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refinance lenders · HMDA 2023–2025

Refinance lenders in Middlesex County, Massachusetts

Fat Boy Data analyzed mortgage refinance activity in Middlesex County, Massachusetts, home to Cambridge, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 15,427 applications were decided by 334 lenders between 2023 and 2025.

Middlesex County at a glance

334Active lenders85 with 20+ decisions
79.6%Market approval rate12,280 of 15,427 decided
$305KTypical loanmedian lender, $10K brackets
96%Borrower take-up11,773 loans funded

How Middlesex County compares

Approval rate compared
Middlesex County79.6%Massachusetts77.5%All 616 counties76.5%
Typical loan compared
Middlesex County$305KMassachusetts$225KAll 616 counties$295K

What the data shows

Citizens Bank, National Association made the most mortgage refinances in Middlesex County, MA, 2,669 of them.

New Fed Mortgage, Corp. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 52.

The typical mortgage refinance here is $305K, 36% larger than the Massachusetts typical of $225K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%One lender: 11% approved of 47One lender: 30% approved of 188One lender: 49% approved of 159One lender: 63% approved of 60One lender: 64% approved of 75One lender: 67% approved of 102One lender: 69% approved of 109One lender: 69% approved of 98One lender: 70% approved of 312Bank of America, National Association: 70% approved of 925Citizens Bank, National Association: 73% approved of 3,807One lender: 74% approved of 58Eastern Bank: 74% approved of 975One lender: 74% approved of 393One lender: 75% approved of 461One lender: 76% approved of 68One lender: 77% approved of 104One lender: 78% approved of 224One lender: 78% approved of 186One lender: 80% approved of 54One lender: 83% approved of 59One lender: 84% approved of 62One lender: 84% approved of 69Rocket Mortgage, LLC: 84% approved of 487One lender: 84% approved of 51One lender: 85% approved of 103One lender: 85% approved of 275One lender: 86% approved of 84One lender: 86% approved of 94One lender: 86% approved of 103One lender: 87% approved of 77One lender: 87% approved of 187One lender: 89% approved of 62One lender: 89% approved of 46One lender: 90% approved of 376One lender: 90% approved of 42One lender: 91% approved of 85One lender: 91% approved of 97One lender: 92% approved of 102One lender: 92% approved of 104One lender: 93% approved of 54One lender: 93% approved of 43One lender: 94% approved of 98One lender: 94% approved of 53One lender: 95% approved of 93One lender: 95% approved of 138Guaranteed Rate, Inc.: 95% approved of 482One lender: 96% approved of 48One lender: 96% approved of 101One lender: 96% approved of 53One lender: 96% approved of 192One lender: 97% approved of 89One lender: 97% approved of 139One lender: 98% approved of 42One lender: 98% approved of 42One lender: 98% approved of 284One lender: 98% approved of 114One lender: 98% approved of 376One lender: 100% approved of 52One lender: 100% approved of 49

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Refinance lenders in Middlesex County

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association73%2,768 / 3,80796%$305K2,669
2Eastern Bank74%723 / 97591%$255K655
3Bank of America, National Association70%644 / 92599%$255K637
4Rocket Mortgage, LLC84%410 / 48794%$515K385
5Guaranteed Rate, Inc.95%460 / 48299%$645K457

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

Fat Boy found 329 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Middlesex County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

  • Every lender in the market
  • Approval rate and borrower take-up
  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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Also active in Middlesex County

TD Bank, National AssociationHanscomLeader Bank, National AssociationMiddlesex Savings BankRockland Trust CompanyCrosscountry Mortgage, LLCUnited Wholesale Mortgage, LLCManufacturers and Traders Trust CompanyU.S. Bank National AssociationDiscover BankSalem Five Cents Savings BankBeacon Bank And TrustLakeview Loan Servicing, LLCMovement Mortgage, LLCFreedom Mortgage CorporationNations Direct Mortgage, LLCAlign Credit UnionWebster Bank, National AssociationMutual of Omaha Mortgage, Inc.Berkshire BankNeedham BankJPMorgan Chase Bank, National AssociationNewrez LLCCmg Mortgage, Inc.Guild Mortgage Company LLCThird Federal Savings And Loan Association Of ClevelandHarvard University Employees Credit UnionLongbridge Financial, LLCCambridge Savings BankT2 Financial LLC

Other lending data for Middlesex County

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Nearby markets

All lending in Middlesex CountyCounty overviewRefinance across MassachusettsStatewideEssex CountyNearby countyNorfolk CountyNearby countySuffolk CountyNearby countyWorcester CountyNearby county