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refinance lenders · HMDA 2023–2025

Refinance lenders in Worcester County, Massachusetts

Fat Boy Data analyzed mortgage refinance activity in Worcester 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. 7,474 applications were decided by 298 lenders between 2023 and 2025.

Worcester County at a glance

298Active lenders61 with 20+ decisions
79.0%Market approval rate5,907 of 7,474 decided
$285KTypical loanmedian lender, $10K brackets
94%Borrower take-up5,569 loans funded

How Worcester County compares

Approval rate compared
Worcester County79.0%Massachusetts77.5%All 616 counties76.5%
Typical loan compared
Worcester County$285KMassachusetts$225KAll 616 counties$295K

What the data shows

Citizens Bank, National Association made the most mortgage refinances in Worcester County, MA, 561 of them.

T2 Financial LLC approved the highest share of applications among lenders with at least 20 decisions here, 100% of 36.

The typical mortgage refinance here is $285K, 27% larger than the Massachusetts typical of $225K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%One lender: 22% approved of 23One lender: 30% approved of 179One lender: 41% approved of 39One lender: 47% approved of 68One lender: 54% approved of 28One lender: 54% approved of 35One lender: 60% approved of 187One lender: 63% approved of 94One lender: 64% approved of 59One lender: 68% approved of 170One lender: 69% approved of 39One lender: 70% approved of 23One lender: 70% approved of 43Bank of America, National Association: 71% approved of 263One lender: 72% approved of 39One lender: 72% approved of 25One lender: 72% approved of 61One lender: 72% approved of 47One lender: 73% approved of 51One lender: 74% approved of 27One lender: 74% approved of 66One lender: 74% approved of 78Citizens Bank, National Association: 75% approved of 781One lender: 76% approved of 123One lender: 77% approved of 22One lender: 78% approved of 69One lender: 79% approved of 24One lender: 80% approved of 257One lender: 80% approved of 119United Wholesale Mortgage, LLC: 80% approved of 378One lender: 81% approved of 21One lender: 82% approved of 67One lender: 83% approved of 23Rocket Mortgage, LLC: 83% approved of 417One lender: 84% approved of 114One lender: 85% approved of 46One lender: 86% approved of 83One lender: 87% approved of 67One lender: 87% approved of 54One lender: 87% approved of 31One lender: 88% approved of 48One lender: 88% approved of 105One lender: 88% approved of 82All One: 88% approved of 582One lender: 89% approved of 74One lender: 89% approved of 38One lender: 90% approved of 50One lender: 90% approved of 133One lender: 91% approved of 133One lender: 91% approved of 23One lender: 91% approved of 93One lender: 92% approved of 119One lender: 93% approved of 30One lender: 95% approved of 78One lender: 95% approved of 39One lender: 95% approved of 22One lender: 96% approved of 188One lender: 96% approved of 80One lender: 98% approved of 60One lender: 100% approved of 36

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 Worcester County

LenderApprovalApprovedTaken upTypical loanLoans made
1Citizens Bank, National Association75%586 / 78196%$205K561
2All One88%514 / 58297%$115K501
3Rocket Mortgage, LLC83%346 / 41792%$355K317
4United Wholesale Mortgage, LLCBroker only80%302 / 37898%$395K295
5Bank of America, National Association71%186 / 26399%$155K184

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 293 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest mortgage refinance lenders in Worcester 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 Worcester County

Cornerstone BankFreedom Mortgage CorporationLakeview Loan Servicing, LLCDiscover BankTD Bank, National AssociationCentral One Federal Credit UnionPennymac Loan Services, LLCNewrez LLCGuaranteed Rate, Inc.Country Bank for SavingsBankesbGuild Mortgage Company LLCRockland Trust CompanyCmg Mortgage, Inc.Nationstar Mortgage LLCFairway Independent Mortgage CorporationLeader Bank, National AssociationCrosscountry Mortgage, LLCMutual of Omaha Mortgage, Inc.Drew Mortgage Associates, Inc.Middlesex Savings BankFirst TechnologyLoandepot.Com, LLCVillage Capital & Investment LLCManufacturers and Traders Trust CompanyHanscomTotal Mortgage Services, LLCBerkshire BankUniBank for SavingsLongbridge Financial, LLC

Other lending data for Worcester County

Mortgage lenders in Worcester CountyHome improvement loans in Worcester CountyCash-out refinance in Worcester CountyInvestment property purchase in Worcester CountyInvestment cash-out refinance in Worcester CountyInvestment refinance in Worcester CountyInvestment home improvement in Worcester County

Nearby markets

All lending in Worcester CountyCounty overviewRefinance across MassachusettsStatewideHampden CountyNearby countyHampshire CountyNearby countyMiddlesex CountyNearby countyNorfolk CountyNearby county