Barnstable County, MA: mortgage lenders, denial rate and originations, 2024

States › Massachusetts › Barnstable County

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.

Barnstable County, Massachusetts, saw 10,296 HMDA-reported applications and 6,517 originations ($2.8bn) in 2024.

That is 61.6 originations per 1,000 households, against 43.0 for Massachusetts and 48.0 nationally.

The county's denial rate was 20.8%, close to the state rate of 22.3%. The median rate spread on originated loans was 0.3 percentage points and 12.3% of originations were 1.5 points or more above the average prime offer rate.

61 lenders reached 25 applications in the county; the most active by originations were Cape Cod Five Cents Savings Bank (1,474), CBNA Year to Date (527) and Rockland Trust Bank (343).

Originations were about level with 2023.

10,296applications, 2024

6,517loans originated$2.8bn

20.8%denial rateMA 22.3% · US 24.3%

61.6originations per 1,000 householdsMA 43.0 · US 48.0

Most active lenders

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Cape Cod Five Cents Savings Bank	2,046	1,474	$489m	11.6%	—
2	CBNA Year to Date	892	527	$145m	32.7%	—
3	Rockland Trust Bank	604	343	$93m	32.1%	—
4	Rocket Mortgage	340	254	$86m	16.6%	—
5	Leader Bank NA	256	227	$120m	1.7%	—
6	Eastern Bank	297	200	$59m	27.1%	—
7	Crosscountry Mortgage, LLC	217	158	$89m	3.0%	—
8	TD Bank	285	146	$46m	33.6%	—
9	Bank of America NA	337	139	$70m	43.5%	—
10	The Cooperative Bank of Cape C	159	120	$80m	4.5%	—
11	United Wholesale Mortgage	149	115	$57m	14.7%	—
12	CMG Mortgage Inc	132	90	$41m	6.9%	—
13	Guaranteed Rate, Inc.	138	85	$48m	10.0%	—
14	Seamen'S Bank	104	72	$46m	4.5%	—
15	Loandepot.com, LLC	108	58	$23m	28.0%	—
16	Movement Mortgage, LLC	79	58	$32m	13.9%	—
17	First Citizens' Federal Credit Union	84	56	$9.7m	18.8%	—
18	Guild Mortgage Company	74	55	$28m	8.1%	—
19	Rockland Federal Credit Union	84	51	$11m	14.7%	—
20	Newrez LLC	152	50	$17m	37.8%	—
21	RF Renovo Management Company, LLC	51	49	$28m	0.0%	—
22	Mutual of Omaha Mortgage	79	48	$24m	20.6%	—
23	Service Federal Credit Union	76	47	$8.8m	26.9%	—
24	Fall River Five Cents Savings	71	47	$19m	19.7%	—
25	JPMorgan Chase Bank, NA	68	47	$60m	7.5%	—
26	Morgan Stanley Private Bank NA	49	45	$48m	0.0%	—
27	Us Bank, N.A.	73	44	$33m	28.6%	—
28	Fairway Independent Mort Corp	54	41	$18m	4.7%	—
29	Navy Federal Credit Union	67	40	$13m	21.6%	—
30	Radius Financial Group Inc	48	38	$17m	2.6%	—
31	Pennymac Loan Services LLC	73	37	$16m	24.5%	—
32	Digital Federal Credit Union	62	37	$7.0m	19.1%	—
33	Nationstar Mortgage	57	37	$8.4m	19.6%	—
34	Salem Five Mortgage Company LLC	42	35	$21m	10.3%	—
35	Freedom Mortgage Corporation	68	32	$15m	19.5%	—
36	William Raveis Mortgage, LLC	38	31	$14m	6.1%	—
37	Figure Lending LLC	63	29	$2.4m	37.3%	—
38	Flagstar Bank NA	36	28	$14m	15.2%	—
39	Ocmbc, Inc.	38	27	$11m	5.3%	—
40	Discover Bank	227	25	$3.0m	82.3%	—

Lenders with at least 25 applications in the county, by originations; up to 40 shown of 61. Denial rate is denials over decided applications in this county.

Compared with Massachusetts and the nation

Measure	This county	Massachusetts	United States
Denial rate	20.8%	22.3%	24.3%
Median rate spread, pp	0.3	0.2	0.3
Originations with spread of 1.5 pp or more	12.3%	11.9%	15.6%
Average originated loan	$431k	$432k	$329k
Originations per 1,000 households	61.6	43.0	48.0
Home purchase share of originations	45.9%	50.7%	57.0%
FHA-insured share	4.9%	7.5%	13.4%
VA-guaranteed share	2.0%	2.5%	7.9%

Rate spread distribution

Below 0 pp30.8%

0 to 0.5 pp27.1%

0.5 to 1 pp22.3%

1 to 1.5 pp7.5%

1.5 to 3 pp9.1%

3 or more pp3.2%

Share of 5,619 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Massachusetts). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.

Loan purpose and loan type

By purpose

Home purchase 46% (2,992)Home improvement 17% (1,109)Refinancing 13% (855)Cash-out refinancing 13% (864)Other purpose 11% (697)

By type

Conventional 93% (6,065)FHA 5% (317)VA 2% (133)USDA 0% (2)

Trend by year

ApplicationsOriginations

Applications and originations in Barnstable County, 2022–2024

This countyMassachusetts

Denial rate by year, state rate dashed

Questions and answers

Which lenders are most active in Barnstable County, MA?

By 2024 originations: Cape Cod Five Cents Savings Bank (1,474), CBNA Year to Date (527), Rockland Trust Bank (343), Rocket Mortgage (254), Leader Bank NA (227). 61 lenders had at least 25 applications in the county.

What is the mortgage denial rate in Barnstable County?

20.8% of decided applications were denied in 2024, against 22.3% across Massachusetts and 24.3% nationally.

How many mortgages were originated in Barnstable County in 2024?

6,517 loans totalling $2.8bn, from 10,296 applications; 61.6 originations per 1,000 households.

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 25001; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.