Dukes County
Massachusetts · FIPS 25007
According to CFPB HMDA 2024 application volume among U.S. counties, Dukes County ranks #1,472 of 3,210, and #13 of 14 in Massachusetts.
Mortgage lending activity in Dukes 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. Dukes County, Massachusetts saw 949 HMDA-reported mortgage applications in 2024. Lenders originated 486 of those loans and denied 176, producing a denial rate of 18.6% and an approval (origination) rate of 51.2%. The average loan amount was $797,877 at an average note rate of 7.45%, with applicants self-reporting average annual income of $39K. 106 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 20.5x, meaning typical borrowers took on mortgages of about 20.5 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 Dukes County
In Dukes County, lead originator Cape Cod Five Cents Savings Bank funded 12.6% of 486 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 36.8% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Dukes County's 949 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Dukes County's $797,877 average loan (deduped against volume peers).
Lenders active in Dukes County
Cape Cod Five Cents Savings Bank funded 61 of the 486 loans originated in Dukes County, 12.6% of the county. 106 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Cape Cod Five Cents Savings Bank | 61 | 12.6% |
| 2 | Marthas Vineyard Bank | 60 | 12.3% |
| 3 | Rockland Trust Bank | 58 | 11.9% |
| 4 | Baycoast Mortgage Company, LLC | 31 | 6.4% |
| 5 | Bank of America NA | 25 | 5.1% |
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 Dukes 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 Dukes 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.