Compare Mortgage Lenders
Select two lenders to compare side by side using 2023 HMDA federal data: approval rates, denial rates, loan sizes, loan types, and geographic reach.
Key Metrics
| Metric | CAPE COD FIVE | Marthas Vineyard Bank |
|---|---|---|
| Total Applications | 2,836 ▲ | 96 |
| Loans Originated | 2,014 | 75 |
| Approval Rate (higher is better) | 71.0% | 78.1% ✓ |
| Denial Rate (lower is better) | 10.2% | 8.3% ✓ |
| Avg Loan Amount | $367,620 | $674,896 |
| Avg Interest Rate (lower is better) | 7.782% | N/A |
| Avg Applicant Income | $38,000 | N/A |
| Applications Denied | 289 | 8 |
| Applications Withdrawn | 388 | 10 |
✓ Better indicates the more favorable value for borrowers. Data: CFPB HMDA 2023.
Loan Type Mix
| Loan Type | CAPE COD FIVE | Marthas Vineyard Bank |
|---|---|---|
| Conventional | 2,813 (99.2%) | 96 (100.0%) |
| FHA | 23 (0.8%) | — |
| VA | — | — |
| USDA | — | — |
Loan Purpose Breakdown
| Purpose | CAPE COD FIVE | Marthas Vineyard Bank |
|---|---|---|
| Home Purchase | 1,167 | 68 |
| Home Improvement | 811 | 8 |
| Cash-out Refinancing | 476 | — |
| Other | 280 | 6 |
| Refinancing | 102 | 14 |
Top States by Loan Volume
| State | Originated | Rank |
|---|---|---|
| Massachusetts | 2,012 | #13 |
No state data available.
Summary
- 2,836 total applications · 2,014 originated
- Approval rate: 71.0%
- Denial rate: 10.2%
- Avg loan: $367,620
- Avg rate: 7.782%
- HQ: HYANNIS, MA
- 96 total applications · 75 originated
- Approval rate: 78.1%
- Denial rate: 8.3%
- Avg loan: $674,896
- HQ: West Tisbury, MA
Methodology
Comparisons are drawn from the CFPB 2024 HMDA Snapshot National Loan-Level Dataset, published by the Consumer Financial Protection Bureau and distributed via the FFIEC. Every figure on this page comes from lenders' mandatory HMDA filings — not voluntary marketing claims.
Approval (origination) rate = originated ÷ total applications. Denial rate = denied ÷ total applications. Rates do not sum to 100% because HMDA also records withdrawn, incomplete, and approved-but-not-accepted outcomes. Denial rates reflect a lender's applicant mix as much as its underwriting stance; compare alongside loan-type mix and geography before drawing conclusions.
Side-by-side comparisons are informational only and do not constitute financial, legal, or mortgage advice. Always obtain and compare written Loan Estimates before applying.