Home purchase lenders in Barnstable County
2,966 home purchase mortgages were made in Barnstable County, Massachusetts, in 2025, by 329 lenders. The median rate their borrowers got was 6.624% on a median loan of $505,000. Of 3,339 decisions, 294 were denials — 8.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| The Cape Cod Five Cents Savings Bank | 538 | 6.750% | $450,000 | 7.0% |
| Leader Bank, National Association | 214 | 6.250% | $515,000 | 1.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 147 | 6.825% | $535,000 | 3.9% |
| Cape Cod Co-operative Bank | 114 | Not published | $495,000 | 2.4% |
| Citizens Bank, National Association | 85 | 6.750% | $425,000 | 17.9% |
| Rocket Mortgage, LLC | 84 | 6.625% | $505,000 | 15.7% |
| CMG MORTGAGE, INC. | 84 | 6.749% | $465,000 | 6.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 73 | 6.734% | $505,000 | 11.0% |
| Rockland Trust Company | 72 | 6.500% | $430,000 | 20.4% |
| GUARANTEED RATE, INC. | 66 | 6.750% | $525,000 | 2.9% |
| Bank of America, National Association | 61 | 5.875% | $715,000 | 15.3% |
| Seamen's Bank | 54 | Not published | $580,000 | 11.8% |
| Fairway Independent Mortgage Corporation | 40 | 6.875% | $470,000 | 9.1% |
| JPMorgan Chase Bank, National Association | 39 | 6.490% | $685,000 | 11.4% |
| TD Bank, National Association | 37 | 6.500% | $625,000 | 24.0% |
| PENNYMAC LOAN SERVICES, LLC | 33 | 6.624% | $495,000 | 8.1% |
| NEWREZ LLC | 32 | 6.500% | $520,000 | 20.0% |
| RADIUS FINANCIAL GROUP INC. | 31 | 6.625% | $465,000 | 3.1% |
| MOVEMENT MORTGAGE, LLC | 29 | 6.625% | $525,000 | 13.9% |
| Morgan Stanley Private Bank, National Association | 28 | 5.650% | $985,000 | 0.0% |
| Eastern Bank | 26 | 6.750% | $535,000 | 7.1% |
| Middlesex Savings Bank | 24 | 5.500% | $575,000 | 4.0% |
| Loandepot.Com, LLC | 23 | 6.750% | $455,000 | 4.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 22 | 9.750% | $525,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 22 | 6.625% | $365,000 | 7.7% |
| WILLIAM RAVEIS MORTGAGE, LLC | 21 | 6.625% | $525,000 | 18.5% |
| Mortgage Research Center, LLC | 20 | 6.250% | $535,000 | 4.8% |
| KEYSTONE FUNDING, INC. | 20 | 6.625% | $480,000 | 0.0% |
| HARBORONE MORTGAGE, LLC | 20 | 6.563% | $510,000 | 4.6% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 20 | 6.058% | $605,000 | 0.0% |
| Martha's Vineyard Bank | 18 | Not published | $650,000 | 4.8% |
| Prosperity Home Mortgage, LLC | 18 | 6.313% | $500,000 | 5.3% |
| Webster Bank, National Association | 18 | 6.250% | $935,000 | 10.0% |
| Charles Schwab Bank, SSB | 18 | 5.563% | $785,000 | 10.0% |
| Manufacturers and Traders Trust Company | 17 | 5.750% | $805,000 | 15.0% |
| Citibank, National Association | 17 | 5.500% | $1,365,000 | 0.0% |
| U.S. Bank National Association | 16 | 6.250% | $630,000 | 10.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 16 | 6.875% | $515,000 | 5.6% |
| Broker Solutions, Inc. | 14 | 6.875% | $490,000 | 6.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 14 | 6.688% | $495,000 | 6.7% |
| GUARANTEED RATE AFFINITY, LLC | 13 | 6.625% | $405,000 | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 13 | 6.875% | $555,000 | 0.0% |
| FIRST CITIZENS' FEDERAL CREDIT UNION | 13 | Not published | $405,000 | 0.0% |
| OCMBC, INC. | 12 | 7.375% | $495,000 | 5.3% |
| Navy Federal Credit Union | 11 | 6.250% | $485,000 | 15.4% |
| Wells Fargo Bank, National Association | 11 | 5.625% | $805,000 | 21.4% |
| Sierra Pacific Mortgage Company, Inc. | 11 | 6.500% | $395,000 | 15.4% |
| BAYCOAST MORTGAGE COMPANY, LLC | 11 | 6.625% | $455,000 | 0.0% |
| NEW FED MORTGAGE, CORP. | 10 | 6.875% | $505,000 | 0.0% |
| Fall River Five Cents Savings Bank | 10 | 6.500% | $650,000 | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 10 | 6.688% | $410,000 | 0.0% |
| First National Bank of America | 10 | 8.750% | $430,000 | 9.1% |
| bankESB | 10 | 6.000% | $590,000 | 0.0% |
| Northpointe Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Cambridge Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Liberty Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Kiavi Funding, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Milford Federal Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MORTGAGE EQUITY PARTNERS LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| UBS Bank USA | 7 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Needham Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Winchester Co-operative Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Paramount Residential Mortgage Group, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Dedham Institution for Savings | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hingham Institution for Savings, The | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Brookline Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| UniBank for Savings | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Hanscom Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MEMBERS MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Workers Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| ROCKLAND Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Colorado Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Dean Co-operative Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol County Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bluestone Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| North Easton Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Direct Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST HOME LOAN, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesBank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Florence Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| METRO Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Bank of Canton | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| POLISH NATIONAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citadel Servicing Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Country Bank for Savings | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY BAY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Main Street Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northern Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JEANNE D'ARC Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL ONE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BOSTON FIREFIGHTERS | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Centreville Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Service Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| FALL RIVER MUNICIPAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 66.7% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bangor Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenfield Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEAN STATE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bay State Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Institution for Savings in Newburyport and Its Vicinity | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Norwood Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Salem Five Cents Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| QUINCY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Monson Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Watertown Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SHARON & CRESCENT UNITED Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERRIMACK VALLEY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WEBSTER FIRST Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Village Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN EAGLE FINANCIAL Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Camden National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| St. Anne's Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Westfield Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NexBank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Capital Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MSA MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DREW MORTGAGE ASSOCIATES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Washington Trust Company, of Westerly | 1 | Under 10 loans | Under 10 loans | 50.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MILLBURY | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 129 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.