# The Cape Cod Five Cents Savings Bank

> **Canonical URL:** https://saferate.com/lenders/the-cape-cod-five-cents-savings-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


The Cape Cod Five Cents Savings Bank is a bank, headquartered in Barnstable, MA, serving borrowers across 2 states, with 846 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 27% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493007XQ02VMXYJYJ21
- **Headquarters:** Barnstable, MA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MA, NH
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.219%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $581
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 846
- **Dollar Volume:** $489 million
- **Applications Received:** 1,105
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $578,428
- **Average Borrower Income:** $249,420
- **Average Property Value:** $932,565

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 719 | +0.190% | $551 | Strong 😀 |
| FHA | 58/100 | 13 | -0.348% | $-420 | Sound ☺️ |
| Jumbo | 83/100 | 114 | +0.548% | $996 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 595 loans, Score: 78/100 (Strong)
- Refinance: 124 loans, Score: 74/100 (Strong)

**Jumbo:**
- Purchase: 95 loans, Score: 82/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 77/100 | 702 | $410M | +0.243% | Strong 😀 |
| Refinance | 74/100 | 144 | $79M | +0.081% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 844 | 1.40% | 89/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Barnstable Town, MA | MA | 573 | 100/100 |
| Boston, MA | MA | 159 | 77/100 |
| Non |  | 64 | 44/100 |
| Cambridge | MA | 30 | 54/100 |
| Providence | RI-MA | 11 | 42/100 |

## Where This Lender Ranks

The Cape Cod Five Cents Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Barnstable Town, MA
  - [View Full Rankings](https://saferate.com/barnstable-town-ma/best-mortgage-lenders)
- 🥇 **#1** in Barnstable Town, MA Banks
  - [View Full Rankings](https://saferate.com/barnstable-town-ma/best-mortgage-lenders/banks)
- 🥇 **#1** in Barnstable Town, MA for Conventional Loans
  - [View Full Rankings](https://saferate.com/barnstable-town-ma/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Barnstable Town, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/barnstable-town-ma/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Barnstable Town, MA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/barnstable-town-ma/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Massachusetts
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders)
- 🥈 **#2** in Massachusetts Banks
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks)
- 🥈 **#2** in Massachusetts for Conventional Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Massachusetts for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/conventional-loans)
- 🥈 **#2** in Barnstable Town, MA for FHA Loans
  - [View Full Rankings](https://saferate.com/barnstable-town-ma/best-mortgage-lenders/fha-loans)
- 🥈 **#2** in Barnstable Town, MA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/barnstable-town-ma/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Barnstable Town, MA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/barnstable-town-ma/best-mortgage-lenders/jumbo-loans)
- 🏆 **#4** in Massachusetts for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Boston, MA
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders)
- 🏆 **#4** in Boston, MA Banks
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks)
- 🏆 **#4** in Boston, MA for Conventional Loans
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Boston, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#14** in Massachusetts for FHA Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/fha-loans)
- 🏆 **#15** in Massachusetts for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#19** in Boston, MA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/jumbo-loans)

## Frequently Asked Questions

### What loan types does The Cape Cod Five Cents Savings Bank offer?

The Cape Cod Five Cents Savings Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Cape Cod Five Cents Savings Bank offer mortgages?

The Cape Cod Five Cents Savings Bank offers mortgages in 2 states: MA, NH.

### How competitive are The Cape Cod Five Cents Savings Bank's mortgage rates?

The Cape Cod Five Cents Savings Bank has a pricing score of 73/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.219% above market average.

### What type of lender is The Cape Cod Five Cents Savings Bank?

The Cape Cod Five Cents Savings Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Barnstable, MA.

### What is The Cape Cod Five Cents Savings Bank's loan approval success rate?

The Cape Cod Five Cents Savings Bank has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/the-cape-cod-five-cents-savings-bank

### How to Cite

> "The Cape Cod Five Cents Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-cape-cod-five-cents-savings-bank

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