Cape Cod Co-operative Bank in Massachusetts vs the state
1.3%Denial rate-14.94 pts vs state
1.5%Decision denial rate-18.47 pts vs state
76.7%Origination rate+14.09 pts vs state
—Median rate
—Rate spread (pts)
$169kMedian applicant income
181Loans originated
3Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 443 | 347 | 7.0% | 7.25% | #92 |
| 2024 | 184 | 139 | 3.3% | — | #160 |
| 2025 | 236 | 181 | 1.3% | — | #140 |
What Cape Cod Co-operative Bank lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Cape Cod Co-operative Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barnstable County | 203 | 160 | 3 | 1.5% |
| Plymouth County | 10 | 7 | 0 | 0.0% |
| Middlesex County | 6 | 3 | 0 | 0.0% |
| Suffolk County | 4 | 4 | 0 | 0.0% |
| Norfolk County | 3 | 2 | 0 | 0.0% |
| Essex County | 2 | 0 | 0 | 0.0% |
| Dukes County | 2 | 2 | 0 | 0.0% |
| Nantucket County | 2 | 1 | 0 | 0.0% |
| Bristol County | 2 | 1 | 0 | 0.0% |
| Worcester County | 2 | 1 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 236 applications in 2025, of which 181 were originated and 3 denied.
1.3% of all applications, or 1.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Cape Cod Co-operative Bank's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology