Cash-out refinancing lenders in Hampden County
1,156 cash-out refinancing mortgages were made in Hampden County, Massachusetts, in 2025, by 175 lenders. The median rate their borrowers got was 6.875% on a median loan of $185,000. Of 1,724 decisions, 505 were denials — 29.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 269 | 7.875% | $125,000 | 19.4% |
| GREATER SPRINGFIELD | 74 | 6.500% | $65,000 | 11.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 53 | 6.624% | $225,000 | 24.3% |
| Loandepot.Com, LLC | 50 | 6.250% | $210,000 | 34.2% |
| POLISH NATIONAL CREDIT UNION | 49 | 6.875% | $75,000 | 10.9% |
| NEWREZ LLC | 44 | 7.750% | $100,000 | 51.7% |
| AmeriSave Mortgage Corporation | 37 | 7.750% | $105,000 | 65.5% |
| PENNYMAC LOAN SERVICES, LLC | 31 | 6.500% | $205,000 | 27.3% |
| Freedom Credit Union | 31 | 6.750% | $95,000 | 20.5% |
| Broker Solutions, Inc. | 24 | 6.933% | $205,000 | 38.5% |
| NATIONSTAR MORTGAGE LLC | 24 | 6.813% | $200,000 | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 23 | 6.250% | $245,000 | 41.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 22 | 6.313% | $260,000 | 31.4% |
| ARRHA Credit Union | 19 | Not published | $135,000 | 24.0% |
| HOLYOKE CREDIT UNION | 17 | Not published | $65,000 | 21.7% |
| Monson Savings Bank | 13 | Not published | $255,000 | 0.0% |
| GoodLeap, LLC | 12 | 6.438% | $170,000 | 15.8% |
| Citizens Bank, National Association | 12 | 6.688% | $235,000 | 20.0% |
| JPMorgan Chase Bank, National Association | 10 | 6.558% | $190,000 | 7.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 10 | 6.875% | $915,000 | 0.0% |
| Mortgage Research Center, LLC | 9 | Under 10 loans | Under 10 loans | 67.9% |
| Navy Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Country Bank for Savings | 9 | Under 10 loans | Under 10 loans | 10.0% |
| KeyBank National Association | 8 | Under 10 loans | Under 10 loans | 57.9% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Manufacturers and Traders Trust Company | 7 | Under 10 loans | Under 10 loans | 30.0% |
| TOP FLITE FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 10.0% |
| NORTHPOINT MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 41.7% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| QUORUM FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 38.5% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| 254900M2C4Q6DATP2889 | 5 | Under 10 loans | Under 10 loans | 37.5% |
| OCMBC, INC. | 5 | Under 10 loans | Under 10 loans | 23.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| United Trust Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PeoplesBank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luso Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 360 Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RADIUS FINANCIAL GROUP INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| bankESB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Loan Funder LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| GUARANTEED RATE AFFINITY, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 80.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| USAA Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NORTHERN MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Beeline Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Workers Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North Brookfield Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 69.2% |
| Bank of America, National Association | 1 | Under 10 loans | Under 10 loans | 80.0% |
| MEMBER ADVANTAGE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Florence Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FlexPoint, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHBRIDGE CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHROP GRUMMAN Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Evolve Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLTRUST CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Churchill Funding I LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINEX CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Savers Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cambridge Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Washington Trust Company, of Westerly | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MARKETS CUSO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fall River Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN EAGLE FINANCIAL Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Greenfield Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUR POINTS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Allied First Bank,sb | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Emporium TPO LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| METRO Credit Union | 0 | Under 10 loans | Under 10 loans | 50.0% |
| Fifth Third Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ICE LENDER HOLDINGS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LEADERONE FINANCIAL CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CONTOUR MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| INTELLILOAN, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PNC Bank, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ABL RPC Residential Credit Acquisition LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Home Mortgage Alliance Corporation (HMAC) | 0 | Under 10 loans | Under 10 loans | Not published |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MEMBERS MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Prosperity Home Mortgage, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| CHURCHILL MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| EQUITY RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MORTGAGE EQUITY PARTNERS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| FIRST WORLD MORTGAGE CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bethpage Federal Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Windosr Federal Savings & Loan Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| NATIONS DIRECT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CARRINGTON MORTGAGE SERVICES, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUIDANCE RESIDENTIAL, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| BankNewport | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Old Second National Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Rockland Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERIHOME MORTGAGE COMPANY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| The Huntington National Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TruHome Solutions, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| REDWOOD RESIDENTIAL ACQUISITION CORPORATION | 0 | Under 10 loans | Under 10 loans | Not published |
| Stride Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| UMASSFIVE COLLEGE | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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.