Refinancing lenders in Barnstable County
1,348 refinancing mortgages were made in Barnstable County, Massachusetts, in 2025, by 217 lenders. The median rate their borrowers got was 6.650% on a median loan of $355,000. Of 1,766 decisions, 360 were denials — 20.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 291 | 7.250% | $215,000 | 25.1% |
| Rockland Trust Company | 114 | 6.990% | $205,000 | 29.8% |
| The Cape Cod Five Cents Savings Bank | 97 | 6.125% | $425,000 | 8.4% |
| Eastern Bank | 90 | 6.990% | $205,000 | 29.8% |
| Rocket Mortgage, LLC | 61 | 5.875% | $455,000 | 19.5% |
| TD Bank, National Association | 45 | 7.440% | $275,000 | 19.6% |
| Bank of America, National Association | 37 | 5.990% | $275,000 | 26.4% |
| Leader Bank, National Association | 32 | 6.188% | $480,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 31 | 6.000% | $495,000 | 8.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | 6.490% | $535,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 24 | 6.500% | $390,000 | 3.9% |
| PHH Mortgage Corporation | 23 | 5.875% | $365,000 | 4.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 23 | 6.125% | $355,000 | 8.0% |
| GUARANTEED RATE, INC. | 21 | 6.375% | $605,000 | 8.7% |
| PENNYMAC LOAN SERVICES, LLC | 18 | 5.990% | $495,000 | 20.8% |
| FREEDOM MORTGAGE CORPORATION | 17 | 6.250% | $435,000 | 0.0% |
| CMG MORTGAGE, INC. | 16 | 6.375% | $435,000 | 0.0% |
| Cape Cod Co-operative Bank | 16 | Not published | $470,000 | 0.0% |
| Loandepot.Com, LLC | 15 | 6.125% | $545,000 | 0.0% |
| Seamen's Bank | 14 | Not published | $610,000 | 6.7% |
| NEWREZ LLC | 13 | 6.250% | $555,000 | 38.1% |
| FINANCE OF AMERICA REVERSE LLC | 13 | 8.990% | $395,000 | 23.5% |
| RADIUS FINANCIAL GROUP INC. | 13 | 6.490% | $505,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 10.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| OCMBC, INC. | 8 | Under 10 loans | Under 10 loans | 7.7% |
| EQUITY RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Martha's Vineyard Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| JPMorgan Chase Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERANT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST CITIZENS' FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 33.3% |
| HARBORONE MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 37.5% |
| KEYSTONE FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Brookline Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NATIONS DIRECT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 59.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Salem Five Cents Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Middlesex Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Webster Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Needham Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SHARON & CRESCENT UNITED Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 25.0% |
| bankESB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cambridge Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DREW MORTGAGE ASSOCIATES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hingham Institution for Savings, The | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROCKLAND Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Everett Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HarborOne Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Berkshire Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NAVIGANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Main Street Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fall River Five Cents Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL1 Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bay State Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 90.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Bluestone Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEOMINSTER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northern Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTRISE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALIGN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Island Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Lowell Five Cent Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Institution for Savings in Newburyport and Its Vicinity | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North Easton Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake Forest Bank & Trust Company, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Atlantic Coast Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watertown Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST HOME LOAN, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Winchester Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Middlesex Federal Savings, F.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JEANNE D'ARC Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERRIMACK VALLEY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300MPZDD9EFQ1E963 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BOSTON FIREFIGHTERS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dedham Institution for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Camden National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alden Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Havard Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| S&T Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 66.7% |
| The Washington Trust Company, of Westerly | 0 | Under 10 loans | Under 10 loans | Not published |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Direct Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bristol County Savings Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesBank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Equity Prime Mortgage LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Millbury National Bank | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AmeriSave Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Cornerstone First Mortgage, Inc | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| City Of Boston Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| LADERA LENDING, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Co-operative Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| OCEANSIDE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| LIBERTY BAY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| WILLIAM RAVEIS MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MSA MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Dean Co-operative Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| EMM LOANS LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| UNIVERSITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| SALEM FIVE MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| University Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| UniBank for Savings | 0 | Under 10 loans | Under 10 loans | Not published |
| The Village Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 17 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.