000 |
*Conventional loans only; medians with at least 20 loans.
Massachusetts counties where The Cape Cod Five Cents Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Barnstable County | 1 | 451 | 19.1% |
| Nantucket County | 1 | 25 | 39.1% |
| Dukes County | 5 | 8 | 6.0% |
| Plymouth County | 15 | 122 | 1.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology