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Mortgage Lenders and Brokers in Barnstable Town, Massachusetts

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Barnstable Town, Massachusetts mortgage lenders include Cape Cod Five Cents Savings BankCape Cod Five Cents Savings Bank2745 Main St, Brewster, MA 02631A+5.0 ★Texas Ratio: 3.37%, Leader Bank NALeader Bank NA1201 Massachusetts Ave, Arlington, MA 02476A+5.0 ★Texas Ratio: 0.22%, Cape & Coast BankCape & Coast Bank1591 Main Street, East Dennis, MA 02641A5.0 ★Texas Ratio: 8.54%, Citizens Bank, NACitizens Bank, NA375 Centre Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 5.44%, TD BankTD Bank408 Massachusetts Ave, Acton, MA 01720A+5.0 ★Texas Ratio: 3.71%, First Citizens' Federal Credit UnionFirst Citizens' Federal Credit Union396 Onset Ave, East Wareham, MA 02538A+5.0 ★Texas Ratio: 2.13%, Bank of America NABank of America NA93 Brockton Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 4.14%, Rockland Trust BankRockland Trust Bank381 Centre Ave, Abington, MA 02351A+5.0 ★Texas Ratio: 2.64%, Middlesex Savings BankMiddlesex Savings Bank279 Main St, Acton, MA 01720A+5.0 ★Texas Ratio: 1.23%, and Baycoast Mortgage Company, LLCBaycoast Mortgage Company, LLC2 Locust St, Berkley, MA 02779A5.0 ★Texas Ratio: 12.75%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Barnstable Town, Massachusetts in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Barnstable Town are listed first, then lenders elsewhere in Massachusetts, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Barnstable Town, Massachusetts

Market share is the lender's share of all home loans closed in Barnstable Town, Massachusetts. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
Cape Cod Five Cents Savings Bank 2745 Main St, Brewster, MA 02631 A+5.0 ★Texas Ratio: 3.37%	Conventional, FHA, Jumbo, HELOC	133 +125 HELOCs	18.2%	86.5%	$426,503	View
Leader Bank NA 1201 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 0.22%	Conventional, FHA, VA, Jumbo, HELOC	28 +7 HELOCs	3.8%	100%	$571,785	View
Cape & Coast Bank 1591 Main Street, East Dennis, MA 02641 A5.0 ★Texas Ratio: 8.54%	Conventional, Jumbo	20	2.7%	100%	$635,000	View
Citizens Bank, NA 375 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	12 +135 HELOCs	1.6%	92.3%	$535,833	View
TD Bank 408 Massachusetts Ave, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.71%	Conventional, Jumbo, HELOC	12 +17 HELOCs	1.6%	85.7%	$297,500	View
First Citizens' Federal Credit Union 396 Onset Ave, East Wareham, MA 02538 A+5.0 ★Texas Ratio: 2.13%	Conventional	10	1.4%	90.9%	$110,000	View
Bank of America NA 93 Brockton Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	8 +22 HELOCs	1.1%	100%	$901,250	View
Rockland Trust Bank 381 Centre Ave, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.64%	Conventional, HELOC	7 +46 HELOCs	1%	38.9%	$366,428	View
Middlesex Savings Bank 279 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 1.23%	Conventional, Jumbo	6	0.8%	100%	$416,666	View
Baycoast Mortgage Company, LLC 2 Locust St, Berkley, MA 02779 A5.0 ★Texas Ratio: 12.75%	Conventional	5	0.7%	100%	$433,000	View
JPMorgan Chase Bank, NA 291 Main St, Acton, MA 01720 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	5	0.7%	85.7%	$1,243,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 109 Causeway St, Boston, MA 02114 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	4 +4 HELOCs	0.5%	100%	$1,250,000	View
Fall River Five Cents Savings 136 Faunce Corner Mall Rd, Dartmouth, MA 02747 A5.0 ★Texas Ratio: 7.62%	Conventional, FHA, HELOC	4 +2 HELOCs	0.5%	80%	$447,500	View
Wells Fargo Bank NA 125 High St, Boston, MA 02110 A+5.0 ★Texas Ratio: 5.36%	Conventional, Jumbo	4	0.5%	80%	$787,500	View
M&T Bank 806 Suffield St, Agawam, MA 01001 A+5.0 ★Texas Ratio: 4.11%	Conventional, Jumbo	3	0.4%	100%	$1,138,333	View
Cornerstone Bank 52 Main St, Ashburnham, MA 01430 A+5.0 ★Texas Ratio: 2.94%	Conventional	3	0.4%	75%	$231,666	View
Dedham Institution For Savings 100 Old Billerica Rd, Bedford, MA 01730 A5.0 ★Texas Ratio: 10.91%	Conventional, Jumbo	3	0.4%	100%	$841,666	View
Digital Federal Credit Union 100 Powdermill Rd, Acton, MA 01720	Conventional, HELOC	2 +4 HELOCs	0.3%	100%	$115,000
Rockland Federal Credit Union 200 Westgate Dr Unit 119A, Brockton, MA 02301 A+5.0 ★Texas Ratio: 3.09%	Conventional, HELOC	2 +3 HELOCs	0.3%	66.7%	$95,000	View
Hanscom Federal Credit Union 325 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.62%	Conventional, HELOC	2 +2 HELOCs	0.3%	100%	$500,000	View
Direct Federal Credit Union 50 Cabot St, Needham, MA 02494	Conventional	2	0.3%	40%	$300,000
Seamen'S Bank 4355 State Highway, North Eastham, MA 02651 A+5.0 ★Texas Ratio: 4.75%	Conventional	2	0.3%	100%	$420,000	View
Marthas Vineyard Bank 517 South Rd, Chilmark, MA 02535 A+5.0 ★Texas Ratio: 0.66%	Conventional	2	0.3%	66.7%	$580,000	View
First Ciitizens Bank and Trust 57 Enon St, Beverly, MA 01915 A5.0 ★Texas Ratio: 7.72%	Conventional, Jumbo	2	0.3%	100%	$2,565,000	View
Unibank For Savings 10 Cheney St, Blackstone, MA 01504 A+5.0 ★Texas Ratio: 5.57%	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$565,000	View
Brightbridge Credit Union 100 Macy St, Amesbury, MA 01913 4315	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$595,000	View
Winchester Co-Operative Bank 19 Church St, Winchester, MA 01890 A+5.0 ★Texas Ratio: 2.71%	Conventional	1	0.1%	100%	$195,000	View
