Nantucket County
Massachusetts · FIPS 25019
According to CFPB HMDA 2024 application volume among U.S. counties, Nantucket County ranks #1,784 of 3,210, and #14 of 14 in Massachusetts.
Mortgage lending activity in Nantucket 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. Nantucket County, Massachusetts saw 667 HMDA-reported mortgage applications in 2024. Lenders originated 368 of those loans and denied 132, producing a denial rate of 19.8% and an approval (origination) rate of 55.2%. The average loan amount was $1,265,015 at an average note rate of 7.30%, with applicants self-reporting average annual income of $38K. 76 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 33.3x, meaning typical borrowers took on mortgages of about 33.3 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 Nantucket County
In Nantucket County, lead originator Cape Cod Five Cents Savings Bank funded 36.4% of 368 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 51.1% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Nantucket County's 667 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Nantucket County's $1,265,015 average loan (deduped against volume peers).
Lenders active in Nantucket County
Cape Cod Five Cents Savings Bank funded 134 of the 368 loans originated in Nantucket County, 36.4% of the county. 76 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Cape Cod Five Cents Savings Bank | 134 | 36.4% |
| 2 | Rockland Trust Bank | 29 | 7.9% |
| 3 | CBNA Year to Date | 25 | 6.8% |
| 4 | Bank of America NA | 20 | 5.4% |
| 5 | JPMorgan Chase Bank, NA | 13 | 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 Nantucket 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 Nantucket 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.