Largest lenders in Barnstable County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Cape Cod Five Cents Savings Bank | C | 2,096 | 1,476 | 10.9% | 7.50% |
| 2 | Citizens Bank | C | 1,146 | 710 | 26.7% | 7.15% |
| 3 | Rockland Trust | C | 629 | 358 | 27.8% | 6.99% |
| 4 | Rocket Mortgage | C | 449 | 340 | 16.5% | 6.88% |
| 5 | Bank of America | F | 409 | 188 | 26.4% | 5.99% |
| 6 | Eastern Bank | B | 407 | 248 | 28.0% | 6.99% |
| 7 | Leader Bank | A | 320 | 279 | 1.3% | 6.24% |
| 8 | TD Bank | D | 283 | 152 | 26.2% | 7.44% |
| 9 | Crosscountry Mortgage | B | 282 | 199 | 3.9% | 6.75% |
| 10 | Newrez | D | 206 | 77 | 24.8% | 6.63% |
| 11 | Cape Cod Co-operative Bank | A | 203 | 160 | 1.5% | — |
| 12 | United Shore Financial Services | B | 191 | 139 | 13.1% | 6.63% |
| 13 | Guaranteed Rate | B | 163 | 103 | 3.1% | 6.75% |
| 14 | CMG Mortgage | A | 158 | 113 | 5.1% | 6.75% |
| 15 | Loandepot.Com | D | 133 | 89 | 18.1% | 6.63% |
| 16 | Pennymac Loan Services | C | 125 | 73 | 14.4% | 6.62% |
| 17 | Seamen's Bank | – | 101 | 71 | 10.9% | — |
| 18 | JPMorgan Chase Bank | B | 98 | 59 | 7.1% | 6.49% |
| 19 | Broker Solutions | D | 91 | 21 | 13.2% | 6.88% |
| 20 | Mutual of Omaha Mortgage | C | 89 | 52 | 20.2% | 6.38% |
| 21 | AmeriSave Mortgage | D | 86 | 19 | 69.8% | 8.50% |
| 22 | Discover Bank | F | 80 | 8 | 56.3% | 8.41% |
| 23 | Freedom Mortgage | B | 80 | 34 | 7.5% | 6.25% |
| 24 | Navy Federal Credit Union | D | 80 | 40 | 22.5% | 7.75% |
| 25 | Fairway Independent Mortgage | B | 76 | 57 | 11.8% | 6.88% |
Best approval odds in Barnstable County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Leader Bank | 291 | 1.4% |
| 2 | Cape Cod Co-operative Bank | 176 | 1.7% |
| 3 | Radius Financial Group | 52 | 1.9% |
| 4 | Guaranteed Rate | 115 | 4.4% |
| 5 | Crosscountry Mortgage | 212 | 5.2% |
| 6 | CMG Mortgage | 126 | 6.4% |
| 7 | JPMorgan Chase Bank | 67 | 10.5% |
| 8 | First Citizens' Federal Credit Union | 61 | 11.5% |
| 9 | Movement Mortgage | 58 | 12.1% |
| 10 | Seamen's Bank | 88 | 12.5% |
What Barnstable County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Barnstable County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 10,148 | 6,541 | 16.7% | 7.25% | $265,000 |
| 2024 | 10,296 | 6,517 | 17.2% | 7.38% | $305,000 |
| 2025 | 11,514 | 7,254 | 16.9% | 6.88% | $325,000 |
Frequently asked questions
16.9% of applications in Barnstable County were denied in 2025, against 16.2% statewide in Massachusetts.
The Cape Cod Five Cents Savings Bank, with 2,096 applications in 2025 and a denial rate of 10.9%.
The median mortgage application in Barnstable County in 2025 was for $325,000; the median property value on originated loans was $735,000.