Bny Mellon, N.A. One Boston Place, Boston, MA 02108 A+5.0 ★Texas Ratio: 0.37%	Conventional	1	0.1%	100%	$705,000	View
Everett Co-Operative Bank 419 Broadway, Everett, MA 02149 A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0.1%	50%	$345,000	View
Coastal Heritage Bank 744 Broad St, East Weymouth, MA 02189 A5.0 ★Texas Ratio: 10.65%	Conventional	1	0.1%	100%	$215,000	View
Bank of Easton 275 Washington St, North Easton, MA 02356 A+5.0 ★Texas Ratio: 0.01%	Conventional	1	0.1%	100%	$75,000	View
North Easton Savings Bank 656 Crescent St, Brockton, MA 02302 A5.0 ★Texas Ratio: 10.31%	Conventional	1	0.1%	100%	$515,000	View
All One Credit Union 159 Mechanic St, Clinton, MA 01510 A+5.0 ★Texas Ratio: 2.11%	Conventional	1	0.1%	100%	$105,000	View
Eagle Bank 389 Hanover St, Boston, MA 02113 A+5.0 ★Texas Ratio: 0.32%	Conventional	1	0.1%	100%	$395,000	View
Harvard Federal Credit Union 55 Fruit St, Boston, MA 02114 2621 A5.0 ★Texas Ratio: 9.82%	Conventional	1	0.1%	100%	$435,000	View
Newburyport Five Cents Savings Bank 40 Friend St, Amesbury, MA 01913 A-4.9 ★Texas Ratio: 16.54%	Conventional, Jumbo	1	0.1%	100%	$1,815,000	View
The Cooperative Bank 201 Main St, Charlestown, MA 02129	Conventional	1	0.1%	100%	$165,000
Liberty Bay Credit Union 300 Granite St Fl 3, Braintree, MA 02184 3909 A+5.0 ★Texas Ratio: 1.21%	Conventional	1	0.1%	100%	$355,000	View
Lowell Five Cent Savings Bank 700 Boston Rd, Billerica, MA 01821 A5.0 ★Texas Ratio: 6.48%	Conventional	1	0.1%	100%	$275,000	View
Webster Five Cents Savings Bank 400 Southbridge St, Auburn, MA 01501 A+5.0 ★Texas Ratio: 2.90%	Conventional	1	0.1%	100%	$105,000	View
Adams Community Bank 93 Park St, Adams, MA 01220 A+5.0 ★Texas Ratio: 3.06%	Conventional	1	0.1%	100%	$535,000	View
Northern Bank & Trust Company 414 Massachusetts Ave, Acton, MA 01720 A5.0 ★Texas Ratio: 13.93%	Conventional	1	0.1%	50%	$705,000	View
Hingham Institution For Savings 540 Tremont St, Boston, MA 02116 A5.0 ★Texas Ratio: 6.98%	Conventional, Jumbo	1	0.1%	100%	$1,505,000	View
Watertown Savings Bank 980 Massachusetts Ave, Arlington, MA 02476 A+5.0 ★Texas Ratio: 1.01%	Conventional	1	0.1%	100%	$345,000	View
Tremont Credit Union 180 Mount Vernon St, Dorchester, MA 02125 A5.0 ★Texas Ratio: 8.79%	Conventional	1	0.1%	100%	$355,000	View
Gfa Federal Credit Union 35 Main St, Ashburnham, MA 01430 1290 A+5.0 ★Texas Ratio: 5.25%	Conventional	1	0.1%	100%	$435,000	View
Eastern Bank 660 Bedford St, Abington, MA 02351 A+5.0 ★Texas Ratio: 2.61%	HELOC	0 +60 HELOCs	0%	n/a		View
Salem Five Cents Savings Bank 285 Great Rd, Bedford, MA 01730 A+5.0 ★Texas Ratio: 3.29%	HELOC	0 +6 HELOCs	0%	n/a		View
Baycoast Bank 2 Locust St, Berkley, MA 02779 A5.0 ★Texas Ratio: 12.75%	HELOC	0 +2 HELOCs	0%	n/a		View
Beacon Bank & Trust 820 Suffield Strret, Agawam, MA 01001 A+5.0 ★Texas Ratio: 5.36%	HELOC	0 +1 HELOCs	0%	n/a		View
Greylock Federal Credit Union 2 Park St, Adams, MA 01220 A5.0 ★Texas Ratio: 7.93%	HELOC	0 +1 HELOCs	0%	n/a		View
Bankesb 770 Main St, Agawam, MA 01001	HELOC	0 +1 HELOCs	0%	n/a
Workers Federal Credit Union 107 Tower Rd, Athol, MA 01331 9823 A+5.0 ★Texas Ratio: 5.99%	HELOC	0 +1 HELOCs	0%	0%		View
New Fed Mortgage Corp.	Conventional	7	1%	100%	$553,571
Radius Financial Group Inc	Conventional	7	1%	100%	$319,285
Salem Five Mortgage Company LLC	Conventional, Jumbo	4	0.5%	80%	$637,500
Mortgage Equity Partners LLC	Conventional, FHA	2	0.3%	100%	$505,000
Northpoint Mortgage, Inc. A5.0 ★Texas Ratio: 8.47%	Conventional	2	0.3%	100%	$635,000	View
Colonial Federal Savings Bank	Conventional	1	0.1%	100%	$545,000
Members Mortgage Company Inc	Conventional	1	0.1%	100%	$505,000
Bangor Savings Bank A+5.0 ★Texas Ratio: 4.53%	HELOC	0 +1 HELOCs	0%	n/a		View
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	62 +1 HELOCs	8.5%	84.6%	$310,645
Cmg Mortgage Inc A+5.0 ★Texas Ratio: 2.02%	Conventional, FHA, VA, USDA, HELOC	27 +1 HELOCs	3.7%	93.5%	$448,333	View
CrossCountry Mortgage, LLC	Conventional, FHA, Jumbo	27	3.7%	96.6%	$548,333
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	26 +2 HELOCs	3.6%	96.3%	$567,307
Newrez LLC	Conventional, FHA, VA, Jumbo	17	2.3%	56.7%	$389,117
loanDepot.com LLC	Conventional, FHA, VA, HELOC	13 +1 HELOCs	1.8%	86.7%	$390,384
Freedom Mortgage Corporation	Conventional, FHA, VA	12	1.6%	100%	$434,166
Movement Mortgage, LLC	Conventional, Jumbo	12	1.6%	86.7%	$623,333
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	12	1.6%	70.6%	$648,333
Mutual of Omaha Mortgage	Conventional, FHA	10	1.4%	85.7%	$530,000
Guaranteed Rate, Inc.	Conventional, Jumbo	9	1.2%	100%	$551,666
Keystone Funding, Inc	Conventional, FHA	7	1%	100%	$435,000
Fairway Independent Mort Corp	Conventional	7	1%	100%	$505,000
Nationstar Mortgage	Conventional	6	0.8%	66.7%	$135,000
Mortgage Research Center	Conventional, VA, Jumbo	6	0.8%	66.7%	$621,666
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	6	0.8%	100%	$1,476,666	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	5	0.7%	100%	$643,000	View
Total Mortgage Services, LLC	Conventional, FHA	5	0.7%	100%	$439,000
New American Funding, LLC.	Conventional, Jumbo	5	0.7%	75%	$555,000
Ocmbc, Inc. A+5.0 ★Texas Ratio: 5.05%	Conventional	4	0.5%	83.3%	$475,000	View
William Raveis Mortgage, LLC	Conventional, FHA	4	0.5%	80%	$445,000
Prosperity Home Mortgage, LLC	Conventional	4	0.5%	80%	$407,500
Navy Federal Credit Union	Conventional, VA, Jumbo	4	0.5%	80%	$372,500
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	4	0.5%	80%	$260,000	View
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo	4	0.5%	100%	$1,437,500	View
Sierra Pacific Mortgage Co. Inc	Conventional, FHA, HELOC	3 +3 HELOCs	0.4%	60%	$571,666
US Bank, N.A. A+5.0 ★Texas Ratio: 2.85%	Conventional, Jumbo	3	0.4%	75%	$765,000	View
Originpoint, LLC	Conventional	3	0.4%	100%	$481,666
Amerisave Mortgage Company	Conventional, FHA	3	0.4%	21.4%	$335,000
Guild Mortgage Company	Conventional	3	0.4%	100%	$531,666
Harborone Mortgage, LLC	Conventional, FHA	3	0.4%	100%	$521,666
Nations Direct Mortgage, LLC	Conventional, FHA	3	0.4%	100%	$398,333
Service Federal Credit Union	Conventional, HELOC	2 +1 HELOCs	0.3%	100%	$280,000
Guaranteed Rate Affinity, LLC	Conventional	2	0.3%	100%	$425,000
Primelending	Conventional	2	0.3%	100%	$235,000
Huntington National Bank A+5.0 ★Texas Ratio: 3.66%	Conventional, Jumbo	2	0.3%	100%	$810,000	View
Lakeview Loan Servicing, LLC	Conventional, FHA	2	0.3%	27.3%	$355,000
PHH Mortgage Corporation	Conventional, FHA	2	0.3%	100%	$295,000
AdvantageFirst Lending Inc	Conventional	2	0.3%	100%	$320,000
American Financial Network, Inc.	Conventional, FHA	2	0.3%	50%	$380,000
Nqm Funding, LLC	Conventional, Jumbo	2	0.3%	100%	$930,000
Union Home Mortgage Corp.	Conventional, FHA, Jumbo	2	0.3%	100%	$720,000
Nfm, Inc	Conventional, FHA	2	0.3%	100%	$465,000
EastRise Federal Credit Union	Conventional	2	0.3%	100%	$460,000
The Camden National Bank A+5.0 ★Texas Ratio: 1.50%	Conventional, Jumbo	2	0.3%	100%	$930,000	View
Raymond James Bank A+5.0 ★Texas Ratio: 3.19%	Conventional	2	0.3%	100%	$655,000	View
First National Bank of America B-4.3 ★Texas Ratio: 23.12%	Conventional	2	0.3%	66.7%	$430,000	View
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	VA	2	0.3%	100%	$495,000	View
Reliance First Capital, LLC	Conventional, VA	2	0.3%	100%	$280,000
Ark-La-Tex Financial Services LLC	Conventional	2	0.3%	50%	$430,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional, Jumbo, HELOC	1 +1 HELOCs	0.1%	100%	$1,175,000	View
Better Mortgage Corporation	Conventional, HELOC	1 +1 HELOCs	0.1%	100%	$605,000
Passumpsic Bank	Conventional	1	0.1%	100%	$655,000
Liberty Bank A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	1	0.1%	100%	$975,000	View
First Community Mortgage, Inc.	Conventional	1	0.1%	100%	$405,000
American Financial Resources LLC	Conventional	1	0.1%	100%	$55,000
Presidential Bank, FSB A-4.9 ★Texas Ratio: 16.48%	VA	1	0.1%	100%	$555,000	View
Colorado Federal Savings Bank A+5.0 ★Texas Ratio: 3.16%	Conventional	1	0.1%	100%	$425,000	View
Envoy Mortgage, Ltd	Conventional	1	0.1%	100%	$595,000
Acrisure Mortgage, LLC	Conventional	1	0.1%	100%	$555,000
Allied Mortgage Group, Inc	Conventional	1	0.1%	100%	$495,000
AmeriHome Mortgage Company, LLC	Conventional, Jumbo	1	0.1%	100%	$1,125,000
Tower Federal Credit Union	Conventional	1	0.1%	100%	$255,000
Bison State Bank A+5.0 ★Texas Ratio: 2.38%	Conventional	1	0.1%	100%	$555,000	View
Farmers Bank & Trust A+5.0 ★Texas Ratio: 0.65%	Conventional	1	0.1%	100%	$375,000	View
Homestead Funding Corp.	Conventional	1	0.1%	100%	$315,000
First Home Mortgage	VA	1	0.1%	100%	$595,000
Success Mortgage Partners, Inc	VA	1	0.1%	100%	$645,000
Discover Bank	Conventional	1	0.1%	25%	$65,000
Cardinal Financial Company, Li	Conventional	1	0.1%	100%	$55,000
Shoreham Bank	Conventional	1	0.1%	100%	$285,000
Embrace Home Loans, Inc.	Conventional, Jumbo	1	0.1%	100%	$845,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.1%	100%	$495,000	View
Waterstone Mortgage Corporation	Conventional	1	0.1%	100%	$275,000
Academy Bank, N.A. A+5.0 ★Texas Ratio: 5.08%	Conventional	1	0.1%	100%	$355,000	View
Hometown Equity Mortgage, LLC	Conventional	1	0.1%	100%	$425,000
Lake Forest Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.75%	Conventional, Jumbo	1	0.1%	100%	$2,505,000	View
American Pacific Mortgage Corporation	Conventional	1	0.1%	100%	$435,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0.1%	100%	$555,000
Northwest Community Bank A4.9 ★Texas Ratio: 7.16%	Conventional	1	0.1%	100%	$315,000	View
Province Mortgage Associates, Inc.	Conventional	1	0.1%	100%	$805,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.1%	100%	$655,000	View
Zillow Home Loans, LLC	Conventional	1	0.1%	100%	$475,000
BMO Harris Bank NA A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo	1	0.1%	100%	$3,755,000	View
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional	1	0.1%	100%	$545,000	View
Truist Bank ★ 1 stars, 1 review A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo	1	0.1%	100%	$845,000	View
Washington Trust Mortgage Company LLC A5.0 ★Texas Ratio: 7.00%	Conventional, Jumbo	1	0.1%	100%	$1,725,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	1	0.1%	100%	$5,505,000	View
Toyota Financial Savings Bank	Conventional, Jumbo	1	0.1%	100%	$5,005,000
United Nations Federal CU	Conventional	1	0.1%	100%	$405,000
Webster Bank, N.A.	Conventional, Jumbo	1	0.1%	100%	$1,255,000
Paramount Residential Mortgage	FHA	1	0.1%	100%	$525,000
Texana Bank	Conventional	1	0.1%	100%	$345,000
Plaza Home Mortgage, Inc	FHA	1	0.1%	100%	$415,000
Village Capital & Investment	FHA	1	0.1%	66.7%	$485,000
American Neighborhood Mortgage Acceptance Company	Conventional	1	0.1%	100%	$475,000
JMAC Lending, Inc.	FHA	1	0.1%	100%	$495,000
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	HELOC	0 +3 HELOCs	0%	n/a		View
Usalliance Federal Credit Union A5.0 ★Texas Ratio: 8.11%	HELOC	0 +2 HELOCs	0%	n/a
Figure Lending LLC	HELOC	0 +2 HELOCs	0%	n/a
Spring Eq, LLC	HELOC	0 +2 HELOCs	0%	0%
Georgia'S Own Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Fourleaf Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Fed Ex Employees Credit Association	HELOC	0 +1 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +1 HELOCs	0%	n/a
Berkshire Bank A-5.0 ★Texas Ratio: 14.36%	HELOC	0 +1 HELOCs	0%	n/a		View
Quorum Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Island Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
The Washington Trust Company, of Westerly A5.0 ★Texas Ratio: 7.00%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Barnstable Town Mortgage Rate Trends

