Cash-out refinancing lenders in Suffolk County
892 cash-out refinancing mortgages were made in Suffolk County, Massachusetts, in 2025, by 228 lenders. The median rate their borrowers got was 6.875% on a median loan of $455,000. Of 1,423 decisions, 469 were denials — 33.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 111 | 7.250% | $235,000 | 35.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 56 | 7.311% | $425,000 | 31.0% |
| Workers Federal Credit Union | 37 | 5.750% | $885,000 | 2.5% |
| NEWREZ LLC | 27 | 7.125% | $415,000 | 69.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 26 | 6.995% | $495,000 | 7.1% |
| METRO Credit Union | 25 | 6.500% | $225,000 | 10.0% |
| AmeriSave Mortgage Corporation | 24 | 9.125% | $100,000 | 71.0% |
| GUARANTEED RATE, INC. | 24 | 6.875% | $625,000 | 14.3% |
| JPMorgan Chase Bank, National Association | 22 | 6.235% | $825,000 | 17.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 17 | 10.250% | $1,245,000 | 0.0% |
| Loandepot.Com, LLC | 16 | 6.500% | $420,000 | 51.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.250% | $465,000 | 30.4% |
| Leader Bank, National Association | 13 | 6.625% | $425,000 | 6.7% |
| MSA MORTGAGE, LLC | 13 | 6.250% | $625,000 | 13.3% |
| FREEDOM MORTGAGE CORPORATION | 12 | 6.250% | $385,000 | 35.0% |
| PENNYMAC LOAN SERVICES, LLC | 12 | 6.624% | $575,000 | 36.8% |
| City Of Boston Credit Union | 12 | Not published | $185,000 | 40.0% |
| Citizens Bank, National Association | 11 | 6.500% | $335,000 | 33.3% |
| Eastern Bank | 11 | 6.630% | $900,000 | 38.9% |
| Bank of America, National Association | 11 | 6.375% | $315,000 | 15.4% |
| CMG MORTGAGE, INC. | 10 | 6.875% | $610,000 | 8.3% |
| Logan Finance Corporation | 10 | 7.124% | $715,000 | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| GUILD MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 15.4% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GUARANTEED RATE AFFINITY, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Hometown Equity Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 56.3% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 56.3% |
| Emporium TPO LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| WEBSTER FIRST Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NEW FED MORTGAGE, CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 36.4% |
| The Cooperative Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Everett Co-operative Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CCG Fund 1, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 54.6% |
| Rockland Trust Company | 5 | Under 10 loans | Under 10 loans | 54.6% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Manufacturers and Traders Trust Company | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MLD MORTGAGE INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Northern Bank & Trust Company | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 25.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 14.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 33.3% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TREMONT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Cambridge Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JEANNE D'ARC Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 66.7% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| BOSTON FIREFIGHTERS | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Dedham Institution for Savings | 3 | Under 10 loans | Under 10 loans | 20.0% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROCKLAND Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hanscom Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Reading Co-Operative Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Home Mortgage Alliance Corporation (HMAC) | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Havard Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 25.0% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NORTHPOINT MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Energy Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RIVER WORKS | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| East Cambridge Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Easton | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Norwood Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 92.9% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 71.4% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 85.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BETTER MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Camden National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ML Mortgage Corp. | 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% |
| Winter Hill Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Griffin Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pentucket Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUINCY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY BAY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Direct Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Winchester Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wrentham Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 549300DLBRGR2O0VNZ96 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| T2 FINANCIAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ResMac, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Middlesex Federal Savings, F.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fall River Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Avidia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Village Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALIGN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Mary's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CAKE MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| STG MORTGAGE INC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN INTERNET MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| ST. JEAN'S Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Flagstar Bank, N.A. | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | Not published |
| Quontic Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900CTT87ZKAUTIJ37 | 0 | Under 10 loans | Under 10 loans | Not published |
| LIMA ONE CAPITAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | Not published |
| Nations Lending Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONAL COOPERATIVE BANK, N.A. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ITHINK FINANCIAL Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| MASS BAY Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Walpole Co-operative Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| The Cape Cod Five Cents Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| NORTHEAST HOME LOAN, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST HOME MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Morgan Stanley Private Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Bank of England | 0 | Under 10 loans | Under 10 loans | Not published |
| FLYHOMES MORTGAGE, 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. Another 28 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.