Middlesex County
Massachusetts · FIPS 25017
According to CFPB HMDA 2024 application volume among U.S. counties, Middlesex County ranks #36 of 3,223, and #1 of 14 in Massachusetts.
Mortgage lending activity in Middlesex 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. Middlesex County, Massachusetts lenders denied 6,300 of the applications reported here, financing the rest at an average note rate of 7.10%, with applicants self-reporting average annual income of $37K. 463 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 13.7x, meaning typical borrowers took on mortgages of about 13.7 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 Middlesex County
In Middlesex County, lead originator CBNA Year to Date funded only 7.8% of 25,016 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Middlesex County's 43,678 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Middlesex County's $507,376 average loan (deduped against volume peers).
Lenders active in Middlesex County
CBNA Year to Date funded 1,955 of the 25,016 loans originated in Middlesex County, 7.8% of the county. 463 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | CBNA Year to Date | 1,955 | 7.8% |
| 2 | Leader Bank NA | 1,549 | 6.2% |
| 3 | Guaranteed Rate, INC. | 1,508 | 6.0% |
| 4 | Bank of America NA | 907 | 3.6% |
| 5 | Rocket Mortgage | 900 | 3.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Middlesex County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Middlesex County borrowers. 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.