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2024 data HMDA 2024 disclosure official source

Barnstable County

11,077 mortgage applications, 16.0% denial rate. Verify FIPS 25001 with U.S. Census Bureau →

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Massachusetts · FIPS 25001

Local mortgage market. Barnstable County, Massachusetts saw 11,077 HMDA-reported mortgage applications in 2024. Lenders originated 6,516 of those loans and denied 1,772, producing a denial rate of 16.0% and an approval (origination) rate of 58.8%. The average loan amount was $417,528 at an average note rate of 7.50%, with applicants self-reporting average annual income of $38K. 342 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 11.0x, meaning typical borrowers took on mortgages of about 11.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 25001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

11,077
Applications
6,516
Originated
16.0%
Denial Rate
58.8%
Approval Rate
$417,528
Avg Loan Amount
7.50%
Avg Interest Rate
$38K
Avg Applicant Income
11.0x
Loan-to-Income Ratio

Nearby Lenders in Barnstable County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Cape Cod Five Cents Savings Bank 1,474 22.6%
2 CBNA Year to Date 527 8.1%
3 Rockland Trust Bank 343 5.3%
4 Rocket Mortgage 254 3.9%
5 Leader Bank NA 227 3.5%
Compare Cape Cod Five Cents Savings Bank vs CBNA Year to Date →

Frequently Asked Questions

How many mortgage applications were filed in Barnstable County?
In the 2024 HMDA reporting year, 11,077 mortgage applications were filed in Barnstable County, Massachusetts. Of these, 6,516 were originated (approved and funded), while 1,772 were denied, resulting in a denial rate of 16.0%.
What is the mortgage denial rate in Barnstable County?
The mortgage denial rate in Barnstable County is 16.0%. The approval (origination) rate is 58.8%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Barnstable County?
The average mortgage loan amount in Barnstable County is $417,528. The average interest rate is 7.504%. The average applicant income is $38K.
What is the loan-to-income ratio in Barnstable County?
The average loan-to-income ratio in Barnstable County is 11.0x, meaning borrowers took on loans averaging 11.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Barnstable County?
The top mortgage lenders in Barnstable County by origination volume are Cape Cod Five Cents Savings Bank, CBNA Year to Date, Rockland Trust Bank. In total, 342 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.