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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Massachusetts

Fat Boy Data analyzed cash-out 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. 51,976 applications were decided by 475 lenders between 2023 and 2025.

Massachusetts at a glance

475Active lenders224 with 20+ decisions
71.0%Market approval rate36,928 of 51,976 decided
$175KTypical loanmedian lender, $10K brackets
96%Borrower take-up35,502 loans funded

How Massachusetts compares

Approval rate compared
Massachusetts71.0%All 616 counties68.2%
Typical loan compared
Massachusetts$175KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Massachusetts, 8,010 of them.

Reliance First Capital, LLC approved the highest share of applications among lenders with at least 20 decisions here, 96% of 217.

The typical cash-out refinance here is $175K, 13% larger than the the United States typical of $155K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 16% approved of 504Amerisave Mortgage Corporation: 27% approved of 3,303Lakeview Loan Servicing, LLC: 36% approved of 683American Financing Corporation: 37% approved of 190Newrez LLC: 45% approved of 2,489Wells Fargo Bank, National Association: 49% approved of 303New American Funding, LLC: 52% approved of 657Mutual of Omaha Mortgage, Inc.: 56% approved of 805Eastern Bank: 57% approved of 209Rockland Trust Company: 58% approved of 197Quorum Federal Credit Union: 62% approved of 266Lower, LLC: 64% approved of 193Navy Federal Credit Union: 65% approved of 324Freedom Mortgage Corporation: 67% approved of 1,029Loandepot.Com, LLC: 67% approved of 1,804I-C Federal Credit Union: 67% approved of 144Webster First Federal Credit Union: 68% approved of 305Harborone Mortgage, LLC: 68% approved of 190Manufacturers and Traders Trust Company: 68% approved of 146Pennymac Loan Services, LLC: 69% approved of 906First Technology: 69% approved of 1,693Citizens Bank, National Association: 70% approved of 522St. Anne's Credit Union: 71% approved of 329Flagstar Bank, National Association: 72% approved of 370Freedom Credit Union: 73% approved of 201Sofi Bank, N.A.tional Association: 73% approved of 179The Federal Savings Bank: 73% approved of 343U.S. Bank National Association: 74% approved of 178Onity Mortgage Corporation: 74% approved of 172ROCKLAND Federal Credit Union: 76% approved of 433Nationstar Mortgage LLC: 77% approved of 1,112United Wholesale Mortgage, LLC: 77% approved of 2,045Fidelity Co-operative Bank: 77% approved of 323Fairway Independent Mortgage Corporation: 79% approved of 346Guaranteed Rate, Inc.: 79% approved of 579Top Flite Financial, Inc.: 79% approved of 168JPMorgan Chase Bank, National Association: 80% approved of 323Workers Federal Credit Union: 81% approved of 728Guild Mortgage Company LLC: 81% approved of 522Fall River Five Cents Savings Bank: 81% approved of 330St. Mary's Credit Union: 82% approved of 218Bank of America, National Association: 82% approved of 187Rocket Mortgage, LLC: 82% approved of 10,014Somerset Federal Credit Union: 83% approved of 274Baycoast Mortgage Company, LLC: 83% approved of 165UniBank for Savings: 85% approved of 281Greater Springfield Credit Union: 86% approved of 300METRO Credit Union: 86% approved of 468Jeanne D'Arc Credit Union: 87% approved of 406The Cape Cod Five Cents Savings Bank: 87% approved of 981First Citizens' Federal Credit Union: 87% approved of 487BayCoast Bank: 87% approved of 291Polish N.A.tional Credit Union: 88% approved of 177Cmg Mortgage, Inc.: 88% approved of 250Salem Five Mortgage Company, LLC: 88% approved of 159Cambridge Savings Bank: 88% approved of 257Movement Mortgage, LLC: 92% approved of 404Crosscountry Mortgage, LLC: 94% approved of 505Leader Bank, National Association: 96% approved of 445Reliance First Capital, LLC: 96% approved of 217

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

Cash-out refinance lenders in Massachusetts

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC82%8,243 / 10,01497%$165K8,010
2Amerisave Mortgage Corporation27%894 / 3,30397%$115K863
3Newrez LLC45%1,131 / 2,48998%$125K1,107
4United Wholesale Mortgage, LLCBroker only77%1,579 / 2,04597%$305K1,531
5Loandepot.Com, LLC67%1,215 / 1,80497%$335K1,184

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 470 more lenders.

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Other lending data for Massachusetts

Mortgage lenders in MassachusettsHome improvement loans in MassachusettsRefinance in MassachusettsInvestment property purchase in MassachusettsInvestment cash-out refinance in MassachusettsInvestment refinance in MassachusettsInvestment home improvement in Massachusetts

Counties in Massachusetts

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