Refinancing lenders in Middlesex County
6,448 refinancing mortgages were made in Middlesex County, Massachusetts, in 2025, by 357 lenders. The median rate their borrowers got was 6.375% on a median loan of $485,000. Of 8,143 decisions, 1,396 were denials — 17.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 1,204 | 7.150% | $305,000 | 27.9% |
| Eastern Bank | 335 | 6.990% | $255,000 | 26.0% |
| GUARANTEED RATE, INC. | 298 | 6.125% | $670,000 | 4.8% |
| Bank of America, National Association | 286 | 5.990% | $255,000 | 21.0% |
| Leader Bank, National Association | 267 | 6.125% | $595,000 | 1.5% |
| Rocket Mortgage, LLC | 256 | 5.990% | $525,000 | 15.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 198 | 6.125% | $615,000 | 2.4% |
| Middlesex Savings Bank | 159 | 6.750% | $225,000 | 7.4% |
| TD Bank, National Association | 152 | 7.190% | $325,000 | 18.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 150 | 5.999% | $525,000 | 14.5% |
| Rockland Trust Company | 111 | 6.990% | $385,000 | 30.1% |
| U.S. Bank National Association | 101 | 6.000% | $875,000 | 7.1% |
| Hanscom Federal Credit Union | 99 | 7.000% | $205,000 | 15.3% |
| NATIONS DIRECT MORTGAGE, LLC | 92 | 5.813% | $565,000 | 1.1% |
| MOVEMENT MORTGAGE, LLC | 87 | 6.062% | $605,000 | 3.1% |
| Salem Five Cents Savings Bank | 85 | 5.990% | $255,000 | 11.1% |
| Manufacturers and Traders Trust Company | 83 | 5.750% | $755,000 | 18.1% |
| Cambridge Savings Bank | 81 | 6.990% | $305,000 | 5.8% |
| T2 FINANCIAL LLC | 69 | 6.500% | $595,000 | 4.1% |
| JPMorgan Chase Bank, National Association | 68 | 6.125% | $585,000 | 5.5% |
| CMG MORTGAGE, INC. | 66 | 6.125% | $540,000 | 2.9% |
| GUILD MORTGAGE COMPANY | 64 | 6.125% | $600,000 | 2.9% |
| Brookline Bank | 62 | 7.250% | $310,000 | 23.5% |
| FREEDOM MORTGAGE CORPORATION | 58 | 6.250% | $595,000 | 7.0% |
| PENNYMAC LOAN SERVICES, LLC | 51 | 5.990% | $605,000 | 11.3% |
| Fairway Independent Mortgage Corporation | 49 | 6.125% | $635,000 | 9.3% |
| Loandepot.Com, LLC | 47 | 5.990% | $495,000 | 20.0% |
| United Nations Federal Credit Union | 47 | 5.625% | $905,000 | 0.0% |
| Needham Bank | 46 | 6.938% | $415,000 | 17.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 40 | 5.995% | $500,000 | 4.7% |
| NEWREZ LLC | 37 | 6.125% | $585,000 | 36.9% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 36 | 5.750% | $605,000 | 12.2% |
| General Mortgage Capital Corporation | 36 | 5.750% | $540,000 | 0.0% |
| Webster Bank, National Association | 35 | 6.250% | $835,000 | 13.6% |
| JEANNE D'ARC Credit Union | 34 | 5.990% | $480,000 | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 31 | 5.990% | $745,000 | 2.9% |
| LONGBRIDGE FINANCIAL, LLC | 31 | 6.375% | $365,000 | 11.1% |
| LAKEVIEW LOAN SERVICING, LLC | 30 | 6.058% | $505,000 | 53.8% |
| Third Federal Savings and Loan Association of Cleveland | 29 | 6.990% | $255,000 | 22.0% |
| Berkshire Bank | 29 | 5.500% | $805,000 | 13.9% |
| MERRIMACK VALLEY | 29 | 7.000% | $225,000 | 6.3% |
| MLD MORTGAGE INC. | 29 | 6.000% | $535,000 | 3.3% |
| NEW FED MORTGAGE, CORP. | 28 | 6.500% | $540,000 | 0.0% |
| Winchester Co-operative Bank | 28 | Not published | $505,000 | 6.7% |
| PHH Mortgage Corporation | 27 | 5.875% | $545,000 | 12.9% |
| Workers Federal Credit Union | 26 | 5.375% | $760,000 | 3.3% |
| bankESB | 26 | 6.188% | $290,000 | 6.9% |
| Havard Federal Credit Union | 26 | 6.990% | $210,000 | 10.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 25 | 5.995% | $655,000 | 6.1% |
| NATIONSTAR MORTGAGE LLC | 25 | 5.990% | $505,000 | 24.2% |
| HARBORONE MORTGAGE, LLC | 24 | 5.938% | $570,000 | 14.3% |
| DIGITAL | 23 | 5.750% | $395,000 | 28.1% |
| EMM LOANS LLC | 23 | 6.750% | $575,000 | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 23 | 6.375% | $645,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 21 | 6.025% | $595,000 | 4.6% |
| PNC Bank, National Association | 20 | 5.990% | $235,000 | 28.6% |
| ALIGN CREDIT UNION | 19 | 5.490% | $165,000 | 28.6% |
| UNION HOME MORTGAGE CORP. | 19 | 6.125% | $525,000 | 0.0% |
| Colorado Federal Savings Bank | 18 | 6.188% | $595,000 | 10.0% |
| FINANCE OF AMERICA REVERSE LLC | 18 | 6.563% | $335,000 | 18.2% |
| EMBRACE HOME LOANS, INC. | 18 | 6.375% | $745,000 | 9.5% |
| Northpointe Bank | 17 | 5.990% | $635,000 | 22.7% |
| NBKC BANK | 17 | 5.875% | $565,000 | 22.7% |
| The Lowell Five Cent Savings Bank | 17 | Not published | $355,000 | 5.0% |
| Watertown Savings Bank | 15 | Not published | $595,000 | 0.0% |
| NORTHEAST HOME LOAN, LLC | 14 | 6.625% | $765,000 | 6.7% |
| East Cambridge Savings Bank | 13 | Not published | $605,000 | 13.3% |
| MEMBERS MORTGAGE COMPANY, INC. | 13 | 5.375% | $725,000 | 0.0% |
| Broker Solutions, Inc. | 12 | 6.125% | $600,000 | 7.7% |
| Citibank, National Association | 12 | 5.563% | $1,245,000 | 0.0% |
