Mortgage lending in Middlesex County, Massachusetts
Lenders in Middlesex County, Massachusetts reported 44,912 mortgage applications for 2025, according to the CFPB.
44,912 mortgage applications and 29,149 loans originated in 2025; the denial rate was 16.9% of 36,311 applications decided. The median loan was about $455,000. 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, Lowell, MA HUD Metro FMR Area.
- 44,912
- Applications
- 29,149
- Loans originated
- 16.9%
- Denial rate
- 6,149 denied of 36,311 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 44,912 | 29,149 |
| 2024 | 39,388 | 25,065 |
| 2023 | 36,284 | 23,032 |
| 2022 | 57,320 | 38,172 |
| 2021 | 114,719 | 82,485 |
| 2020 | 121,494 | 86,183 |
| 2019 | 74,231 | 51,035 |
| 2018 | 61,757 | 40,896 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Citizens Bank, NA | 2,576 | 4,319 |
| Leader Bank NA | 1,710 | 2,065 |
| Guaranteed Rate, Inc. | 1,505 | 2,381 |
| Rocket Mortgage | 1,235 | 1,577 |
| Crosscountry Mortgage, LLC | 1,077 | 1,551 |
| Bank of America NA | 1,033 | 2,004 |
| Eastern Bank | 935 | 1,522 |
| United Wholesale Mortgage | 701 | 957 |
| Middlesex Savings Bank | 634 | 771 |
| Digital Federal Credit Union | 611 | 1,159 |
| TD Bank | 512 | 850 |
| Cambridge Savings Bank | 512 | 627 |
| Rockland Trust Bank | 464 | 790 |
| Jeanne D'arc Credit Union | 438 | 567 |
| M&T Bank | 425 | 586 |
| Workers Federal Credit Union | 419 | 588 |
| Movement Mortgage, LLC | 414 | 498 |
| JPMorgan Chase Bank, NA | 363 | 572 |
| US Bank, N.A. | 347 | 512 |
| Salem Five Mortgage Company LLC | 341 | 413 |
| Fairway Independent Mort Corp | 334 | 460 |
| CMG Mortgage Inc | 317 | 466 |
| Metro Credit Union | 291 | 468 |
| Guild Mortgage Company | 280 | 380 |
| Hanscom Federal Credit Union | 258 | 408 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 123 | 37.1% of 97 decided |
| Asian | 7,042 | 16.6% of 5,539 decided |
| Black or African American | 1,458 | 33.6% of 1,108 decided |
| Native Hawaiian or Other Pacific Islander | 66 | 48.1% of 52 decided |
| White | 27,007 | 16.1% of 22,362 decided |
| 2 or more minority races | 80 | 40.3% of 62 decided |
| Joint | 1,389 | 11.2% of 1,120 decided |
| Free Form Text Only | 16 | no rate: base under 50 |
| Race Not Available | 7,731 | 17.5% of 5,958 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 2,634 | 28.9% of 2,128 decided |
| Not Hispanic or Latino | 33,747 | 15.9% of 27,534 decided |
| Joint | 990 | 12.1% of 792 decided |
| Ethnicity Not Available | 7,500 | 17.8% of 5,822 decided |
| Free Form Text Only | 41 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 13,138 | 21.8% of 10,419 decided |
| Female | 8,730 | 21.2% of 6,995 decided |
| Joint | 18,904 | 12.1% of 15,701 decided |
| Sex Not Available | 4,140 | 15.7% of 3,196 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. 50 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