What people paid for mortgages in Barnstable County, MA (2025)

Across 1,549 closed home-purchase loans in 2025, the median interest rate in Barnstable was 6.5%, and the middle half of borrowers got between 6.124% and 6.875%. Median total loan costs ran $5,218 on a median loan of $485,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 6.124%–6.875%
Median total loan costs: $5,218
Median loan amount: $485,000

1,549 loans, 2025.

Refinance

Median rate: 6.375%
Middle half of rates: 5.875%–6.99%
Median total loan costs: $5,780
Median loan amount: $395,000

1,113 loans, 2025.

Lowest median rates in Barnstable (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.Leader Bank, National Association6.125%111 loans, median costs $5,043
2.Rockland Trust Company6.433%32 loans, median costs $4,522
3.GUARANTEED RATE, INC.6.495%30 loans, median costs $5,940
4.The Cape Cod Five Cents Savings Bank6.5%338 loans, median costs $4,156
5.Rocket Mortgage, LLC6.5%54 loans, median costs $7,508

Among lenders with at least 30 closed purchase loans in Barnstable County in 2025.

Refinance

1.Rocket Mortgage, LLC5.99%119 loans, median costs $9,005
2.Loandepot.Com, LLC5.99%36 loans, median costs $10,304
3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.123%48 loans, median costs $10,500
4.The Cape Cod Five Cents Savings Bank6.5%175 loans, median costs $3,528
5.Citizens Bank, National Association6.9%125 loans, median costs $4,309

Among lenders with at least 30 closed refinance loans in Barnstable County in 2025.

Lender by lender in Barnstable

Every lender that closed at least 5 qualifying loans in Barnstable County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	The Cape Cod Five Cents Savings Bank	338	6.5%	$4,156	$899	$646
2	Leader Bank, National Association	111	6.125%	$5,043	$1,499	$911
3	CROSSCOUNTRY MORTGAGE, INC.	90	6.625%	$6,104	$1,590	$1,929
4	Cape Cod Co-operative Bank	69	n/a	n/a	n/a	n/a
5	CMG MORTGAGE, INC.	64	6.625%	$6,034	$1,920	$2,745
6	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	60	6.625%	$9,067	$2,362	$1,291
7	Rocket Mortgage, LLC	54	6.5%	$7,508	$4,430	$4,796
8	Citizens Bank, National Association	39	6.5%	$6,972	$2,191	$2,029
9	Rockland Trust Company	32	6.433%	$4,522	$1,450	$704
10	GUARANTEED RATE, INC.	30	6.495%	$5,940	$1,640	$2,305
11	Fairway Independent Mortgage Corporation	25	6.75%	$5,625	$2,073	$2,729
12	RADIUS FINANCIAL GROUP INC.	21	6.625%	$5,139	$1,674	$2,081
13	Seamen's Bank	21	n/a	n/a	n/a	n/a
14	KEYSTONE FUNDING, INC.	20	6.625%	$4,893	$1,240	$95
15	Mortgage Research Center, LLC	20	6.25%	$12,884	$2,950	$1,493
16	MOVEMENT MORTGAGE, LLC	19	6.5%	$5,342	$1,745	$470
17	TD Bank, National Association	18	6.5%	$4,736	$950	$2,500
18	Loandepot.Com, LLC	17	6.625%	$5,541	$1,790	$3,313
19	NEWREZ LLC	16	6.25%	$9,430	$1,523	$2,298
20	PENNYMAC LOAN SERVICES, LLC	14	6.5%	$6,490	$1,204	$3,559
21	Morgan Stanley Private Bank, National Association	13	5.5%	$6,266	$815	n/a
22	MUTUAL OF OMAHA MORTGAGE, INC.	13	6.625%	$13,878	$3,827	$1,907
23	Bank of America, National Association	13	6%	$4,967	$1,250	$2,886
24	WILLIAM RAVEIS MORTGAGE, LLC	12	6.375%	$5,273	$1,890	n/a
25	PRIMELENDING, A PLAINSCAPITAL COMPANY	11	6.49%	$7,295	$2,698	$1,636
26	Prosperity Home Mortgage, LLC	11	6.125%	$5,717	$1,999	$1,740
27	First National Bank of America	10	8.75%	$16,888	$13,670	n/a
28	SALEM FIVE MORTGAGE COMPANY, LLC	10	6.058%	$4,529	$1,295	$1,559
29	JPMorgan Chase Bank, National Association	10	6.49%	$4,487	$1,509	$1,370
30	GUARANTEED RATE AFFINITY, LLC	9	6.375%	$5,389	$2,474	$1,296
31	GUILD MORTGAGE COMPANY	9	6.625%	$5,202	$1,683	$968
32	HARBORONE MORTGAGE, LLC	9	6.375%	$4,516	$1,545	$57
33	Navy Federal Credit Union	8	6.25%	$3,159	$0	n/a
34	OCMBC, INC.	8	7.749%	$16,368	$12,465	$1,567
35	Sierra Pacific Mortgage Company, Inc.	7	6.5%	$12,053	$4,147	n/a
36	Presidential Bank, FSB	7	6.25%	$13,583	$1,192	$1,541
37	FIRST CITIZENS' FEDERAL CREDIT UNION	7	n/a	n/a	n/a	n/a
38	Broker Solutions, Inc.	7	6.75%	$5,304	$1,690	$707
39	BAYCOAST MORTGAGE COMPANY, LLC	7	6.625%	$4,825	$1,490	n/a
40	Northpointe Bank	7	6.5%	$5,808	$2,553	$1,540

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Barnstable figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in Barnstable County in 2025?

The median interest rate on closed home-purchase loans in Barnstable County, Massachusetts in 2025 was 6.5%, across 1,549 first-lien, owner-occupied loans. The middle half of borrowers got between 6.124% and 6.875%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.