| SHARON & CRESCENT UNITED Credit Union | 12 | 5.500% | $625,000 | 14.3% |
| MORTGAGE EQUITY PARTNERS LLC | 12 | 6.125% | $605,000 | 0.0% |
| Charles Schwab Bank, SSB | 12 | 5.388% | $1,110,000 | 0.0% |
| Washington Savings Bank | 11 | Not published | $345,000 | 23.5% |
| LEOMINSTER CREDIT UNION | 11 | Not published | $205,000 | 21.4% |
| TOTAL MORTGAGE SERVICES, LLC | 11 | 6.125% | $575,000 | 0.0% |
| Wells Fargo Bank, National Association | 11 | 5.875% | $1,055,000 | 8.3% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 11 | 6.125% | $545,000 | 0.0% |
| Middlesex Federal Savings, F.A. | 11 | Not published | $1,035,000 | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 11 | 6.125% | $515,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 10 | 5.813% | $455,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 7.1% |
| BAYCOAST MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Enterprise Bank and Trust Company | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Everett Co-operative Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Dart Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Bangor Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NQM FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 30.8% |
| ALLIANT CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MSA MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| East West Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| FBC MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Canton | 8 | Under 10 loans | Under 10 loans | 11.1% |
| UniBank for Savings | 8 | Under 10 loans | Under 10 loans | 11.1% |
| DREW MORTGAGE ASSOCIATES, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 75.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 7 | Under 10 loans | Under 10 loans | 23.1% |
| Institution for Savings in Newburyport and Its Vicinity | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMERICAN INTERNET MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Service Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NexBank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Avidia Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Washington Trust Company, of Westerly | 6 | Under 10 loans | Under 10 loans | 38.5% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Direct Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 41.7% |
| Northern Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Reading Co-Operative Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| USALLIANCE FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| The Village Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KEYSTONE FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MID-ISLAND MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 61.5% |
| MILEND, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| WEBSTER FIRST Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| ROCKLAND Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| METRO Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| OriginPoint, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| St. Mary's Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Winter Hill Bank, FSB | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hingham Institution for Savings, The | 4 | Under 10 loans | Under 10 loans | 20.0% |
| VISTA POINT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Cape Cod Five Cents Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| St. Anne's Credit Union | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Eagle Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Watermark Capital, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Fall River Five Cents Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 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% |
| BankGloucester | 3 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 77.8% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 57.1% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 75.0% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Main Street Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HarborOne Bank | 2 | Under 10 loans | Under 10 loans | 66.7% |
| CENTRAL ONE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Triangle Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bluestone Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| StonehamBank, A Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Dedham Institution for Savings | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Norwood Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Clinton Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PeoplesBank | 2 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 157 lenders each made 2 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.