Cape Ann Savings Bank
Cape Ann Savings Bank received 154 applications in 2025 and made 126 mortgages, in 6 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $485,000. Of 145 decisions, 10 were denials — 6.9%, most often for debt-to-income ratio. 38 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300XSCD2USU6CQ848 |
|---|---|
| Applications received | 154 |
| Mortgages made | 126 |
| Denied | 10 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.519 points |
| FDIC-insured bank | Yes: Cape Ann Savings Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 78 | Not published | $515,000 | 5.6% |
| Refinancing | 39 | Not published | $405,000 | 10.9% |
| Other purposes | 9 | Under 10 loans | Under 10 loans | 0.0% |
Where Cape Ann Savings Bank lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Essex County, MA | 113 | Not published | 7.0% |
| Suffolk County, MA | 5 | Under 10 loans | 0.0% |
| Middlesex County, MA | 4 | Under 10 loans | 16.7% |
| Bristol County, MA | 2 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Cape Ann Savings Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.