Daily average mortgage rates for Massachusetts compared with the national average, updated every evening.

30-Year Fixed MA Avg

7.075%

▲ 0.078 vs 7 days ago

15-Year Fixed MA Avg

6.731%

▲ 0.111 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Barnstable Town, Massachusetts

Looking for mortgage lenders near me or mortgage brokers near me in Barnstable Town? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Barnstable Town in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Barnstable Town, MA

Use these to narrow the list above. Each category shows how many Barnstable Town, MA lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 63 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 82 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 25 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 29 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 15 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 1 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 45 lenders. Loans above the conforming limit for higher priced homes Local lenders based in MA 51 lenders headquartered in Massachusetts, the closest thing to a mortgage lender near you

Who Lends in Barnstable Town, MA

Independent mortgage companies closed 47.9 percent of home loans in Barnstable Town, Massachusetts in 2025, banks 47.3 percent and credit unions 4.8 percent. New Fed Mortgage Corp. was the largest mortgage company, Cape Cod Five Cents Savings Bank the largest bank and First Citizens' Federal Credit Union the largest credit union. Among lenders headquartered in Massachusetts, Cape Cod Five Cents Savings Bank led with 133 loans.

47.9%

Mortgage companies

47.3%

Banks

4.8%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

An attorney must handle the closing in Massachusetts. State deeds excise (transfer tax) of $4.56 per $1,000 of price, customarily paid by the seller; Barnstable County charges $6.12 per $1,000, and Nantucket and Martha's Vineyard add a 2 percent buyer paid land bank fee. No mortgage recording tax.

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Frequently Asked Questions About Mortgage Lenders in Barnstable Town, MA

Who is the largest mortgage lender in Barnstable Town, MA?

By home loans closed in 2025, Cape Cod Five Cents Savings Bank was the largest mortgage lender in Barnstable Town, Massachusetts with 133 loans, about 18.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Barnstable Town, MA have the highest approval rates?

Among lenders with meaningful volume in Barnstable Town, Massachusetts, Cape Cod Five Cents Savings Bank approved the highest share of completed applications in 2025 at 86.5 percent, against a 84.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Barnstable Town, MA mortgage lenders offer FHA, VA and USDA loans?

29 lenders closed FHA loans in Barnstable Town, Massachusetts in 2025, led by United Wholesale Mortgage with 6. 15 lenders closed VA loans, led by Rocket Mortgage, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Barnstable Town, MA lender list?

Yes. 82 banks and 25 credit unions closed home loans in Barnstable Town, Massachusetts in 2025, alongside 63 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Barnstable Town, MA ranked on this page?

Lenders are ranked only by the number of home loans they closed in Barnstable Town, Massachusetts during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Barnstable Town, Massachusetts for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Barnstable Town. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.