States › Massachusetts › Middlesex County
Middlesex County, Massachusetts
Mortgage lending record for properties in the county, calendar year 2024.
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.
Lenders reported 39,388 mortgage applications in Middlesex County, Massachusetts, for 2024, and originated 25,065 loans worth $14bn.
That is 39.5 originations per 1,000 households, against 43.0 for Massachusetts and 48.0 nationally.
The county's denial rate was 19.6%, below the state rate of 22.3%. The median rate spread on originated loans was 0.1 percentage points and 9.8% of originations were 1.5 points or more above the average prime offer rate.
174 lenders reached 25 applications in the county; the most active by originations were CBNA Year to Date (1,955), Leader Bank NA (1,549) and Guaranteed Rate, Inc. (1,508).
Originations were up 9% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 174. Denial rate is denials over decided applications in this county.
Compared with Massachusetts and the nation
| Measure | This county | Massachusetts | United States |
|---|---|---|---|
| Denial rate | 19.6% | 22.3% | 24.3% |
| Median rate spread, pp | 0.1 | 0.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.8% | 11.9% | 15.6% |
| Average originated loan | $539k | $432k | $329k |
| Originations per 1,000 households | 39.5 | 43.0 | 48.0 |
| Home purchase share of originations | 52.9% | 50.7% | 57.0% |
| FHA-insured share | 3.6% | 7.5% | 13.4% |
| VA-guaranteed share | 1.3% | 2.5% | 7.9% |
Rate spread distribution
Share of 22,089 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 53% (13,256)Home improvement 14% (3,423)Refinancing 15% (3,825)Cash-out refinancing 9% (2,280)Other purpose 9% (2,281)
By type
Conventional 95% (23,816)FHA 4% (910)VA 1% (336)USDA 0% (3)
Trend by year
ApplicationsOriginations
This countyMassachusetts
Questions and answers
Which lenders are most active in Middlesex County, MA?
By 2024 originations: CBNA Year to Date (1,955), Leader Bank NA (1,549), Guaranteed Rate, Inc. (1,508), Bank of America NA (907), Rocket Mortgage (900). 174 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Middlesex County?
19.6% of decided applications were denied in 2024, against 22.3% across Massachusetts and 24.3% nationally.
How many mortgages were originated in Middlesex County in 2024?
25,065 loans totalling $14bn, from 39,388 applications; 39.5 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 25017; 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.