Refinancing lenders in Essex County
3,159 refinancing mortgages were made in Essex County, Massachusetts, in 2025, by 281 lenders. The median rate their borrowers got was 6.490% on a median loan of $385,000. Of 4,126 decisions, 805 were denials — 19.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 414 | 7.400% | $225,000 | 25.7% |
| Eastern Bank | 321 | 6.990% | $205,000 | 26.6% |
| Salem Five Cents Savings Bank | 172 | 5.990% | $220,000 | 11.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 134 | 6.245% | $555,000 | 2.2% |
| TD Bank, National Association | 121 | 7.640% | $185,000 | 28.2% |
| Rocket Mortgage, LLC | 111 | 5.990% | $485,000 | 19.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 109 | 5.999% | $535,000 | 13.0% |
| Bank of America, National Association | 106 | 5.990% | $210,000 | 25.9% |
| GUARANTEED RATE, INC. | 93 | 6.125% | $595,000 | 10.5% |
| Leader Bank, National Association | 82 | 6.125% | $565,000 | 0.0% |
| MERRIMACK VALLEY | 56 | 7.500% | $105,000 | 14.5% |
| bankESB | 51 | 5.990% | $205,000 | 1.9% |
| Manufacturers and Traders Trust Company | 50 | 5.813% | $265,000 | 23.6% |
| FREEDOM MORTGAGE CORPORATION | 49 | 6.250% | $525,000 | 6.8% |
| Hanscom Federal Credit Union | 40 | 7.000% | $210,000 | 32.8% |
| CMG MORTGAGE, INC. | 40 | 6.875% | $455,000 | 4.1% |
| Cape Ann Savings Bank | 39 | Not published | $405,000 | 10.9% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 38 | 5.990% | $600,000 | 13.6% |
| Institution for Savings in Newburyport and Its Vicinity | 35 | 6.250% | $385,000 | 32.7% |
| Rockland Trust Company | 34 | 6.990% | $265,000 | 39.7% |
| GUILD MORTGAGE COMPANY | 30 | 6.188% | $550,000 | 6.3% |
| ALIGN CREDIT UNION | 29 | 5.490% | $175,000 | 14.3% |
| MOVEMENT MORTGAGE, LLC | 29 | 5.990% | $585,000 | 6.1% |
| NEWREZ LLC | 28 | 6.063% | $610,000 | 37.8% |
| PENNYMAC LOAN SERVICES, LLC | 28 | 6.188% | $545,000 | 12.8% |
| DREW MORTGAGE ASSOCIATES, INC. | 27 | 6.625% | $425,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.125% | $375,000 | 13.3% |
| Brookline Bank | 24 | 7.000% | $320,000 | 20.0% |
| Loandepot.Com, LLC | 24 | 6.188% | $525,000 | 17.2% |
| Fairway Independent Mortgage Corporation | 22 | 6.490% | $530,000 | 11.5% |
| NEW FED MORTGAGE, CORP. | 21 | 6.500% | $515,000 | 12.5% |
| LAKEVIEW LOAN SERVICING, LLC | 20 | 5.990% | $485,000 | 44.3% |
| JPMorgan Chase Bank, National Association | 19 | 6.125% | $445,000 | 13.6% |
| The Lowell Five Cent Savings Bank | 19 | Not published | $845,000 | 13.6% |
| PHH Mortgage Corporation | 18 | 5.995% | $460,000 | 24.0% |
| NATIONSTAR MORTGAGE LLC | 18 | 6.063% | $540,000 | 13.6% |
| LONGBRIDGE FINANCIAL, LLC | 18 | 8.990% | $385,000 | 9.1% |
| Bangor Savings Bank | 17 | 6.500% | $795,000 | 10.5% |
| Third Federal Savings and Loan Association of Cleveland | 16 | 6.990% | $210,000 | 20.0% |
| FINANCE OF AMERICA REVERSE LLC | 14 | 6.563% | $340,000 | 0.0% |
| JEANNE D'ARC Credit Union | 14 | 5.990% | $485,000 | 6.7% |
| Broker Solutions, Inc. | 13 | 6.250% | $475,000 | 23.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 13 | 6.125% | $465,000 | 0.0% |
| U.S. Bank National Association | 13 | 6.125% | $745,000 | 6.7% |
| EMM LOANS LLC | 13 | 6.625% | $415,000 | 7.1% |
| Discover Bank | 12 | 8.000% | $85,000 | 55.6% |
| MSA MORTGAGE, LLC | 12 | 6.313% | $640,000 | 20.0% |
| HARBORONE MORTGAGE, LLC | 11 | 6.000% | $665,000 | 15.4% |
| Cambridge Savings Bank | 11 | 6.990% | $205,000 | 15.4% |
| Colorado Federal Savings Bank | 11 | 6.000% | $435,000 | 8.3% |
| MORTGAGE EQUITY PARTNERS LLC | 11 | 6.125% | $385,000 | 0.0% |
| Webster Bank, National Association | 10 | 6.370% | $530,000 | 47.4% |
| TOTAL MORTGAGE SERVICES, LLC | 10 | 6.313% | $385,000 | 0.0% |
| Newburyport Five Cents Savings Bank | 10 | Not published | $435,000 | 0.0% |
| United Nations Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Reading Co-Operative Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Middlesex Savings Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Workers Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Synergy One Lending, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Havard Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Berkshire Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| PNC Bank, National Association | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 6 | Under 10 loans | Under 10 loans | 62.5% |
| Needham Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Everett Co-operative Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 5 | Under 10 loans | Under 10 loans | 37.5% |
| METRO Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fall River Five Cents Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Marblehead Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citibank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BankGloucester | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 44.4% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cornerstone Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| North Shore Bank, a Co-operative Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Canton | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| The Washington Trust Company, of Westerly | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Liberty Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Home Loan Investment Bank, F.S.B. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Haverhill Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Winchester Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 25.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Direct Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Enterprise Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Winchester Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PeoplesBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LEOMINSTER CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Pentucket Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northern Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Middlesex Federal Savings, F.A. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The National Grand Bank of Marblehead | 2 | Under 10 loans | Under 10 loans | 0.0% |
| StonehamBank, A Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Avidia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NorthEast Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HarborOne Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Salem Co-Operative Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NORWICH COMMERCIAL GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ST. JEAN'S Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| NORTHEAST HOME LOAN, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROCKLAND Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| COMMUNITY CREDIT UNION OF LYNN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| East Cambridge Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Methuen Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MountainOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| APCI Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Norwood Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASS BAY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Primis Mortgage Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER WORKS | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 81 lenders each made 1 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.