refinance lenders · HMDA 2023–2025

Refinance lenders in Essex County, Massachusetts

Fat Boy Data analyzed mortgage 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. 8,130 applications were decided by 278 lenders between 2023 and 2025.

Essex County at a glance

278Active lenders52 with 20+ decisions
77.6%Market approval rate6,312 of 8,130 decided
$215KTypical loanmedian lender, $10K brackets
95%Borrower take-up6,025 loans funded

How Essex County compares

Approval rate compared
Essex County77.6%Massachusetts77.5%All 616 counties76.5%
Typical loan compared
Essex County$215KMassachusetts$225KAll 616 counties$295K

What the data shows

Citizens Bank, National Association made the most mortgage refinances in Essex County, MA, 878 of them.

Drew Mortgage Associates, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 51.

Approval rate of all 52 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 32% approved of 145First Technology: 38% approved of 21Lakeview Loan Servicing, LLC: 52% approved of 96Third Federal Savings And Loan Association Of Cleveland: 56% approved of 59Rockland Trust Company: 57% approved of 101Newrez LLC: 61% approved of 69PNC Bank, National Association: 64% approved of 22Bank of America, National Association: 70% approved of 328Hanscom: 70% approved of 176Citizens Bank, National Association: 72% approved of 1,269Align Credit Union: 72% approved of 127New American Funding, LLC: 73% approved of 22Manufacturers and Traders Trust Company: 73% approved of 129TruNorth Bank: 74% approved of 46Eastern Bank: 74% approved of 1,019TD Bank, National Association: 75% approved of 409Webster Bank, National Association: 76% approved of 29Institution for Savings in Newburyport and Its Vicinity: 78% approved of 163Onity Mortgage Corporation: 79% approved of 47Rocket Mortgage, LLC: 82% approved of 212Beacon Bank And Trust: 82% approved of 66Pennymac Loan Services, LLC: 82% approved of 73Berkshire Bank: 82% approved of 34Harvard University Employees Credit Union: 83% approved of 29Salem Five Mortgage Company, LLC: 83% approved of 84Fairway Independent Mortgage Corporation: 84% approved of 37Loandepot.Com, LLC: 84% approved of 38Longbridge Financial, LLC: 84% approved of 51Cape Ann Savings Bank: 84% approved of 64Salem Five Cents Savings Bank: 85% approved of 500Brightbridge Credit Union: 86% approved of 194U.S. Bank National Association: 86% approved of 29Bangor Savings Bank: 86% approved of 29Mutual of Omaha Mortgage, Inc.: 87% approved of 82United Wholesale Mortgage, LLC: 88% approved of 192Msa Mortgage, LLC: 88% approved of 26Guaranteed Rate, Inc.: 89% approved of 182Nationstar Mortgage LLC: 90% approved of 39Freedom Mortgage Corporation: 90% approved of 105Movement Mortgage, LLC: 92% approved of 51Guild Mortgage Company LLC: 93% approved of 56JPMorgan Chase Bank, National Association: 93% approved of 44Emm Loans LLC: 94% approved of 33New Fed Mortgage, Corp.: 94% approved of 51Cmg Mortgage, Inc.: 95% approved of 55Bankesb: 95% approved of 61Finance of America Reverse LLC: 97% approved of 30Crosscountry Mortgage, LLC: 98% approved of 213Leader Bank, National Association: 98% approved of 114Drew Mortgage Associates, Inc.: 100% approved of 51Village Capital & Investment LLC: 100% approved of 25American Neighborhood Mortgage Acceptance Company LLC: 100% approved of 22

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

Refinance lenders in Essex County

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association72%912 / 1,26996%$215K878
2Eastern Bank74%756 / 1,01993%$205K703
3Salem Five Cents Savings Bank85%426 / 50096%$205K407
4TD Bank, National Association75%308 / 40998%$175K302
5Bank of America, National Association70%229 / 32898%$205K224

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 273 more lenders.

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