Refinancing lenders in Hampshire County
437 refinancing mortgages were made in Hampshire County, Massachusetts, in 2025, by 102 lenders. The median rate their borrowers got was 6.250% on a median loan of $205,000. Of 564 decisions, 91 were denials — 16.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Florence Bank | 75 | 5.990% | $205,000 | 16.0% |
| bankESB | 37 | 5.990% | $105,000 | 15.6% |
| PeoplesBank | 37 | 6.250% | $125,000 | 11.6% |
| Citizens Bank, National Association | 32 | 7.650% | $150,000 | 26.9% |
| Country Bank for Savings | 24 | 7.500% | $125,000 | 10.3% |
| Westfield Bank | 24 | 5.990% | $215,000 | 3.6% |
| Rocket Mortgage, LLC | 14 | 6.120% | $265,000 | 16.7% |
| Greenfield Savings Bank | 12 | 6.500% | $385,000 | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 11 | 6.500% | $295,000 | 0.0% |
| TD Bank, National Association | 10 | 7.440% | $190,000 | 9.1% |
| FREEDOM MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 16.7% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 12.5% |
| Alden Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| UMASSFIVE COLLEGE | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Greenfield Co-operative Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Berkshire Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| POLISH NATIONAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LAKEVIEW LOAN SERVICING, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| HOLYOKE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Loandepot.Com, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| JPMorgan Chase Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HARBORONE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER ADVANTAGE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MassMutual Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Community Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Salem Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEOMINSTER CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINEX CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HarborOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MARKETS CUSO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Adams Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Rockland Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBERS MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Monson Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NQM FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | Not published |
| Loan Funder LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Hanscom Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Click n' Close, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Kiavi Funding, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NATIONWIDE MORTGAGE BANKERS, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ALLIANT CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| GREYLOCK FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| DAS Acquisition Company, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Eastern Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 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.
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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.