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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Middlesex County, Massachusetts

Fat Boy Data analyzed cash-out refinance activity in Middlesex 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. 8,797 applications were decided by 323 lenders between 2023 and 2025.

Middlesex County at a glance

323Active lenders71 with 20+ decisions
74.2%Market approval rate6,523 of 8,797 decided
$225KTypical loanmedian lender, $10K brackets
97%Borrower take-up6,297 loans funded

How Middlesex County compares

Approval rate compared
Middlesex County74.2%Massachusetts71.0%All 616 counties68.2%
Typical loan compared
Middlesex County$225KMassachusetts$175KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Middlesex County, MA, 1,264 of them.

Leader Bank, National Association approved the highest share of applications among lenders with at least 20 decisions here, 98% of 164.

The typical cash-out refinance here is $225K, 29% larger than the Massachusetts typical of $175K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 22% approved of 36Amerisave Mortgage Corporation: 25% approved of 548American Financing Corporation: 38% approved of 24Newrez LLC: 45% approved of 376Lakeview Loan Servicing, LLC: 46% approved of 80Mutual of Omaha Mortgage, Inc.: 56% approved of 87Eastern Bank: 58% approved of 59Rockland Trust Company: 58% approved of 36Navy Federal Credit Union: 60% approved of 35Wells Fargo Bank, National Association: 63% approved of 49New American Funding, LLC: 64% approved of 107Onity Mortgage Corporation: 64% approved of 25Lower, LLC: 65% approved of 34Quorum Federal Credit Union: 65% approved of 57Loandepot.Com, LLC: 68% approved of 191Hanscom: 69% approved of 35Webster First Federal Credit Union: 69% approved of 26Flagstar Bank, National Association: 69% approved of 75First Technology: 72% approved of 599Freedom Mortgage Corporation: 72% approved of 115Pennymac Loan Services, LLC: 74% approved of 91Fidelity Co-operative Bank: 75% approved of 59Members Mortgage Company, Inc.: 75% approved of 24U.S. Bank National Association: 75% approved of 53United Wholesale Mortgage, LLC: 77% approved of 323Nationstar Mortgage LLC: 77% approved of 164Top Flite Financial, Inc.: 77% approved of 26Citizens Bank, National Association: 78% approved of 125JPMorgan Chase Bank, National Association: 79% approved of 70Fairway Independent Mortgage Corporation: 80% approved of 44Everett Co-operative Bank: 80% approved of 50The Federal Savings Bank: 80% approved of 40Bank of America, National Association: 80% approved of 46Manufacturers and Traders Trust Company: 81% approved of 26The Village Bank: 81% approved of 26Guaranteed Rate, Inc.: 81% approved of 192Main Street Bank: 81% approved of 27Sofi Bank, N.A.tional Association: 81% approved of 27Guild Mortgage Company LLC: 82% approved of 57Harvard University Employees Credit Union: 83% approved of 24Reading Co-Operative Bank: 83% approved of 24Workers Federal Credit Union: 84% approved of 249Rocket Mortgage, LLC: 84% approved of 1,552St. Mary's Credit Union: 85% approved of 92Salem Five Mortgage Company, LLC: 86% approved of 37Cmg Mortgage, Inc.: 86% approved of 37The Savings Bank: 87% approved of 39Middlesex Savings Bank: 88% approved of 24Northern Bank & Trust Company: 88% approved of 41METRO Credit Union: 88% approved of 177Jeanne D'Arc Credit Union: 89% approved of 316Cambridge Savings Bank: 90% approved of 184UniBank for Savings: 92% approved of 25Crosscountry Mortgage, LLC: 94% approved of 130Movement Mortgage, LLC: 94% approved of 102Avidia Bank: 95% approved of 38Reliance First Capital, LLC: 97% approved of 31Mass. Institute of Tech. Federal Credit Union: 97% approved of 32Metrowest Community Federal Credit Union: 97% approved of 33Leader Bank, National Association: 98% approved of 164

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

Cash-out refinance lenders in Middlesex County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC84%1,301 / 1,55297%$185K1,264
2First Technology72%429 / 59998%$175K421
3Amerisave Mortgage Corporation25%139 / 54897%$195K135
4Newrez LLC45%170 / 37699%$165K168
5United Wholesale Mortgage, LLCBroker only77%248 / 32396%$355K238

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 318 more lenders.

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Other lending data for Middlesex County

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Nearby markets

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