The Cape Cod Five Cents Savings Bank
The Cape Cod Five Cents Savings Bank received 2,842 applications in 2025 and made 1,957 mortgages, in 14 counties across 2 states. The median rate its borrowers got was 7.500% on a median loan of $305,000. Of 2,324 decisions, 332 were denials — 14.3%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493007XQ02VMXYJYJ21 |
|---|---|
| Applications received | 2,842 |
| Mortgages made | 1,957 |
| Denied | 332 |
| Approved, not taken up | 35 |
| Withdrawn or incomplete | 518 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | 0.349 points |
| FDIC-insured bank | Yes: The Cape Cod Five Cents Savings Bank, 23 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 752 | 6.750% | $465,000 | 7.5% |
| Refinancing | 139 | 6.125% | $445,000 | 10.7% |
| Cash-out refinancing | 370 | 7.750% | $205,000 | 15.4% |
| Other purposes | 696 | 7.750% | $105,000 | 20.7% |
Where The Cape Cod Five Cents Savings Bank lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Barnstable County, MA | 1,476 | 7.500% | 13.2% |
| Plymouth County, MA | 238 | 7.250% | 13.9% |
| Nantucket County, MA | 93 | 7.750% | 19.3% |
| Dukes County, MA | 62 | 7.750% | 25.3% |
| Norfolk County, MA | 23 | 6.625% | 7.7% |
| Bristol County, MA | 17 | 6.875% | 19.1% |
| Middlesex County, MA | 16 | 6.625% | 5.9% |
| Suffolk County, MA | 13 | 6.875% | 27.8% |
| Worcester County, MA | 10 | 7.063% | 33.3% |
| Hampden County, MA | 3 | Under 10 loans | 25.0% |
| Hampshire County, MA | 2 | Under 10 loans | 0.0% |
| Hillsborough County, NH | 2 | Under 10 loans | 0.0% |
| Berkshire County, MA | 1 | Under 10 loans | 66.7% |
| Essex County, MA | 1 | Under 10 loans | 33.3% |
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When The Cape Cod Five Cents Savings Bank’s figures are published for the next year, or restated.
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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.