Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Barnstable County, Massachusetts
Every institution that decided a 1–4 unit mortgage application in Barnstable County, home to Barnstable Town, between 2023 and 2025: 22,844 applications, 18,075 loans actually funded, across 8 kinds of borrowing.
Barnstable County at a glance
22,844Applications decided
2023–2025
18,075Loans funded
79% of decisions
56Census tracts
33 ZIP codes
230,073People
ACS 2023
What the data shows
The typical purchase mortgage here is $465K.
Investment home improvement is the hardest money to get here: lenders approved 68% of 1,013 applications.
Lending by loan type in Barnstable County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 90.2% | 5,840 | $465K | 97% | 294 |
| Home improvement loans | 71.4% | 4,237 | $105K | 96% | 133 |
| Cash-out refinance | 75.7% | 3,145 | $185K | 97% | 185 |
| Refinance | 77.4% | 3,100 | $205K | 96% | 185 |
| Investment property purchase | 93.9% | 4,065 | $505K | 98% | 343 |
| Investment cash-out refinance | 76.6% | 676 | $385K | 93% | 161 |
| Investment refinance | 77.0% | 768 | $435K | 97% | 160 |
| Investment home improvement | 67.7% | 1,013 | $205K | 96% | 111 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.