Cash-out refinancing lenders in Essex County
1,878 cash-out refinancing mortgages were made in Essex County, Massachusetts, in 2025, by 255 lenders. The median rate their borrowers got was 6.999% on a median loan of $305,000. Of 2,629 decisions, 685 were denials — 26.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 441 | 8.550% | $135,000 | 15.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 97 | 6.875% | $305,000 | 24.4% |
| NEWREZ LLC | 68 | 8.000% | $145,000 | 53.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 67 | 6.875% | $505,000 | 4.2% |
| GUARANTEED RATE, INC. | 63 | 6.625% | $455,000 | 19.8% |
| AmeriSave Mortgage Corporation | 61 | 8.625% | $105,000 | 62.0% |
| DIGITAL | 46 | 7.928% | $185,000 | 37.0% |
| Loandepot.Com, LLC | 41 | 6.625% | $345,000 | 35.4% |
| Leader Bank, National Association | 37 | 6.125% | $405,000 | 0.0% |
| METRO Credit Union | 36 | 7.000% | $125,000 | 19.2% |
| PENNYMAC LOAN SERVICES, LLC | 33 | 5.999% | $375,000 | 14.3% |
| FREEDOM MORTGAGE CORPORATION | 28 | 6.250% | $455,000 | 25.0% |
| NATIONSTAR MORTGAGE LLC | 27 | 6.625% | $305,000 | 25.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.490% | $455,000 | 39.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 23 | 7.990% | $185,000 | 4.2% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 23 | 6.750% | $385,000 | 20.7% |
| Broker Solutions, Inc. | 22 | 6.750% | $360,000 | 33.3% |
| JEANNE D'ARC Credit Union | 21 | 6.240% | $175,000 | 16.0% |
| GUILD MORTGAGE COMPANY | 20 | 6.750% | $385,000 | 14.8% |
| JPMorgan Chase Bank, National Association | 18 | 6.625% | $370,000 | 21.7% |
| Fairway Independent Mortgage Corporation | 17 | 6.625% | $225,000 | 15.0% |
| NEW FED MORTGAGE, CORP. | 16 | 6.813% | $425,000 | 15.8% |
| MERRIMACK VALLEY | 16 | 6.313% | $330,000 | 5.9% |
| Workers Federal Credit Union | 15 | 6.375% | $445,000 | 15.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 15 | 7.375% | $595,000 | 0.0% |
| Navy Federal Credit Union | 14 | 8.000% | $320,000 | 34.8% |
| Eastern Bank | 14 | 5.911% | $625,000 | 30.0% |
| ST. JEAN'S Credit Union | 14 | Not published | $80,000 | 12.5% |
| MSA MORTGAGE, LLC | 13 | 6.500% | $445,000 | 13.3% |
| Pentucket Bank | 13 | Not published | $135,000 | 27.8% |
| MOVEMENT MORTGAGE, LLC | 12 | 6.437% | $375,000 | 11.8% |
| HOMEXPRESS MORTGAGE CORP. | 12 | 7.500% | $640,000 | 40.0% |
| bankESB | 12 | 6.250% | $435,000 | 14.3% |
| CMG MORTGAGE, INC. | 11 | 6.990% | $465,000 | 13.3% |
| PHH Mortgage Corporation | 11 | 6.375% | $425,000 | 0.0% |
| OCMBC, INC. | 11 | 8.625% | $355,000 | 36.8% |
| Reading Co-Operative Bank | 11 | Not published | $255,000 | 15.4% |
| TOTAL MORTGAGE SERVICES, LLC | 10 | 6.813% | $345,000 | 0.0% |
| Newburyport Five Cents Savings Bank | 10 | Not published | $300,000 | 16.7% |
| MORTGAGE EQUITY PARTNERS LLC | 10 | 6.563% | $535,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 9 | Under 10 loans | Under 10 loans | 59.3% |
| COMMUNITY CREDIT UNION OF LYNN | 9 | Under 10 loans | Under 10 loans | 25.0% |
| The Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| LENDSURE MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Everett Co-operative Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| U.S. Bank National Association | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 61.1% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 42.9% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 27.3% |
| Manufacturers and Traders Trust Company | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| ARC HOME LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NORTHPOINT MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Haverhill Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER WORKS | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PLAZA HOME MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MEMBERS MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Paramount Residential Mortgage Group, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cambridge Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The National Grand Bank of Marblehead | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 4 | Under 10 loans | Under 10 loans | 55.6% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WEBSTER FIRST Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 28.6% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CCG Fund 1, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 72.7% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 36.4% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| QUORUM FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 37.5% |
| Havard Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Marblehead Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Methuen Co-operative Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY BAY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Rockland Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALIGN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| American Airlines Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bangor Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Camden National Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northern Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bristol County Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Berkshire Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Avidia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Heritage Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 78.6% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Winter Hill Bank, FSB | 1 | Under 10 loans | Under 10 loans | 83.3% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Fall River Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| AMERANT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Greenbox Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Advisors Mortgage Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIGHTHOUSE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER ADVANTAGE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Enterprise Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BayCoast Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dedham Institution for Savings | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| East Cambridge Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900T8N4RLS6G3BF64 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Holy Rosary Regional Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MountainOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASS BAY Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Clinton Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Winchester Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIS BANCORP, MHC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Middlesex Federal Savings, F.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| StonehamBank, A Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GFA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NESC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEGEND LENDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Lending Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EASTRISE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEGASTAR FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MMS MORTGAGE SERVICES, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BUILDERS CHOICE MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NorthEast Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| EVERETT FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 55 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.