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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Essex County, Massachusetts

Fat Boy Data analyzed cash-out refinance activity in Essex County, Massachusetts to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 5,726 applications were decided by 262 lenders between 2023 and 2025.

Essex County at a glance

262Active lenders51 with 20+ decisions
70.6%Market approval rate4,044 of 5,726 decided
$255KTypical loanmedian lender, $10K brackets
96%Borrower take-up3,897 loans funded

How Essex County compares

Approval rate compared
Essex County70.6%Massachusetts71.0%All 616 counties68.2%
Typical loan compared
Essex County$255KMassachusetts$175KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Essex County, MA, 971 of them.

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 24.

The typical cash-out refinance here is $255K, 46% larger than the Massachusetts typical of $175K.

Approval rate of all 51 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 18% approved of 57Lakeview Loan Servicing, LLC: 21% approved of 68Amerisave Mortgage Corporation: 31% approved of 380Wells Fargo Bank, National Association: 45% approved of 33Mutual of Omaha Mortgage, Inc.: 49% approved of 100Newrez LLC: 49% approved of 332American Financing Corporation: 50% approved of 20New American Funding, LLC: 51% approved of 88Service Federal Credit Union: 52% approved of 31Eastern Bank: 61% approved of 38Citizens Bank, National Association: 61% approved of 36The Federal Savings Bank: 62% approved of 39First Technology: 62% approved of 210Webster First Federal Credit Union: 63% approved of 30Loandepot.Com, LLC: 64% approved of 182Primelending, A Plainscapital Company: 65% approved of 20Navy Federal Credit Union: 68% approved of 37Newburyport Five Cents Savings Bank: 70% approved of 30Workers Federal Credit Union: 70% approved of 47Freedom Mortgage Corporation: 71% approved of 93Pennymac Loan Services, LLC: 71% approved of 94Pentucket Bank: 71% approved of 28Guaranteed Rate, Inc.: 74% approved of 111U.S. Bank National Association: 74% approved of 23Nationstar Mortgage LLC: 74% approved of 123Manufacturers and Traders Trust Company: 75% approved of 28Guild Mortgage Company LLC: 75% approved of 81United Wholesale Mortgage, LLC: 77% approved of 248Jeanne D'Arc Credit Union: 78% approved of 63Everett Co-operative Bank: 80% approved of 40ST. JEAN'S Credit Union: 80% approved of 41Fairway Independent Mortgage Corporation: 81% approved of 47Flagstar Bank, National Association: 82% approved of 49TruNorth Bank: 82% approved of 28Msa Mortgage, LLC: 83% approved of 23JPMorgan Chase Bank, National Association: 83% approved of 47METRO Credit Union: 84% approved of 115Rocket Mortgage, LLC: 84% approved of 1,182Marblehead Bank: 86% approved of 22Onity Mortgage Corporation: 88% approved of 24Salem Five Mortgage Company, LLC: 88% approved of 84Sofi Bank, N.A.tional Association: 88% approved of 34New Fed Mortgage, Corp.: 90% approved of 41Reading Co-Operative Bank: 91% approved of 22Movement Mortgage, LLC: 92% approved of 61The Savings Bank: 93% approved of 27Brightbridge Credit Union: 93% approved of 29Crosscountry Mortgage, LLC: 94% approved of 110Leader Bank, National Association: 95% approved of 61Mortgage Equity Partners LLC: 95% approved of 22Reliance First Capital, LLC: 100% approved of 24

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Essex County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC84%998 / 1,18297%$165K971
2Amerisave Mortgage Corporation31%117 / 38097%$115K114
3Newrez LLC49%163 / 33299%$125K161
4United Wholesale Mortgage, LLCBroker only77%190 / 24896%$305K182
5First Technology62%131 / 21098%$155K128

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 257 more lenders.

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