The Cape Cod Five Cents Savings Bank in Massachusetts vs the state
11.7%Denial rate-4.52 pts vs state
14.3%Decision denial rate-5.65 pts vs state
68.8%Origination rate+6.24 pts vs state
7.50%Median rate+0.88 pts vs state
0.35Rate spread (pts)+0.26 pts vs state
$150kMedian applicant income
1,955Loans originated
332Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,071 | 2,259 | 8.9% | 7.63% | #13 |
| 2024 | 2,834 | 2,012 | 10.2% | 8.00% | #15 |
| 2025 | 2,840 | 1,955 | 11.7% | 7.50% | #16 |
What The Cape Cod Five Cents Savings Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most The Cape Cod Five Cents Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Barnstable County | 2,096 | 1,476 | 228 | 10.9% |
| Plymouth County | 351 | 238 | 39 | 11.1% |
| Nantucket County | 152 | 93 | 23 | 15.1% |
| Dukes County | 109 | 62 | 21 | 19.3% |
| Norfolk County | 32 | 23 | 2 | 6.3% |
| Bristol County | 24 | 17 | 4 | 16.7% |
| Middlesex County | 24 | 16 | 1 | 4.2% |
| Suffolk County | 21 | 13 | 5 | 23.8% |
| Worcester County | 17 | 10 | 5 | 29.4% |
| Hampden County | 5 | 3 | 1 | 20.0% |
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: 2,840 applications in 2025, of which 1,955 were originated and 332 denied.
11.7% of all applications, or 14.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans The Cape Cod Five Cents Savings Bank originated in Massachusetts in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are The Cape Cod Five Cents Savings 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