Barnstable County
Massachusetts · FIPS 25001
According to CFPB HMDA 2024 application volume among U.S. counties, Barnstable County ranks #267 of 3,210, and #9 of 14 in Massachusetts.
Mortgage lending activity in Barnstable County, Massachusetts based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Barnstable County
In Barnstable County, lead originator Cape Cod Five Cents Savings Bank funded 22.6% of 6,516 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 36.0% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Barnstable County's 11,077 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Barnstable County's $417,528 average loan (deduped against volume peers).
Lenders active in Barnstable County
Cape Cod Five Cents Savings Bank funded 1,474 of the 6,516 loans originated in Barnstable County, 22.6% of the county. 342 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Barnstable County borrowers.
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 Barnstable County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.