Refinancing lenders in Norfolk County
3,255 refinancing mortgages were made in Norfolk County, Massachusetts, in 2025, by 280 lenders. The median rate their borrowers got was 6.500% on a median loan of $415,000. Of 4,211 decisions, 816 were denials — 19.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 784 | 7.150% | $275,000 | 25.2% |
| Rocket Mortgage, LLC | 155 | 5.990% | $495,000 | 15.3% |
| Eastern Bank | 150 | 6.990% | $265,000 | 23.7% |
| Bank of America, National Association | 142 | 5.990% | $255,000 | 32.6% |
| Rockland Trust Company | 136 | 6.990% | $220,000 | 35.0% |
| Leader Bank, National Association | 131 | 6.125% | $555,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 94 | 6.125% | $555,000 | 2.1% |
| GUARANTEED RATE, INC. | 87 | 6.250% | $705,000 | 2.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 87 | 5.875% | $585,000 | 15.2% |
| Needham Bank | 79 | 7.000% | $475,000 | 19.4% |
| TD Bank, National Association | 55 | 6.940% | $505,000 | 21.1% |
| Middlesex Savings Bank | 51 | 7.000% | $265,000 | 13.6% |
| SHARON & CRESCENT UNITED Credit Union | 49 | 5.500% | $105,000 | 7.4% |
| CMG MORTGAGE, INC. | 44 | 6.563% | $485,000 | 6.0% |
| Fairway Independent Mortgage Corporation | 37 | 6.375% | $525,000 | 14.0% |
| Manufacturers and Traders Trust Company | 36 | 5.813% | $715,000 | 11.4% |
| GUILD MORTGAGE COMPANY | 32 | 6.125% | $510,000 | 5.9% |
| NATIONS DIRECT MORTGAGE, LLC | 31 | 5.990% | $505,000 | 0.0% |
| NEWREZ LLC | 30 | 6.250% | $525,000 | 22.5% |
| Hanscom Federal Credit Union | 29 | 7.000% | $215,000 | 18.9% |
| JPMorgan Chase Bank, National Association | 29 | 6.000% | $505,000 | 9.4% |
| Loandepot.Com, LLC | 28 | 6.058% | $500,000 | 14.3% |
| Webster Bank, National Association | 28 | 6.375% | $620,000 | 19.4% |
| RADIUS FINANCIAL GROUP INC. | 28 | 6.433% | $545,000 | 3.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 28 | 5.990% | $550,000 | 3.5% |
| MOVEMENT MORTGAGE, LLC | 26 | 6.026% | $585,000 | 7.1% |
| FREEDOM MORTGAGE CORPORATION | 25 | 6.250% | $575,000 | 7.0% |
| PENNYMAC LOAN SERVICES, LLC | 23 | 5.990% | $625,000 | 14.8% |
| Brookline Bank | 22 | 7.250% | $405,000 | 24.1% |
| U.S. Bank National Association | 22 | 5.995% | $965,000 | 4.4% |
| PHH Mortgage Corporation | 21 | 5.875% | $365,000 | 4.6% |
| GUARANTEED RATE AFFINITY, LLC | 20 | 6.313% | $555,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 5.875% | $525,000 | 52.0% |
| PNC Bank, National Association | 17 | 5.990% | $155,000 | 29.2% |
| Third Federal Savings and Loan Association of Cleveland | 17 | 6.990% | $285,000 | 25.0% |
| NATIONSTAR MORTGAGE LLC | 16 | 5.990% | $395,000 | 11.1% |
| bankESB | 15 | 6.000% | $135,000 | 20.0% |
| LONGBRIDGE FINANCIAL, LLC | 15 | 6.625% | $315,000 | 5.9% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 13 | 5.870% | $585,000 | 0.0% |
| EMM LOANS LLC | 13 | 6.990% | $505,000 | 0.0% |
| Dedham Institution for Savings | 13 | 6.375% | $495,000 | 0.0% |
| WASHINGTON TRUST MORTGAGE COMPANY LLC | 12 | 6.063% | $555,000 | 0.0% |
| Direct Federal Credit Union | 12 | Not published | $285,000 | 14.3% |
| NBKC BANK | 11 | 5.875% | $615,000 | 8.3% |
| BAYCOAST MORTGAGE COMPANY, LLC | 11 | 6.500% | $565,000 | 8.3% |
| Norwood Co-operative Bank | 11 | Not published | $595,000 | 0.0% |
| Salem Five Cents Savings Bank | 10 | 5.990% | $245,000 | 16.7% |
| SALEM FIVE MORTGAGE COMPANY, LLC | 10 | 5.813% | $640,000 | 9.1% |
| Colorado Federal Savings Bank | 10 | 6.313% | $545,000 | 9.1% |
| T2 FINANCIAL LLC | 10 | 6.625% | $665,000 | 0.0% |
| HarborOne Bank | 9 | Under 10 loans | Under 10 loans | 47.4% |
| HARBORONE MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 30.8% |
| ROCKLAND Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 23.1% |
| NEW FED MORTGAGE, CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| General Mortgage Capital Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Canton | 8 | Under 10 loans | Under 10 loans | 18.2% |
| FINANCE OF AMERICA REVERSE LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| United Nations Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Dean Co-operative Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Berkshire Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Havard Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Cambridge Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| The Washington Trust Company, of Westerly | 6 | Under 10 loans | Under 10 loans | 36.4% |
| East West Bank | 6 | Under 10 loans | Under 10 loans | 30.0% |
| The Cape Cod Five Cents Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fall River Five Cents Savings Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| COASTAL1 Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Charles Schwab Bank, SSB | 5 | Under 10 loans | Under 10 loans | 16.7% |
| KEYSTONE FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE EQUITY PARTNERS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 71.4% |
| DIGITAL | 4 | Under 10 loans | Under 10 loans | 33.3% |
| ENVOY MORTGAGE, LTD | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citibank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Workers Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Colonial Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| South Shore Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bluestone Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NORTHPOINT MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHEAST HOME LOAN, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Winchester Co-operative Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bangor Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| QUINCY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LIBERTY BAY CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NAVIGANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Paramount Residential Mortgage Group, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALIGN CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Bank of Easton | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Walpole Co-operative Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Cooperative Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MSA MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CENTRAL ONE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UniBank for Savings | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Coastal Heritage Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stoughton Co-operative Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DREW MORTGAGE ASSOCIATES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CCG Fund 1, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BayCoast Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMBRACE HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MERRIMACK VALLEY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| CHARLES RIVER BANK | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MASS BAY Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EQUITY RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Lowell Five Cent Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Milford Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LEOMINSTER CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Everett Co-operative Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bristol County Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| METRO Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BLACKSTONE RIVER CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Village Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 1 | Under 10 loans | Under 10 loans | 88.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 75.0% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PROVINCE MORTGAGE ASSOCIATES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Watertown Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TREMONT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| St. Mary's Bank Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Goldman Sachs Bank USA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Union Bank Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| St. Anne's Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| REPUBLIC STATE MORTGAGE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| City Of Boston Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROSS MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Energy Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Assurance Financial Group, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Martha's Vineyard Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TAUNTON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fidelity Co-operative Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RIVER WORKS | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER ADVANTAGE MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WILLIAM RAVEIS MORTGAGE, LLC | 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 80 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.