Cash-out refinancing lenders in Norfolk County
1,450 cash-out refinancing mortgages were made in Norfolk County, Massachusetts, in 2025, by 268 lenders. The median rate their borrowers got was 6.990% on a median loan of $305,000. Of 1,994 decisions, 491 were denials — 24.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 321 | 8.425% | $135,000 | 14.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 66 | 6.999% | $380,000 | 27.7% |
| ROCKLAND Federal Credit Union | 44 | 6.875% | $175,000 | 25.8% |
| NEWREZ LLC | 42 | 7.058% | $235,000 | 53.8% |
| Loandepot.Com, LLC | 35 | 6.375% | $395,000 | 25.5% |
| Leader Bank, National Association | 35 | 5.990% | $355,000 | 0.0% |
| GUARANTEED RATE, INC. | 34 | 6.575% | $460,000 | 10.5% |
| AmeriSave Mortgage Corporation | 32 | 8.563% | $105,000 | 66.3% |
| DIGITAL | 30 | 7.995% | $260,000 | 13.9% |
| PENNYMAC LOAN SERVICES, LLC | 25 | 7.250% | $355,000 | 18.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 24 | 6.990% | $440,000 | 4.0% |
| NATIONSTAR MORTGAGE LLC | 23 | 6.625% | $345,000 | 28.1% |
| JPMorgan Chase Bank, National Association | 23 | 5.990% | $765,000 | 11.5% |
| Citizens Bank, National Association | 19 | 6.375% | $405,000 | 13.6% |
| FREEDOM MORTGAGE CORPORATION | 17 | 6.250% | $415,000 | 35.7% |
| QUINCY CREDIT UNION | 17 | 6.925% | $225,000 | 21.7% |
| Dedham Institution for Savings | 17 | 6.500% | $405,000 | 26.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 16 | 7.563% | $150,000 | 30.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 15 | 6.490% | $345,000 | 42.3% |
| METRO Credit Union | 15 | 7.000% | $185,000 | 11.8% |
| CMG MORTGAGE, INC. | 13 | 6.990% | $535,000 | 20.0% |
| Rockland Trust Company | 13 | 6.250% | $385,000 | 35.0% |
| MOVEMENT MORTGAGE, LLC | 13 | 6.625% | $555,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 12 | 6.250% | $445,000 | 42.9% |
| GUILD MORTGAGE COMPANY | 12 | 6.870% | $295,000 | 14.3% |
| Norwood Co-operative Bank | 12 | Not published | $255,000 | 7.7% |
| Broker Solutions, Inc. | 11 | 7.000% | $345,000 | 31.3% |
| RADIUS FINANCIAL GROUP INC. | 11 | 6.625% | $405,000 | 15.4% |
| Navy Federal Credit Union | 11 | 7.750% | $155,000 | 26.7% |
| HARBORONE MORTGAGE, LLC | 11 | 6.875% | $455,000 | 15.4% |
| Cambridge Savings Bank | 11 | 6.490% | $505,000 | 0.0% |
| Eastern Bank | 10 | 6.175% | $670,000 | 52.2% |
| Fairway Independent Mortgage Corporation | 10 | 6.563% | $240,000 | 23.1% |
| OCMBC, INC. | 10 | 7.499% | $450,000 | 22.2% |
| Dean Co-operative Bank | 9 | Under 10 loans | Under 10 loans | 16.7% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Wells Fargo Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Fall River Five Cents Savings Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 9 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 43.8% |
| Manufacturers and Traders Trust Company | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 41.7% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| GUARANTEED RATE AFFINITY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BOSTON FIREFIGHTERS | 6 | Under 10 loans | Under 10 loans | 14.3% |
| TOTAL MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LIBERTY BAY CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| RELIANCE FIRST CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CHARLES RIVER BANK | 5 | Under 10 loans | Under 10 loans | 54.6% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 44.4% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 16.7% |
| City Of Boston Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEXPRESS MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Workers Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BayCoast Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Avidia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MSA MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| MORTGAGE EQUITY PARTNERS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| bankESB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TREMONT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NORTHPOINT MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UniBank for Savings | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW FED MORTGAGE, CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MASS BAY Credit Union | 3 | Under 10 loans | Under 10 loans | 57.1% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| East West Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Middlesex Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Easton | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 25.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Energy Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Co-operative Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Milford Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Camden National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 84.6% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 80.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Bluestone Bank | 2 | Under 10 loans | Under 10 loans | 40.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GREENWOOD CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Havard Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North Easton Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYCOAST MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TD Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Metrowest Community Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Cooperative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Home Loan Investment Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank-Fund Staff Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Canton | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 40.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TOP FLITE FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Cape Cod Five Cents Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Stoughton Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Northern Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JEANNE D'ARC Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MERRIMACK VALLEY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL ONE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Whittier, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Village Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Mary's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amalgamated Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Anne's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ukrainian Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Members Plus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FALL RIVER MUNICIPAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Right | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MountainOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAUNTON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Direct Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wrentham Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Everett Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM REAL ESTATE AGENCY FINANCING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol County Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Washington Trust Company, of Westerly | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Middlesex Federal Savings, F.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLYHOMES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MutualOne Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WEBSTER FIRST Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALIGN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 68 lenders each made 1 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.