Home›Massachusetts›Middlesex County›Refinance
refinance lenders · HMDA 2023–2025

Refinance lenders in Middlesex County, Massachusetts

Fat Boy Data analyzed mortgage 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. 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%Amerisave Mortgage Corporation: 11% approved of 47Discover Bank: 30% approved of 188Lakeview Loan Servicing, LLC: 49% approved of 159PNC Bank, National Association: 63% approved of 60First Technology: 64% approved of 75Newrez LLC: 67% approved of 102Align Credit Union: 69% approved of 109Third Federal Savings And Loan Association Of Cleveland: 69% approved of 98Rockland Trust Company: 70% approved of 312Bank of America, National Association: 70% approved of 925Citizens Bank, National Association: 73% approved of 3,807Direct Federal Credit Union: 74% approved of 58Eastern Bank: 74% approved of 975Hanscom: 74% approved of 393TD Bank, National Association: 75% approved of 461Loandepot.Com, LLC: 76% approved of 68Webster Bank, National Association: 77% approved of 104Manufacturers and Traders Trust Company: 78% approved of 224Beacon Bank And Trust: 78% approved of 186Nationstar Mortgage LLC: 80% approved of 54Onity Mortgage Corporation: 83% approved of 59Finance of America Reverse LLC: 84% approved of 62Main Street Bank: 84% approved of 69Rocket Mortgage, LLC: 84% approved of 487All One: 84% approved of 51Needham Bank: 85% approved of 103United Wholesale Mortgage, LLC: 85% approved of 275Pennymac Loan Services, LLC: 86% approved of 84Longbridge Financial, LLC: 86% approved of 94Berkshire Bank: 86% approved of 103Salem Five Mortgage Company, LLC: 87% approved of 77Salem Five Cents Savings Bank: 87% approved of 187Brightbridge Credit Union: 89% approved of 62Harborone Mortgage, LLC: 89% approved of 46Middlesex Savings Bank: 90% approved of 376Bankesb: 90% approved of 42Fairway Independent Mortgage Corporation: 91% approved of 85Harvard University Employees Credit Union: 91% approved of 97JPMorgan Chase Bank, National Association: 92% approved of 102Mutual of Omaha Mortgage, Inc.: 92% approved of 104Winchester Co-operative Bank: 93% approved of 54Sage Home Loans Corporation: 93% approved of 43Guild Mortgage Company LLC: 94% approved of 98Washington Trust Mortgage Company LLC: 94% approved of 53Cambridge Savings Bank: 95% approved of 93Freedom Mortgage Corporation: 95% approved of 138Guaranteed Rate, Inc.: 95% approved of 482Jeanne D'Arc Credit Union: 96% approved of 48Cmg Mortgage, Inc.: 96% approved of 101Emm Loans LLC: 96% approved of 53U.S. Bank National Association: 96% approved of 192T2 Financial LLC: 97% approved of 89Movement Mortgage, LLC: 97% approved of 139Watertown Savings Bank: 98% approved of 42Mld Mortgage Inc.: 98% approved of 42Crosscountry Mortgage, LLC: 98% approved of 284Nations Direct Mortgage, LLC: 98% approved of 114Leader Bank, National Association: 98% approved of 376New Fed Mortgage, Corp.: 100% approved of 52United Nations Federal Credit Union: 100% approved of 49

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

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 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 329 more lenders.

Free. One email unlocks the whole market.

You are seeing the 5 largest mortgage refinance lenders in Middlesex County. 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.

  • Every lender, ranked
  • Approval and take-up rates
  • Typical loan and full range
  • Nearest office and distance
  • Branch count and how to apply
  • How reachable each lender is

We email you the unlock link and occasional updates on your market. We may share your interest with mortgage providers so they can contact you. How we use your data. Unsubscribe any time.

Other lending data for Middlesex County

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

Nearby markets

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