Refinancing lenders in Suffolk County
1,875 refinancing mortgages were made in Suffolk County, Massachusetts, in 2025, by 275 lenders. The median rate their borrowers got was 6.450% on a median loan of $515,000. Of 2,610 decisions, 642 were denials — 24.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 290 | 7.400% | $235,000 | 40.8% |
| Eastern Bank | 107 | 6.990% | $345,000 | 34.6% |
| Leader Bank, National Association | 100 | 6.125% | $600,000 | 1.0% |
| Rocket Mortgage, LLC | 90 | 5.990% | $505,000 | 23.3% |
| GUARANTEED RATE, INC. | 84 | 6.375% | $690,000 | 7.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 68 | 6.470% | $595,000 | 2.9% |
| Rockland Trust Company | 53 | 6.990% | $255,000 | 35.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 53 | 5.999% | $615,000 | 22.9% |
| Bank of America, National Association | 52 | 5.990% | $205,000 | 46.0% |
| EMM LOANS LLC | 40 | 7.125% | $615,000 | 0.0% |
| Manufacturers and Traders Trust Company | 30 | 5.625% | $835,000 | 11.4% |
| JPMorgan Chase Bank, National Association | 27 | 5.875% | $805,000 | 6.9% |
| TD Bank, National Association | 26 | 6.063% | $810,000 | 41.3% |
| Hanscom Federal Credit Union | 26 | 7.000% | $160,000 | 9.7% |
| CMG MORTGAGE, INC. | 25 | 6.125% | $525,000 | 15.2% |
| NEWREZ LLC | 20 | 6.313% | $600,000 | 42.9% |
| Workers Federal Credit Union | 19 | 5.250% | $845,000 | 0.0% |
| MOVEMENT MORTGAGE, LLC | 19 | 6.500% | $615,000 | 5.0% |
| NATIONS DIRECT MORTGAGE, LLC | 19 | 6.500% | $485,000 | 0.0% |
| Hingham Institution for Savings, The | 19 | Not published | $785,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 17 | 6.375% | $595,000 | 10.5% |
| GUILD MORTGAGE COMPANY | 17 | 6.625% | $605,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 16 | 6.188% | $660,000 | 36.0% |
| Brookline Bank | 16 | 6.625% | $455,000 | 23.8% |
| Webster Bank, National Association | 15 | 6.250% | $905,000 | 25.0% |
| Cambridge Savings Bank | 15 | 6.625% | $645,000 | 5.9% |
| Everett Co-operative Bank | 15 | Not published | $655,000 | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 14 | 6.125% | $605,000 | 0.0% |
| MSA MORTGAGE, LLC | 14 | 6.125% | $545,000 | 6.3% |
| FREEDOM MORTGAGE CORPORATION | 13 | 5.750% | $565,000 | 13.0% |
| Salem Five Cents Savings Bank | 13 | 6.520% | $305,000 | 17.7% |
| DIGITAL | 13 | 6.000% | $1,875,000 | 13.3% |
| Middlesex Savings Bank | 13 | 5.750% | $735,000 | 7.1% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 5.990% | $510,000 | 52.5% |
| U.S. Bank National Association | 12 | 6.125% | $505,000 | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 10 | 6.063% | $450,000 | 9.1% |
| NATIONSTAR MORTGAGE LLC | 10 | 5.625% | $540,000 | 21.4% |
| Havard Federal Credit Union | 10 | 6.688% | $260,000 | 0.0% |
| Loandepot.Com, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| NORTHEAST HOME LOAN, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Needham Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NEW FED MORTGAGE, CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| United Nations Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Berkshire Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NFM, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FINANCE OF AMERICA REVERSE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| BAYCOAST MORTGAGE COMPANY, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 8.3% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Cooperative Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Norwood Co-operative Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| T2 FINANCIAL LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Canton | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Wells Fargo Bank, National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Direct Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 33.3% |
| SHARON & CRESCENT UNITED Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CCG Fund 1, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 44.4% |
| RADIUS FINANCIAL GROUP INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| WEBSTER FIRST Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| OAKTREE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Dedham Institution for Savings | 5 | Under 10 loans | Under 10 loans | 16.7% |
| TOTAL MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PNC Bank, National Association | 4 | Under 10 loans | Under 10 loans | 63.6% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| WALKER & DUNLOP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| JMAC LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Winchester Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JEANNE D'ARC Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Washington Trust Company, of Westerly | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| METRO Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First-Citizens Bank & Trust Company | 3 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UniBank for Savings | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Walpole Co-operative Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Bluestone Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROCKLAND Federal Credit Union | 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% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol County Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Florence Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERRIMACK VALLEY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ALIGN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Cornerstone Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 40.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| St. Anne's Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERANT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Winchester Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northern Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Liberty Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| bankESB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Clinton Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BankGloucester | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bangor Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHPOINT MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Centreville Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Avidia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Heritage Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Of Boston Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| HarborOne Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Colorado Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| BOSTON FIREFIGHTERS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Eagle Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| North Easton Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIBERTY BAY CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mechanics Cooperative Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Dean Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Middlesex Federal Savings, F.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| StonehamBank, A Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TREMONT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| International Bank of Chicago | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial and Commercial Bank of China USA, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pentucket Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Marblehead Bank | 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% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBT Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| South Shore Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANFORD Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Main Street Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DREW MORTGAGE ASSOCIATES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 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 75 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.