Cape Cod Co-operative Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
92nd1.5% deniedProcesswithdrawn + incomplete share, weight 15%
40th13.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 444 | 348 | 7.0% | 7.6% | 7.25% | $142M |
| 2024 | 184 | 139 | 3.3% | 3.9% | — | $91M |
| 2025 | 237 | 182 | 1.3% | 1.5% | — | $106M |
What Cape Cod Co-operative Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 22 investment properties.
Who gets approved at Cape Cod Co-operative Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 44 | 35 | 5.0% |
| $100k – $150k | 53 | 40 | 0.0% |
| $150k – $250k | 49 | 36 | 0.0% |
| Over $250k | 83 | 66 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 50 | 38 | 0.0% |
| 35–44 | 59 | 48 | 0.0% |
| 45–54 | 43 | 37 | 0.0% |
| 55–64 | 41 | 26 | 6.5% |
| 65–74 | 31 | 23 | 0.0% |
Where Cape Cod Co-operative Bank lends
2 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 236 | 181 | 1.3% | — | #140 |
Frequently asked questions
Cape Cod Co-operative Bank denied 1.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 92nd percentile of small mortgage lenders.
In 2025, 74% of its applications were for home purchases, 20% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.