Applications / Mortgage Analytics / Lenders / Massachusetts / The Cape Cod Five Cents Savings Bank
Hyannis, MA · State member bank · FRS · $5.6 billion assets · 1,957 loans in 2025
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1,957
loans originated, 2025
2,842
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Cape Cod Five Cents Savings Bank is the largest mortgage lender in Barnstable Town, MA, and makes larger loans than most similar lenders, though its share there was lower in 2025.
It ranked 1 of 369 lenders in Barnstable Town, with a share of 15.0%, down from 17.4%, ahead of Citizens Bank and Leader Bank. Its own originations fell 3% while the whole market grew 10%, which may account for the lower share. It ranked 2 of 232 in non-metro Massachusetts.
Its typical loan was $305,000, against $195,000 at similar lenders (state member banks making between half and twice as many loans), higher than nearly nine in ten of them. 9.3% of its loans were jumbo (larger than the conforming limit), against 3.2%, down from 17.0% five years earlier. Purchase was 38.4% of its lending, home improvement 27.4% and refinance 26.0%.
It made 1,957 loans in 2025, against 2,014 a year earlier and 4,046 in 2020, while similar lenders grew 4%. Its typical rate was 3.38% in 2020 against 7.50% in 2025, and the lower rates of 2020 may account for much of the higher volume then.
It turned down 6.1% of first-lien purchase applications on owner-occupied homes and 10.1% of refinance applications, against 7.0% and 14.2% at similar lenders. 26.5% of its loans went to LMI (low- and moderate-income) borrowers, against 26.7%, near the middle. 0.5% were higher-priced (a rate well above the average for similar loans), against 1.3%.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Cape Cod Five Cents Savings Bank took 2,842 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.4% · Home improvement 27.4% · Refinance 26.0% · Other 8.1%
Conventional 98.8% · FHA 1.2% · of 1,957 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Massachusetts | 1,955 | 99.9% |
| New Hampshire | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Barnstable Town | 1,476 |
| Boston | 274 |
| Cambridge-Newton-Framingham | 17 |
| Providence-Warwick | 17 |
| Worcester | 10 |
| Springfield | 3 |
| Amherst Town-Northampton | 2 |
| Manchester-Nashua | 2 |
| Pittsfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007XQ02VMXYJYJ21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 664206 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 323287 | 1994–2017 |
Established 16 March 1855. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The Cape Cod Five Cents Savings Bank's data.
The Cape Cod Five Cents Savings Bank's data
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The Cape Cod Five Cents Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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