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home improvement loan lenders · HMDA 2023–2025

Home improvement loan lenders in Barnstable County, Massachusetts

Fat Boy Data analyzed home improvement loan activity in Barnstable County, Massachusetts to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,237 applications were decided by 133 lenders between 2023 and 2025.

Barnstable County at a glance

133Active lenders17 with 20+ decisions
71.4%Market approval rate3,023 of 4,237 decided
$105KTypical loanmedian lender, $10K brackets
96%Borrower take-up2,908 loans funded

How Barnstable County compares

Approval rate compared
Barnstable County71.4%Massachusetts67.4%All 616 counties62.7%
Typical loan compared
Barnstable County$105KMassachusetts$105KAll 616 counties$75K

What the data shows

The Cape Cod Five Cents Savings Bank made the most home improvement loans in Barnstable County, MA, 1,042 of them.

That is 36% of every home improvement loan originated here, so this market is unusually concentrated in one lender.

Cape & Coast Bank approved the highest share of applications among lenders with at least 20 decisions here, 94% of 78.

No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.

Approval rate of all 17 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 23% approved of 88Bank of America, National Association: 51% approved of 275Fall River Five Cents Savings Bank: 60% approved of 35First Technology: 64% approved of 42Citizens Bank, National Association: 65% approved of 709Figure Lending LLC: 66% approved of 61Rockland Trust Company: 66% approved of 509Navy Federal Credit Union: 68% approved of 37TD Bank, National Association: 68% approved of 184Eastern Bank: 72% approved of 293Hanscom: 79% approved of 39Service Federal Credit Union: 81% approved of 57Direct Federal Credit Union: 81% approved of 21Salem Five Cents Savings Bank: 83% approved of 29The Cape Cod Five Cents Savings Bank: 83% approved of 1,278ROCKLAND Federal Credit Union: 89% approved of 62Cape & Coast Bank: 94% approved of 78

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Home improvement loan lenders in Barnstable County

LenderApprovalApprovedTaken upTypical loanLoans made
1The Cape Cod Five Cents Savings Bank83%1,065 / 1,27898%$105K1,042
2Citizens Bank, National Association65%459 / 70997%$185K444
3Rockland Trust Company66%336 / 50994%$125K316
4Eastern Bank72%212 / 29394%$105K200
5Bank of America, National Association51%139 / 275100%$105K139

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 128 more lenders.

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You are seeing the 5 largest home improvement loan lenders in Barnstable County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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