Largest lenders in Dukes County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Cape Cod Five Cents Savings Bank | C | 109 | 62 | 19.3% | 7.75% |
| 2 | Rockland Trust | C | 102 | 54 | 29.4% | 6.74% |
| 3 | Martha's Vineyard Bank | A | 80 | 68 | 3.8% | — |
| 4 | Citizens Bank | C | 52 | 28 | 30.8% | 7.40% |
| 5 | Baycoast Mortgage Company | A | 35 | 29 | 5.7% | 6.50% |
| 6 | Bank of America | F | 34 | 18 | 35.3% | 5.62% |
| 7 | JPMorgan Chase Bank | B | 25 | 18 | 4.0% | 6.49% |
| 8 | Crosscountry Mortgage | B | 20 | 11 | 15.0% | 7.50% |
| 9 | Leader Bank | A | 19 | 15 | 0.0% | 6.00% |
| 10 | BayCoast Bank | A | 18 | 15 | 11.1% | 7.25% |
| 11 | Rocket Mortgage | C | 17 | 11 | 29.4% | 6.88% |
| 12 | Guaranteed Rate | B | 15 | 6 | 0.0% | 7.31% |
| 13 | Morgan Stanley Private Bank | A | 15 | 12 | 13.3% | 5.89% |
| 14 | OCMBC | C | 13 | 8 | 7.7% | 7.62% |
| 15 | United Shore Financial Services | B | 12 | 9 | 16.7% | 6.50% |
| 16 | Allied Mortgage Group | C | 10 | 4 | 0.0% | 7.06% |
| 17 | PNC Bank | D | 9 | 3 | 22.2% | 6.25% |
| 18 | U.S. Bank | D | 9 | 5 | 22.2% | 5.50% |
| 19 | Eastern Bank | B | 8 | 6 | 12.5% | 6.06% |
| 20 | Spring Eq | D | 8 | 1 | 62.5% | 7.38% |
| 21 | Loandepot.Com | D | 8 | 3 | 25.0% | 6.25% |
| 22 | Manufacturers and Traders Trust | C | 7 | 3 | 57.1% | 5.88% |
| 23 | AmeriSave Mortgage | D | 7 | 3 | 14.3% | 5.50% |
| 24 | Newrez | D | 7 | 2 | 57.1% | 6.50% |
| 25 | Citibank | B | 6 | 2 | 0.0% | 5.94% |
Best approval odds in Dukes County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Martha's Vineyard Bank | 75 | 4.0% |
| 2 | The Cape Cod Five Cents Savings Bank | 83 | 25.3% |
| 3 | Rockland Trust | 85 | 35.3% |
What Dukes County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Dukes County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 763 | 472 | 18.2% | 7.00% | $555,000 |
| 2024 | 859 | 486 | 20.5% | 7.38% | $555,000 |
| 2025 | 896 | 514 | 18.5% | 6.75% | $605,000 |
Frequently asked questions
18.5% of applications in Dukes County were denied in 2025, against 16.2% statewide in Massachusetts.
The Cape Cod Five Cents Savings Bank, with 109 applications in 2025 and a denial rate of 19.3%.
The median mortgage application in Dukes County in 2025 was for $605,000; the median property value on originated loans was $1,705,000.