Bristol County
Massachusetts · FIPS 25005
According to CFPB HMDA 2024 application volume among U.S. counties, Bristol County ranks #152 of 3,210, and #6 of 14 in Massachusetts.
Mortgage lending activity in Bristol 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. Bristol County, Massachusetts saw 18,575 HMDA-reported mortgage applications in 2024. Lenders originated 10,037 of those loans and denied 3,415, producing a denial rate of 18.4% and an approval (origination) rate of 54.0%. The average loan amount was $313,395 at an average note rate of 7.16%, with applicants self-reporting average annual income of $39K. 333 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 8.0x, meaning typical borrowers took on mortgages of about 8.0 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 Bristol County
In Bristol County, lead originator CBNA Year to Date funded only 6.5% of 10,037 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Bristol County's 18,575 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Bristol County's $313,395 average loan (deduped against volume peers).
Lenders active in Bristol County
CBNA Year to Date funded 654 of the 10,037 loans originated in Bristol County, 6.5% of the county. 333 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | CBNA Year to Date | 654 | 6.5% |
| 2 | United Wholesale Mortgage | 635 | 6.3% |
| 3 | Guild Mortgage Company | 450 | 4.5% |
| 4 | Rocket Mortgage | 448 | 4.5% |
| 5 | Fall River Five Cents Savings | 404 | 4.0% |
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 Bristol 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 Bristol 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.