Mortgage lending in Essex County, Massachusetts
Lenders in Essex County, Massachusetts reported 25,029 mortgage applications for 2025, according to the CFPB.
25,029 mortgage applications and 15,571 loans originated in 2025; the denial rate was 21.1% of 20,495 applications decided. The median loan was about $385,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area, Lawrence, MA-NH HUD Metro FMR Area.
- 25,029
- Applications
- 15,571
- Loans originated
- 21.1%
- Denial rate
- 4,326 denied of 20,495 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 25,029 | 15,571 |
| 2024 | 22,452 | 13,631 |
| 2023 | 20,475 | 12,430 |
| 2022 | 31,989 | 20,281 |
| 2021 | 60,324 | 42,010 |
| 2020 | 63,609 | 44,295 |
| 2019 | 41,608 | 27,809 |
| 2018 | 34,601 | 22,129 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Citizens Bank, NA | 1,020 | 1,729 |
| Eastern Bank | 810 | 1,437 |
| Guaranteed Rate, Inc. | 795 | 1,219 |
| Crosscountry Mortgage, LLC | 763 | 1,067 |
| Rocket Mortgage | 742 | 952 |
| Leader Bank NA | 594 | 712 |
| Salem Five Cents Savings Bank | 521 | 800 |
| United Wholesale Mortgage | 493 | 653 |
| Salem Five Mortgage Company LLC | 426 | 548 |
| Bank of America NA | 409 | 867 |
| TD Bank | 377 | 733 |
| Institution for Savings | 281 | 382 |
| M&T Bank | 253 | 450 |
| Bankesb | 225 | 281 |
| Brightbridge Credit Union | 224 | 313 |
| Digital Federal Credit Union | 206 | 459 |
| Metro Credit Union | 199 | 320 |
| Total Mortgage Services, LLC | 184 | 230 |
| CMG Mortgage Inc | 182 | 276 |
| loanDepot.com LLC | 175 | 278 |
| New Fed Mortgage Corp. | 169 | 206 |
| Rockland Trust Bank | 169 | 361 |
| Movement Mortgage, LLC | 168 | 231 |
| Guild Mortgage Company | 147 | 210 |
| American Neighborhood Mortgage Acceptance Company | 147 | 210 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 142 | 39.5% of 114 decided |
| Asian | 1,010 | 24.8% of 797 decided |
| Black or African American | 1,184 | 35.5% of 957 decided |
| Native Hawaiian or Other Pacific Islander | 64 | 37.7% of 53 decided |
| White | 17,388 | 19.0% of 14,530 decided |
| 2 or more minority races | 64 | 36.5% of 52 decided |
| Joint | 477 | 16.4% of 384 decided |
| Free Form Text Only | 21 | no rate: base under 50 |
| Race Not Available | 4,679 | 24.4% of 3,591 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 4,271 | 31.7% of 3,401 decided |
| Not Hispanic or Latino | 16,525 | 18.4% of 13,755 decided |
| Joint | 508 | 19.9% of 413 decided |
| Ethnicity Not Available | 3,705 | 21.7% of 2,908 decided |
| Free Form Text Only | 20 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 7,741 | 26.5% of 6,216 decided |
| Female | 5,386 | 25.5% of 4,429 decided |
| Joint | 9,820 | 14.7% of 8,241 decided |
| Sex Not Available | 2,082 | 20.9% of 1,609 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 100 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved