Cash-out refinancing lenders in Middlesex County
2,894 cash-out refinancing mortgages were made in Middlesex County, Massachusetts, in 2025, by 310 lenders. The median rate their borrowers got was 6.990% on a median loan of $315,000. Of 3,860 decisions, 872 were denials — 22.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 574 | 8.375% | $175,000 | 15.1% |
| DIGITAL | 145 | 7.750% | $205,000 | 22.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 124 | 7.336% | $390,000 | 25.7% |
| JEANNE D'ARC Credit Union | 117 | 7.500% | $165,000 | 13.8% |
| Workers Federal Credit Union | 97 | 7.000% | $255,000 | 16.0% |
| AmeriSave Mortgage Corporation | 72 | 8.125% | $155,000 | 63.5% |
| GUARANTEED RATE, INC. | 71 | 6.675% | $515,000 | 15.1% |
| Leader Bank, National Association | 70 | 6.125% | $405,000 | 2.7% |
| NEWREZ LLC | 69 | 7.875% | $205,000 | 56.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 68 | 6.838% | $475,000 | 8.1% |
| Cambridge Savings Bank | 66 | 6.990% | $305,000 | 8.2% |
| METRO Credit Union | 53 | 7.000% | $175,000 | 15.9% |
| Loandepot.Com, LLC | 49 | 6.575% | $275,000 | 22.1% |
| FREEDOM MORTGAGE CORPORATION | 40 | 6.250% | $420,000 | 28.1% |
| MOVEMENT MORTGAGE, LLC | 39 | 6.812% | $505,000 | 4.7% |
| PENNYMAC LOAN SERVICES, LLC | 33 | 6.490% | $405,000 | 20.5% |
| Northern Bank & Trust Company | 32 | 8.000% | $205,000 | 10.5% |
| Broker Solutions, Inc. | 31 | 6.990% | $395,000 | 29.5% |
| JPMorgan Chase Bank, National Association | 31 | 6.500% | $685,000 | 18.4% |
| NATIONSTAR MORTGAGE LLC | 30 | 6.438% | $325,000 | 32.6% |
| CMG MORTGAGE, INC. | 24 | 6.785% | $450,000 | 18.8% |
| Citizens Bank, National Association | 23 | 6.750% | $485,000 | 30.6% |
| U.S. Bank National Association | 22 | 7.000% | $355,000 | 23.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 21 | 6.125% | $435,000 | 39.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 20 | 7.880% | $210,000 | 9.1% |
| GUILD MORTGAGE COMPANY | 20 | 6.750% | $410,000 | 12.5% |
| QUORUM FEDERAL CREDIT UNION | 20 | 8.625% | $155,000 | 28.6% |
| St. Mary's Credit Union | 19 | 7.000% | $105,000 | 27.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 19 | 9.750% | $890,000 | 0.0% |
| The Village Bank | 19 | Not published | $2,375,000 | 0.0% |
| Eastern Bank | 17 | 5.875% | $755,000 | 43.3% |
| Fairway Independent Mortgage Corporation | 16 | 6.813% | $395,000 | 20.0% |
| LOWER, LLC | 15 | 7.875% | $325,000 | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 15 | 6.750% | $595,000 | 11.8% |
| Fidelity Co-operative Bank | 15 | 5.990% | $165,000 | 25.0% |
| Metrowest Community Federal Credit Union | 15 | Not published | $145,000 | 6.3% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.125% | $385,000 | 35.7% |
| Wells Fargo Bank, National Association | 14 | 6.813% | $360,000 | 12.5% |
| Middlesex Savings Bank | 14 | 5.500% | $505,000 | 11.8% |
| A&D Mortgage LLC | 14 | 7.120% | $295,000 | 0.0% |
| OCMBC, INC. | 13 | 7.875% | $395,000 | 15.8% |
| Everett Co-operative Bank | 13 | Not published | $215,000 | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 13 | 6.875% | $535,000 | 0.0% |
| Hanscom Federal Credit Union | 12 | 6.183% | $325,000 | 20.0% |
| AMWEST FUNDING CORP. | 12 | 6.688% | $425,000 | 20.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 11 | 5.750% | $445,000 | 0.0% |
| General Mortgage Capital Corporation | 11 | 6.750% | $755,000 | 8.3% |
| Reading Co-Operative Bank | 10 | Not published | $350,000 | 28.6% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 10 | 6.625% | $320,000 | 7.7% |
| The Savings Bank | 10 | Not published | $230,000 | 23.1% |
| Bank of America, National Association | 10 | 6.125% | $440,000 | 23.1% |
| RADIUS FINANCIAL GROUP INC. | 10 | 6.875% | $425,000 | 9.1% |
| Avidia Bank | 10 | Not published | $390,000 | 9.1% |
| NORTHPOINT MORTGAGE, INC. | 10 | 6.813% | $550,000 | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 10 | 6.875% | $385,000 | 0.0% |
| The Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Rockland Trust Company | 9 | Under 10 loans | Under 10 loans | 43.8% |
| NEW FED MORTGAGE, CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ROCKLAND Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| TOTAL MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Havard Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| East West Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PHH Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Eagle Bank | 8 | Under 10 loans | Under 10 loans | 9.1% |
| TOP FLITE FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| bankESB | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UniBank for Savings | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 22.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 30.0% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Sierra Pacific Mortgage Company, Inc. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 9.1% |
| USALLIANCE FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| StonehamBank, A Co-operative Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| TD Bank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MORTGAGE EQUITY PARTNERS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| WEBSTER FIRST Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AAA CAPITAL INVESTMENT, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 33.3% |
| HARBORONE MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MSA MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CCG Fund 1, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Winter Hill Bank, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| I-C Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MERRIMACK VALLEY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERANT MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Texana Bank, National Association | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Loan Funder LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 20.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Main Street Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Direct Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank and Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Middlesex Federal Savings, F.A. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Dedham Institution for Savings | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NorthEast Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 57.1% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Bangor Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ALIGN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citibank, National Association | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MLD MORTGAGE INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GFA Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| East Cambridge Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER WORKS | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BayCoast Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fall River Five Cents Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Berkshire Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 50.0% |
| United Nations Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Rhode Island Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Winchester Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MutualOne Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER COMMUNITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOGIX FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Clinton Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TREMONT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ST. JEAN'S Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Camden National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 90.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 87.5% |
| MASS BAY Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| The Washington Trust Company, of Westerly | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Cape Cod Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY BAY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Newburyport Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY CREDIT UNION OF LYNN | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BankNewport | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BUILDERS CHOICE MORTGAGE LLC | 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 110 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Middlesex County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.