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refinance lenders · HMDA 2023–2025

Refinance lenders in Massachusetts

Fat Boy Data analyzed mortgage refinance activity in 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. 65,715 applications were decided by 523 lenders between 2023 and 2025.

Massachusetts at a glance

523Active lenders197 with 20+ decisions
77.5%Market approval rate50,908 of 65,715 decided
$225KTypical loanmedian lender, $10K brackets
95%Borrower take-up48,451 loans funded

How Massachusetts compares

Approval rate compared
Massachusetts77.5%All 616 counties76.5%
Typical loan compared
Massachusetts$225KAll 616 counties$295K

What the data shows

Citizens Bank, National Association made the most mortgage refinances in Massachusetts, 9,392 of them.

Leader Bank, National Association approved the highest share of applications among lenders with at least 20 decisions here, 99% of 1,015.

The typical mortgage refinance here is $225K, 24% smaller than the the United States typical of $295K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Discover Bank: 28% approved of 1,081Mortgage Research Center, LLC: 35% approved of 195First Technology: 53% approved of 198HarborOne Bank: 55% approved of 348Lakeview Loan Servicing, LLC: 56% approved of 971PNC Bank, National Association: 62% approved of 249Third Federal Savings And Loan Association Of Cleveland: 62% approved of 394Newrez LLC: 67% approved of 630Rockland Trust Company: 67% approved of 2,625Bank of America, National Association: 67% approved of 3,014Align Credit Union: 69% approved of 292Hanscom: 70% approved of 965TD Bank, National Association: 71% approved of 1,761Citizens Bank, National Association: 72% approved of 13,501Webster Bank, National Association: 73% approved of 579Eastern Bank: 74% approved of 3,799Berkshire Bank: 76% approved of 514Manufacturers and Traders Trust Company: 77% approved of 940Beacon Bank And Trust: 78% approved of 402Institution for Savings in Newburyport and Its Vicinity: 78% approved of 209Cornerstone Bank: 79% approved of 303Direct Federal Credit Union: 80% approved of 215Onity Mortgage Corporation: 80% approved of 325Greylock Federal Credit Union: 82% approved of 397Rocket Mortgage, LLC: 83% approved of 2,291ROCKLAND Federal Credit Union: 83% approved of 452Loandepot.Com, LLC: 83% approved of 527Country Bank for Savings: 83% approved of 300COASTAL1 Credit Union: 83% approved of 234Needham Bank: 84% approved of 394Finance of America Reverse LLC: 84% approved of 285PeoplesBank: 84% approved of 467United Wholesale Mortgage, LLC: 84% approved of 1,830Florence Bank: 84% approved of 421Village Capital & Investment LLC: 85% approved of 285Salem Five Cents Savings Bank: 85% approved of 810Salem Five Mortgage Company, LLC: 85% approved of 234Nationstar Mortgage LLC: 86% approved of 366Mutual of Omaha Mortgage, Inc.: 86% approved of 554Bankesb: 86% approved of 512Pennymac Loan Services, LLC: 86% approved of 651Longbridge Financial, LLC: 86% approved of 472Fairway Independent Mortgage Corporation: 86% approved of 401Brightbridge Credit Union: 86% approved of 380Harvard University Employees Credit Union: 87% approved of 209Middlesex Savings Bank: 88% approved of 595All One: 88% approved of 663Guild Mortgage Company LLC: 90% approved of 530Westfield Bank: 91% approved of 499JPMorgan Chase Bank, National Association: 92% approved of 325The Cape Cod Five Cents Savings Bank: 93% approved of 202U.S. Bank National Association: 93% approved of 392Cmg Mortgage, Inc.: 93% approved of 534Guaranteed Rate, Inc.: 93% approved of 1,197Baycoast Mortgage Company, LLC: 94% approved of 277Emm Loans LLC: 94% approved of 280Freedom Mortgage Corporation: 94% approved of 966Movement Mortgage, LLC: 95% approved of 390Crosscountry Mortgage, LLC: 97% approved of 948Leader Bank, National Association: 99% approved of 1,015

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

Refinance lenders in Massachusetts

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association72%9,724 / 13,50197%$225K9,392
2Eastern Bank74%2,798 / 3,79992%$205K2,583
3Bank of America, National Association67%2,026 / 3,01498%$255K1,983
4Rockland Trust Company67%1,755 / 2,62595%$185K1,669
5Rocket Mortgage, LLC83%1,895 / 2,29194%$475K1,788

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 518 more lenders.

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You are seeing the 5 largest mortgage refinance lenders in Massachusetts. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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Other lending data for Massachusetts

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Counties in Massachusetts

Middlesex CountyCountyWorcester CountyCountyEssex CountyCountySuffolk CountyCountyNorfolk CountyCountyBristol CountyCountyPlymouth CountyCountyHampden CountyCountyBarnstable CountyCountyHampshire CountyCountyBerkshire CountyCounty