Massachusetts · HMDA 2025
Mortgage lenders in Barnstable County, MA
425 lenders reported 12,645 home-loan applications in Barnstable County in 2025. 7,254 closed as loans ($3.3B), 1,949 were denied — a 20.6% denial rate on decided applications, close to the Massachusetts rate of 19.9%. The three most active lenders handled 31% of applications, led by The Cape Cod Five Cents Savings Bank. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 12,645
- Loans originated
- 7,254
- Purchase / refinance
- 2,971 / 2,423
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Barnstable County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Cape Cod Five Cents Savings Bank | 2,097 | 16.6% | — |
| 2 | Citizens Bank, National Association 54 out of 100, Below average | 1,149 | 9.1% | 32.5% |
| 3 | Rockland Trust Company 73 out of 100, Strong | 629 | 5.0% | 33.4% |
| 4 | Bank of America, National Association 59 out of 100, Moderate | 536 | 4.2% | 44.7% |
| 5 | Rocket Mortgage, LLC | 455 | 3.6% | — |
| 6 | Eastern Bank 66 out of 100, Moderate | 407 | 3.2% | 33.1% |
| 7 | Leader Bank, National Association 71 out of 100, Strong | 332 | 2.6% | 2.3% |
| 8 | NEWREZ LLC | 307 | 2.4% | — |
| 9 | TD Bank, National Association 63 out of 100, Moderate | 304 | 2.4% | 35.3% |
| 10 | CROSSCOUNTRY MORTGAGE, INC. | 282 | 2.2% | — |
| 11 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 271 | 2.1% | 14.1% |
| 12 | PENNYMAC LOAN SERVICES, LLC | 248 | 2.0% | — |
| 13 | Cape Cod Co-operative Bank 53 out of 100, Below average | 203 | 1.6% | 1.5% |
| 14 | UNITED SHORE FINANCIAL SERVICES, LLC | 194 | 1.5% | — |
| 15 | GUARANTEED RATE, INC. | 177 | 1.4% | — |
| 16 | CMG MORTGAGE, INC. | 169 | 1.3% | — |
| 17 | Loandepot.Com, LLC | 133 | 1.1% | — |
| 18 | NATIONSTAR MORTGAGE LLC | 122 | 1.0% | — |
| 19 | FREEDOM MORTGAGE CORPORATION | 118 | 0.9% | — |
| 20 | PHH Mortgage Corporation | 113 | 0.9% | — |
| 21 | Seamen's Bank | 101 | 0.8% | — |
| 22 | Broker Solutions, Inc. | 91 | 0.7% | — |
| 23 | MUTUAL OF OMAHA MORTGAGE, INC. | 90 | 0.7% | — |
| 24 | AmeriSave Mortgage Corporation | 86 | 0.7% | — |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 80 | 0.6% | 32.9% |
| 26 | Discover Bank | 80 | 0.6% | — |
| 27 | Fairway Independent Mortgage Corporation | 76 | 0.6% | — |
| 28 | Service Federal Credit Union 52 out of 100, Below average | 74 | 0.6% | 30.5% |
| 29 | Mortgage Research Center, LLC | 71 | 0.6% | — |
| 30 | ROCKLAND Federal Credit Union 65 out of 100, Moderate | 71 | 0.6% | 24.4% |
| 31 | FIRST CITIZENS' FEDERAL CREDIT UNION 83 out of 100, Strong | 71 | 0.6% | 8.6% |
| 32 | U.S. Bank National Association 55 out of 100, Moderate | 70 | 0.6% | 39.5% |
| 33 | MOVEMENT MORTGAGE, LLC | 68 | 0.5% | — |
| 34 | RADIUS FINANCIAL GROUP INC. | 64 | 0.5% | — |
| 35 | SPRING EQ, LLC | 60 | 0.5% | — |
| 36 | FIGURE LENDING LLC | 59 | 0.5% | — |
| 37 | PeoplesBank 57 out of 100, Moderate | 59 | 0.5% | 13.3% |
| 38 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 59 | 0.5% | 32.9% |
| 39 | LAKEVIEW LOAN SERVICING, LLC | 57 | 0.5% | — |
| 40 | Hanscom Federal Credit Union 64 out of 100, Moderate | 56 | 0.4% | 19.3% |
Top 40 of 425 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Massachusetts
- Middlesex County 52,143 apps
- Worcester County 33,388 apps
- Essex County 28,530 apps
- Norfolk County 25,708 apps
- Plymouth County 23,653 apps
- Bristol County 20,970 apps
- Suffolk County 19,040 apps
- Hampden County 15,824 apps
- Berkshire County 4,609 apps
- Hampshire County 4,243 apps
- Franklin County 2,179 apps
- Dukes County 993 apps